in this issue - Bethpage Federal Credit Union

Volume 26 - Number 01
First Quarter 2015
Total Members
$1.3
Billion
Real Estate Loans
New Checking Accounts
New Members
NEW
Branches
29,761
Total Branches
Data as of December 31, 2014.
Thank You For Helping Us Grow!
IN THIS ISSUE:
• Banking On The Go With
Bethpage
• Best Reasons To Get A
Home Equity Line Of Credit
• Bethpage Investment
Strategies
• Bethpage Spreads The
Holiday Spirit
0-JanMar2015_Newsletter_r3aa.indd 1
2014 was another remarkable year, thanks to you. To continue fulfilling our
promise of convenience to over 250,000 members, we opened six new branches,
and another location is scheduled to open early 2015 in Centereach.
As Long Island’s largest credit union, we funded over $1.3 billion in real estate
loans, including home equity, residential and commercial mortgages. We’re here
to help you meet your personal and business financial needs, whether it’s buying
your dream home or a building for your business.
At Bethpage, we’re committed to providing you unmatched service and value.
Our Bonus Checking account is the only account you will ever need. Not only is it
free, but it pays interest too.
To bring in the New Year with easier ways to bank, we are also happy to announce
the launch of our new tablet app. See page 3 for details on how we’re making
banking more convenient for you!
1/12/15 11:45 AM
CEO’S
MESSAGE
I would like to take this opportunity to wish all of our members a happy, healthy and
prosperous New Year. Bethpage is here for you whether you are building a nest egg or looking
to buy the car or home of your dreams.
More Long Islanders continued to place their trust in us in 2014 and, as the statistics on
the front page show, last year was another successful one for your credit union and fellow
members. We opened almost 30,000 new checking accounts and provided $1.3 billion in
real estate lending. Plus, as Long Island’s #1 home equity lender, we helped countless Long
Islanders leverage the equity in their homes to fulfill their dreams.
Certificate Accounts
That Give You More
0.55%
APY*
12-Month Certificate
1.25%
APY*
24-Month Certificate
It is also gratifying to know that more and more Long Islanders are discovering the Bethpage
credit union advantage. Over 33,000 new members joined Bethpage in 2014, a sure sign
that we are recognized for delivering value and service that no bank can match. Consider this
letter from one of our members.
Just recently I had the pleasure of dealing with one of your branch managers.
In mentioning my concerns regarding several pending matters while out of town,
he immediately provided his office number and invited me to contact him directly should
I have any need. His offer of immediate personal attention was both unexpected and most
appreciated. This personal level of concern and accessibility should be the blueprint for
customer service.
1.20%
Today, we are more than 250,000 members strong, and Bethpage has become the leading
community financial institution on Long Island. With that position comes responsibility
that we take very seriously. In addition to providing financial services that contribute to the
individual well being of our members, we are committed to the communities in which we live
and work, and to improving the quality of life for all Long Islanders.
1.30%
From coat collections to turkey drives to volunteer income tax preparation, we work with
leading charities and other partners to help our fellow Long Islanders. We will continue the
Bethpage spirit of giving this year through our community and charitable outreach. Most
important, we remain committed to helping you, our member owners.
APY*
36-Month “Bump-Up”
Certificate
APY*
36-Month Certificate
1.55%
APY*
48-Month Certificate
1.60%
I know I speak for the entire Bethpage team when I say that we are looking forward to making
2015 another great year for Bethpage, our members and Long Island.
Sincerely,
APY*
60-Month Certificate
*Annual Percentage Yield (APY) effective 01/15/2015
and is subject to change without notice. Dividends
are compounded daily, from day of deposit to day
of withdrawal. Fees or other conditions could reduce
earnings. Account activity restrictions may apply.
$50 minimum balance to open account and earn APY
unless otherwise noted. Penalties may be imposed
for early withdrawal. The “bump up” will be set to the
36-month “bump up” CD rate at the time of request.
At maturity the CD will renew to a 36-month CD with
no “bump up.” APY assumes dividends remain in the
certificate.
Wayne N. Grossé
Interim Chief Executive Officer
Our newsletter is available electronically. If you would like to receive an electronic version
instead of a print version of this publication, you can email our marketing department at
bethpage@bethpagefcu.com.
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1/12/15 11:45 AM
DIGITAL UPDATE
Banking On The Go With Bethpage
Learn more about our brand new tablet app and freshly redesigned mobile app for iOS & Android.
The new Bethpage Federal Credit Union mobile apps give you access to your finances anytime, anywhere! They offer features that let you make
account transactions at your convenience. Set alerts to receive balance updates every morning to keep your budget on track, and quickly find your
nearest free ATM or branch based on your current location, now faster than ever. In addition:
• View account balances and transaction history
• Deposit checks right from your device
• Provide access to multiple users from one device
• Transfer funds and pay bills from the app
• Manage account alerts and notifications
• Access your accounts securely
Bethpage Tablet Banking App
The all new Bethpage Tablet Banking App has been designed to make the most of the iPad or
Android™ Tablet banking experience. If you’ve been using the Mobile Banking App on your tablet,
be sure to uninstall it and download the new tablet app formatted just for you!
Bethpage Mobile Banking App
Whether you’re at home or on the go, the Bethpage Mobile Banking App makes it easy to do
your banking all from the palm of your hand.
DOWNLOAD TODAY!
If you have been using the previous version of the Bethpage Mobile Banking App on your phone,
you will be prompted to automatically update to the new app.
Apple Pay - Now Available!
Using your Bethpage MasterCard with Apple Pay is easy, secure, and private.
Securely store your debit/credit cards and shipping information, and pay with
the tap of a button.
Adding your Bethpage MasterCard on your device is easy. Simply open the
Passbook app, select Set Up Apple Pay, and use your iSight camera to capture
your card information, or type it in manually. You can also add your card from
your iTunes account by entering the card security code.
Paying is simple. Pay in stores with a single touch. Check out in apps by
selecting “Apple Pay” and placing your finger on Touch ID.
MasterPass - Now Available!
MasterPass, powered by MasterCard, is another quick and easy solution to buying online. With
MasterPass, you will be able to link all of your Bethpage credit and debit cards to a digital wallet so
you can shop online with the click of a button.
Sign up for MasterPass and never worry about websites
storing your information! MasterPass will store your billing
and shipping information and keep it secure.
Thousands of merchants like livingsocial, movietickets.com
and more are partnering with MasterPass every day, which
means you can plan an adventure, buy dinner, or see a
movie, all with the tap of your finger—at home or on the go!
MasterPass is free to use! Once you sign up, link your
cards and submit your shipping address. You’ll be able to
skip the checkout process anywhere you see the “Buy with
MasterPass” button.
CardNavSM by CO-OP
Introducing real-time control over your
debit cards through your smartphone
or tablet.
The CardNav app adds a new level of
security to your debit cards by letting
you decide how and when they can
be used, and alerting you when any
types of transactions you specify take
place. You can even use CardNav to set
personal spending limits that help you
stay within your budget goals.
• Limit card use to specific
merchants or purchases using GPS.
• Receive real-time, in-app alerts
that let you stop unauthorized
purchases before they’re complete.
• Receive alerts when you’re getting
close to any personal spending
limits you’ve set.
Download the app today in the App
Store or Google Play!
Sign up today at Masterpass.com/Wallet/BethpageFCU/Home
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1/9/15 3:48 PM
BOARD
NOMINATIONS
The Nominating Committee of the Board of Directors of Bethpage Federal Credit Union has placed the names of the individuals listed below in
nomination for board vacancies in 2015.
Nominations for vacancies may also be made by petition signed by 1% of the members or 500 signatures. Nominations for board members must
be received by 5pm on March 13, 2015. The election will be held at the Annual Meeting on April 23, 2015 and will be conducted by ballot unless
there is only one nominee for each position. There will be no nominations from the floor, unless there are no nominations for an available vacancy.
Each nominee by petition must submit a statement of qualifications and biographical data with the petition. The statement of qualifications and
biographical data will be published and made available to the public. For more information or to file a petition and statement for a nominee,
contact Lynda Nicolino at 899 South Oyster Bay Road, Bethpage, NY 11714 or call 800-628-7070 ext. 6756.
Michelle Nearon
Dr. Michelle Nearon received her B.S. and M.S. degrees in aerospace engineering from the Massachusetts Institute
of Technology and Brooklyn Polytechnic University, respectively. After completing her master’s degree she devoted
approximately ten years to both the aerospace and automotive industries, beginning as a research engineer and
ultimately becoming a general manager. She subsequently returned to academia and received a Ph.D. from Stony
Brook University’s Department of Mechanical Engineering in May 2000. After graduating she remained at Stony
Brook University until June 2008 as an Assistant Professor in the Department of Mechanical Engineering while also
simultaneously serving as the Director of Recruitment and Diversification for the University’s College of Engineering
and Applied Sciences. She joined Yale University in July 2008 and is the Assistant Dean in the Graduate School of
Arts and Sciences and Director of the Office for Diversity and Equal Opportunity. Dr. Nearon has been a member of
the Bethpage Board of Directors since 2006, has served as Treasurer and is currently the Secretary.
Les Poinelli
Les Poinelli is a senior consulting executive with Impact Technology Partners, LLC, providing business process
improvement and transformation services to clients throughout the Northeast. As a partner with Ernst & Young, and
earlier with Price Waterhouse and Arthur Andersen, Les spent 30 years leading consulting specialists and project
teams in providing business strategy, process improvement and technology guidance to large corporations and small
emerging companies alike. Les received his MBA at the Hankamer School of Business, at Baylor University in Texas,
and a BS in Business Management at Northeastern University, in Boston. He began his service with the credit union
as a member of the Supervisory Committee in 2008 and was elected to the board in 2012. Les and his wife have
been residents of Centerport for over 30 years, where they raised their five children.
Vinny Scicchitano
Vincent (Vinny) Scicchitano has been a member of the Bethpage Federal Credit Union Supervisory Committee since
2011, serving as Chairman of the Committee for the past two years. Prior to joining Bethpage, Vinny held numerous
management and senior management positions at Vytra/HIP/Emblem Health Plans between 1992 and 2008
involving strategy, marketing, business development, finance, accounting, planning and analysis, administration,
product development roll out, and major commercial account relations. He was previously an Accounting Manager
for Grumman Data Systems from 1979 to 1992. Vinny received a BS degree from SUNY at Buffalo and is a
certified Six Sigma Black Belt. A resident of Nesconset, NY with his wife and three children, he has been involved in
numerous community youth sports programs as a coach and is currently a sports official for several high school and
recreational sports.
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1/9/15 3:33 PM
LENDING
Top Reasons To Get A Bethpage Federal Credit
Union Home Equity Line Of Credit
Put The Equity In Your Home To Work
Whether you’re looking to consolidate your debt, remodel your house, or pay for your child’s
college expenses, Bethpage can help you reach your goals.
HOME EQUITY LINE OF CREDIT
%
2.49
APR**
•
•
•
•
No application fees
No closing costs
Lines up to $500,000
Low initial draw
Fixed for 2 years
Prime for life, thereafter
Save Now, Save Later
If you don’t have a home equity line of credit, or are looking to refinance your line from another
financial institution, take advantage of no closing costs and our great rate.
Payment Flexibility
You have the option to pay interest-only and your payments are calculated based on the balance
you owe. In other words, you have access to a line of credit (much like a credit card) that can be
accessed over time and you only pay for what you borrow. This helps you match your goals with
your budget.
Borrow From Your Home’s Value – Plus, Receive Benefits Like:
• No Annual Fee
• Tax Deductible Interest – See your tax advisor for more information.
*APR = Annual Percentage Rate. For two years, Prime for life, thereafter. Rates and terms accurate as of 01/15/2015 and are subject to change without notice. All offers of credit are subject to credit approval; applicants
may be offered credit at higher rates and other terms. Loan-to-value restrictions may apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on
new HELOCs up to $500,000. Above estimated savings in closing costs are based on a $500,000 loan and actual savings may vary. Closing costs paid by Bethpage must be repaid by the borrower(s) if line is closed
within first 36 months. HELOC is a variable rate product with a maximum APR of 18%. The introductory rate is 2.49% APR for 2 years for members who take an initial draw of $25,000, maintain this balance for one
(1) year, and have automatic transfers from any Bethpage account for the monthly payment on the account. New HELOCs only. Prime rate as of 01/15/2015 = 3.25%. Home Equities not offered in TX. $5.00 minimum
share account required. Membership conditions may apply.
Have You Been A Bethpage Member For
50 Years Or More?
Bethpage recognizes our long-time members with a special program set up just for them. If you
are celebrating your 50th year as a Bethpage member in 2015, we want to hear from you! Please
fill out the following coupon and either drop it off at your local Bethpage branch or mail it back to
Marketing, Bethpage Federal Credit Union, 899 South Oyster Bay Road, Bethpage NY 11714.
For those of you who have already signed up, you will be hearing from us soon about this year’s
reception.
Name: ______________________________________________________________________________________________
Address: _____________________________________________________________________________________________
City, State, Zip: ________________________________________________________________________________________
Phone: __________________________________________ Email: ______________________________________________
Year Membership Started: ___________________________ Membership #: _________________________________________
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0-JanMar2015_Newsletter_r3.indd 5
1/9/15 3:33 PM
INSURANCE AND
INVESTMENTS
LOOKING TO
SAVE MONEY
ON YOUR
HOMEOWNERS
OR AUTO
INSURANCE?
Turn to Bethpage for
your Insurance Needs!
Bethpage members have
saved an average of $519*
when they switch their
Auto & Home insurance to
Insurance Agency of
Bethpage!
We are pleased to offer members an
exclusive 5% discount on auto insurance*
with MAPFRE** Insurance Company.
To receive a hassle free quote,
call 866-719-9682, or visit us
on the web at www.bethpagefcu.com/
personal/insuring.aspx.
Bethpage Investment Strategies
Is At Your Service
The financial consultants at Bethpage Investment Strategies invest funds for individuals,
companies, associations and small institutions. We would like to be of service to you. Our
services include designing personalized portfolios, establishing retirement plans, starting
systematic investment programs and coordinating long-term investment plans.
The clients we represent seek investment recommendations with an emphasis on total
asset management and consistent financial direction.
Our goal is to review your financial status, examine your current portfolio and learn your
investment strategies in detail. We then focus on what you are trying to accomplish, such
as retirement, college planning and improvement of your economic status. We pledge to
quantify these goals and work with
you to understand them. Finally, we’ll
develop strategies to help achieve your
individual goals within your level of
tolerance for risk.
When was the last time a
professional reviewed
your 401(k)?
Join us on Friday, January 30, 2015
and Saturday, January 31, 2015. The
Bethpage Investment Strategies team
will be holding complimentary reviews of
your current 401(k) and investments at
our Bethpage branch. The ability to have
your 401(k) reviewed by a professional
at no cost is a distinct service provided
by Bethpage Investment Strategies to
the members of Bethpage Federal Credit
Union.
Call us at (516) 349-6940 to schedule
an appointment and bring your current statements.
Our greatest satisfaction comes from your financial success and the long-term
relationship we develop together. Our team of professionals can help you design a
personalized strategy to achieve your financial goals and dreams.
*Savings amounts are based on information from the Insurance
Agency of Bethpage (Bethpage, NY) members who became
new auto and or homeowners insurance policy holders between
01/01/2014 to 06/01/2014 and provided data regarding
their savings. Your savings may vary. Insurance products are not
deposits, obligations of, or guaranteed by Bethpage Federal Credit
Union and are not insured by the National Credit Union Share
Insurance Fund (NCUSIF), or any other agency of the United
States, or Bethpage Federal Credit Union. Any insurance required
as a condition of an extension of credit by Bethpage need not
be purchased from Insurance Agency of Bethpage and may be
purchased from a licensed insurance company of your choice.
Insurance is underwritten by Travelers Indemnity Company, One Tower
Sq. Hartford, CT 06183.
**MAPFRE InsuranceSM is a brand and service mark
of MAPFRE U.S.A. Corp and its affiliates: American
Commerce Insurance CompanySM (Columbus, Ohio)
Investment Strategies
Registered Representative of INVEST Financial Corporation, member FINRA/SIPC.
INVEST and its affiliated insurance agencies offer securities, advisory services and
certain insurance products and are not affiliated with Bethpage Federal Credit
Union or Bethpage Investment Strategies. INVEST does not provide tax or legal
advice. Products offered are: NOT NCUA INSURED - NOT BANK OR CREDIT UNION
GUARANTEED - MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL.
6
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1/9/15 3:33 PM
COMMUNITY
Bethpage Spreads The Holiday Spirit
Bethpage VITA Program
12th Anniversary
Bethpage Coat Drive Benefits
The Interfaith Nutrition Network (The INN)
Free Tax Preparation
On December 12th and 13th, Bethpage held a Coat Drive to benefit the Interfaith
Nutrition Network. The INN is a local non-profit based in Nassau that addresses
issues of hunger and homelessness on Long Island by providing food, shelter, longterm housing and support services for those who need assistance. Held at the main
Bethpage branch, the coat drive collected 153 coats in addition to hats, gloves,
scarves and socks.
The Volunteer Income Tax Assistance
(VITA) Program offers free tax help for lowto moderate-income (generally $55,000 and
below) individuals and families. Bilingual tax
assistors are available.
John Theissen Children’s Foundation
23rd Annual Toy & Fund Drive
For the 2014 holiday season, Bethpage donated
$3,000 worth of children’s gifts for the John
Theissen Children’s Foundation 23rd Annual Toy
Drive. Donations, which included mobile devices,
tablets, board games, footballs and basketballs,
are given to sick children in need at various local
hospitals and child care facilities through the John
Theissen Foundation.
VITA Locations and Times:
February 7 - April 11, 2015
Saturday, 3pm - 6pm
Nassau County
Elmont, 1633 Dutch Broadway
Farmingdale, 1033 Route 109
Freeport, 210 West Merrick Road
Hempstead, 170 Fulton Avenue
Massapequa, 6257 Sunrise Highway
Roosevelt, 405 Nassau Road
Westbury, 750 Old Country Road
Jocelyn’s Operation Holiday Spirit
Over the last six years, Bethpage has participated in Operation Santa for Jocelyn’s
Operation Holiday Spirit. Founded over 70 years ago, Operation Santa began when the
United States Postal Service employees started answering letters addressed to Santa.
Over the years, Operation Santa has become one of the largest Christmas volunteer
efforts in the world. Jocelyn’s Operation Holiday Spirit works with New York Public
Schools to answer the Dear Santa letters of its students.
This year, Bethpage employees were once again invited to offer their generosity
and restore the belief in the Spirit of Santa to children who have not been able to
experience holiday joy. A total of 53 Santa letters were answered from the Bethpage
team and we enjoyed seeing the smiles on the children’s faces when they received
their gift bags.
Suffolk County
Bay Shore, 591 East Main Street
Central Islip, 233 South Research Place
Patchogue, 272 East Main Street
Riverhead, 1095 Old Country Road
West Babylon, 555 Montauk Highway
For more information please contact
Community Development at
(516) 349-4288 or via email at
community@bethpagefcu.com.
*To file taxes electronically on a married filing joint tax
return, both spouses must be present.
7
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1/9/15 3:33 PM
Presorted Standard
U.S. Postage
PAID
Permit #255
Hicksville, NY
lovebethpage.com | 800-628-7070
Free Online Banking, Mobile Banking & Mobile Check Deposit
Over 500 Surcharge-Free ATMs, including the following locations:
*
*
*Must show CO-OP logo
YouTube.com/user/lovebethpage
Facebook.com/lovebethpage
Branch Locations
Bethpage Main Office†
899 S. Oyster Bay Rd.
M-W: 9am-4pm
Th: 9am-7pm
F: 7:30am-7pm
Sa: 9am-2pm
Drive-up:
M-W: 7:30am-4pm
Th-F: 7:30am-7pm
Sa: 9am-2pm
Albertson
1145 Willis Ave.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Baldwin
1800 Grand Ave..
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Drive-Up*
@LoveBethpage
Telephone Service Center:
M-F: 7:30am-7pm I Sa: 8am-2pm 800-628-7070
Commack (Open Sundays)
King Kullen
120 Veterans Hwy.
M-F: 10am-6pm
Sa: 10am-4pm
Su: 11am-4pm
Huntington†
33 Gerard St.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
East Northport
357 Larkfield Rd.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Levittown (Open Sundays)
King Kullen
3284 Hempstead Tpke.
M-F: 10am-6pm
Sa: 10am-4pm
Su: 11am-4pm
Now
Open!
Elmont†
1633 Dutch Broadway
M-Th: 8:30am-6pm
F: 8:30am-7pm
Sa: 9am-2pm
Mineola
131 Jericho Tpke.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
North Babylon
1350 Deer Park Ave.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
NUMC/East Meadow
NuHealth Medical Center
(Must pay for parking)
2201 Hempstead Tpke.
T-Th: 9am-5pm
M&F: 7am-5pm
LIU Post
Hillwood Commons
700 Northern Blvd.
M-F: 9am-5pm
Farmingdale†
1033 Rte. 109
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Long Beach
26 West Park Ave.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Bay Shore†
591 East Main St.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Freeport†
210 West Merrick Rd.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Lynbrook†
613 Sunrise Hwy.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Bay Shore (Open Sundays)
King Kullen
834 Sunrise Hwy.
M-F: 10am-6pm
Sa: 10am-4pm
Su: 11am-4pm
Glen Cove
111 School St.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Massapequa†
6257 Sunrise Hwy.
M-Th: 9am-6pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Central Islip†
233 S. Research Pl.
M-Th: 8:30am-5pm
F: 8:30am-7pm
Sa: 9am-2pm
Hempstead†
170 Fulton Ave.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Melville
722 Walt Whitman Rd.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Now
Open!
Coming Soon:
Centereach
Patchogue†
272 East Main St.
M-W: 8:30am-4pm
Th-F: 8:30am-6pm
Sa: 9:00am-2:00pm
Drive-up**
Port Jefferson
4802 Nesconset Hwy.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Riverhead†
1095 Old Country Rd.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Seaford†
4006 Merrick Rd.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Smithtown†
240 Middle Country Rd.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Valley Stream
(Open Sundays)
King Kullen
231 West Merrick Rd.
M-F: 10am-6pm
Sa. 10am-4pm
Su: 11am–4pm
West Babylon†
555 Montauk Hwy.
M-Th: 9am-4pm
F: 9am-7pm
Sa: 9am- 2pm
Drive-up*
Westbury†
750 Old Country Rd.
M-Th: 9am-5pm
F: 9am-7pm
Sa: 9am-2pm
Drive-up*
Roosevelt†
405 Nassau Rd.
M-W: 9am-5pm
Th-F: 9am-6pm
Sa: 9am-2pm
Drive-up*
*Drive-up access starts 30 minutes prior to branch opening, ends at branch closing on weekdays, and follows Saturday branch hours, unless otherwise indicated.
**Drive-up access is the same hours as main lobby. † Indicates branch has coin machine access.
Local Shared
Branches
Island FCU
LOMTO FCU
Long Island State EFCU
For a Shared Branch near you, please visit www.co-opcreditunions.org
0-JanMar2015_Newsletter_r3.indd 8
Melrose FCU
Nassau Educators FCU
Nassau Financial FCU
Oceanside Christopher FCU
Qside FCU
Skyline FCU
Suffolk FCU
Sperry Associates FCU
Teachers FCU
Winthrop-University Hospital CU
Membership
conditions
may apply.
1/9/15 3:33 PM