Bethpage Federal Credit Union HELOC vs. LightStream Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Bethpage Federal Credit Union HELOC
Bethpage Federal Credit Union
4.5
Credit union HELOC with a rare 12-month fixed intro rate, no closing costs, and lines up to $1M.
Full review →
WealthSpott Verdict
LightStream Auto Loan wins on more measurable categories — particularly on rate and cost. Bethpage Federal Credit Union HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Bethpage Federal Credit
LightStream Auto Loan
APR Range
6.99% – 10.99%
6.49% – 20.49% Best
Loan Amount
$10,000 – $1,000,000 Best
$5,000 – $100,000
Term Length
120–240 months
24–84 months
Origination Fee
No closing costs; no annual fee
None
Min Credit Score
670+
660+ Best
Funding Speed
2–3 weeks
Same day
Bethpage Federal Credit Union HELOC
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
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