FourLeaf Federal Credit Union


Overview / Commentary
800-628-7070
899 S Oyster Bay Rd
Bethpage, NY 11714

First founded for the benefit of Grumman Aircraft Engineering Corporation’s employees in 1941, FourLeaf Federal Credit Union has grown to become one of the largest credit unions in the Northeast. Still headquartered in FourLeaf, New York, FourLeaf FCU has opened its field of membership to anyone who opens a savings account. Although its branch locations are all in Long Island or New York City, FourLeaf FCU’s co-op network includes Shared Service Centers nationwide. It is also able to serve its nationwide membership through convenient online and mobile banking options.

In addition to its required regular savings accounts, FourLeaf FCU offers a variety of personal deposit accounts, including savings accounts for children, young adults, and special purposes. Its free checking accounts feature free online and mobile banking, free online bill pay, and free mobile check deposit, as well as a free debit card.

FourLeaf’s money market accounts yield tiered interest rates, depending on how much money is in the account. Terms for FourLeaf’s Certificates of Deposit (CDs) range from 6 to 60 months, with a very low minimum initial deposit. Also, at the time of this writing, the credit union offers a 39-month bump-up certificate – which includes the one-time possibility of increasing the interest rate during the certificate’s term. FourLeaf also provides a “Certificate Portfolio,” which helps members to create their own “CD ladder,” in which funds are deposited simultaneously into multiple CDs with increasing term lengths, in order to provide ready access to a portion of the funds as each CD matures. As for Individual Retirement Accounts (IRAs), FourLeaf offers both traditional and Roth IRA CDs with very low minimum initial deposits. The terms for these IRA CDs also range from 6 to 60 months.

FourLeaf FCU also offers a range of business depository banking products, including business checking accounts, business savings accounts, business CDs, and business money market accounts. The business savings account can be used as an overdraft protection measure for a business checking account. Business CD terms range from 3 to 60 months, and FourLeaf allows businesses to use funds in these certificate accounts as collateral for loans. Finally, FourLeaf’s business money market accounts have three dividend tiers, depending upon the account balance.

Field of Membership Restrictions

FourLeaf Federal Credit Union is open to anyone with a $5 minimum share account.
See current membership details

Reviews (2)

Terrible Website And Service

Posted by: |

There are plenty of choices for HELOCs, I would avoid this credit union.
Website - tried several times to schedule a transfer from the Bethpage HELOC to the Bethpage Checking (SAME institution). Something that should take 30 seconds took several attempts from both me and my wife.
800 Number - Called today because the transfer was not done.
Its a transfer from one Bethpage account to another Bethpage account. Not rocket science.
Been on hold for 1:37 minutes.
A rep picks up and states they have been experiencing unusually long hold times.
After explaining the issue, Leslie states that she can't access my online banking and I would have to be transferred to online banking. I asked to speak to a manager and I was put on hold again for 20 minutes. I was then disconnected.
Total call time - One hour and 57 minutes.
You cant make this up.

Horrible Treatment Of Members

Posted by: |

This bank is great unless you run into a problem- Then all hell happens. During Covid pandemic - while I was trying to keep my life together my bank account was hacked and Bethpage allowed fraudulent charges to be processed for 6 months. I checked my account numerous times but bc the charges were scattered and few throughout the day it was hard to detect. I didn't notice until 6 moths later - $7000 was taken little by little all charges from another state - without any alert or warning. Bethpage only refunded me half the amount - and said it was my responsibility too. I have never experienced this before - I am suing them for the rest of MY money - that I, as a client have entrusted them to protect. I think it is very convenient for Bethpage to charge members such a high price/penalty for a breach to their own system. It gives them zero incentive to make their system better. Their customer service was HORRENDOUS! I moved my mortgage and left Bethpage forever-



Health

Health Grade Components

Overall
NCUA #4735
Year Chartered1941
Employees858
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD4.94%
Annual Interest Income$625.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$13.37B$12.86B
LoansQ4 2024vs Q4 2023$10.19B$8.99B
DepositsQ4 2024vs Q4 2023$11.61B$10.7B
Equity CapitalQ4 2024vs Q4 2023$962.1MM$852MM
Loan Loss AllowanceQ4 2024vs Q4 2023$146.9MM$125.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$177.4MM$155.4MM
Real Estate OwnedQ4 2024vs Q4 2023$295K$2.1MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not FourLeaf Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FourLeaf Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$1kStudent Savings
OTHER TIERS: 1.00% $1k - $10k
0.10%$5-Savings Accounts
0.10%$5-Business Savings Accounts

FourLeaf Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$500k*-Money Market Account
OTHER TIERS: 0.10% $0 - $500 | 0.20% $500 - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k | 0.95% $250k - $500k
1.20%*$500k*-IRA Money Market
OTHER TIERS: 0.10% $0 - $500 | 0.20% $500 - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k | 0.95% $250k - $500k
1.20%*$500k*-Business Money Market Account
OTHER TIERS: 0.10% $0 - $500 | 0.20% $500 - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k | 0.95% $250k - $500k

FourLeaf Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0-IOLA Checking
0.40%$0-Free Checking (Bonus Checking)
0.20%$0-Business Free Checking with Interest

FourLeaf Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$50-10 Month Certificate
4.00%$50-Business 10 Month Certificate
2.75%$50-36 Month Certificate
2.75%$50-39 Month "Bump Up" CD
2.75%$50-Business 36 Month Certificate
2.75%$50-Business 39 Month "Bump Up" CD
2.25%$50-6 Month Certificate
2.25%$50-12 Month Certificate
2.25%$50-Business 6 Month Certificate
2.25%$50-Business 12 Month Certificate
2.25%$50-11 Month Certificate
2.25%$50-Business 11 Month Certificate
2.25%$50-9 Month Certificate
2.25%$50-Business 9 Month Certificate
1.75%$50-18 Month Certificate
1.75%$50-24 Month Certificate
1.75%$50-30 Month Certificate
1.75%$50-48 Month Certificate
1.75%$50-60 Month Certificate
1.75%$50-Business 18 Month Certificate
1.75%$50-Business 24 Month Certificate
1.75%$50-Business 30 Month Certificate
1.75%$50-Business 48 Month Certificate
1.75%$50-Business 60 Month Certificate
1.25%$50-3 Month Certificate
1.25%$50-Business 3 Month Certificate

FourLeaf Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$50-10 Month IRA
2.75%$50-36 Month IRA
2.75%$50-39 Month "Bump Up" IRA
2.25%$50-6 Month IRA
2.25%$50-12 Month IRA
2.25%$50-11 Month IRA
2.25%$50-9 Month IRA
1.75%$50-18 Month IRA
1.75%$50-24 Month IRA
1.75%$50-30 Month IRA
1.75%$50-48 Month IRA
1.75%$50-60 Month IRA
1.25%$50-3 Month IRA
Locations

Availability

New York Area

Interactive local rates map


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