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FourLeaf Federal Credit Union Reviews

Formerly Bethpage Federal Credit Union

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3 reviews
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By: Ashley Eneriz
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Edited by: Tammy Burns

About FourLeaf Federal Credit Union

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Based in New York, FourLeaf Federal Credit Union is available throughout the country. Members can access it online or through virtual appointments. Membership is open to anyone with a $5 deposit. Bethpage provides savings and checking accounts and loans for homes, vehicles and education.

Pros
  • Video appointments
  • Children and teen accounts available
Cons
  • In-person branches all in New York
  • Low APY on general savings account

What is FourLeaf Federal Credit Union?

FourLeaf Federal Credit Union was founded in 1941 for the employees of Grumman, an aerospace engineering company. Today, membership is available to any U.S. citizen or permanent resident willing to open a $5 savings account. It is a full-service financial institution, meaning you can find everything from savings products to investing options to home, auto and student loans.

A unique aspect of Bethpage is that it offers virtual appointments for those who cannot meet face to face. You can choose to make a phone or video appointment with a representative when you need to open a new account, complete a wire transfer or establish power of attorney.

How does FourLeaf Federal Credit Union work?

Opening an account with Bethpage should take about five minutes as long as you have your Social Security number and driver’s license or government-issued ID handy.

You will need to deposit $5 into a Bethpage savings account and keep it there to access all of the credit union’s membership perks.

FourLeaf Federal Credit Union products

Bethpage offers multiple accounts and products designed to help you save and earn money with zero to minimal fees.

Savings accounts
Savings accounts only need a $5 balance to stay open. There is only one savings account option for most members, which at the time of publication earns 0.10% APY. There is also a junior savings account that is available for individuals up to 20 years of age. As of this publication, it earns 3% APY for the first $1,000.
Checking accounts
Bethpage offers free checking accounts with no account minimums or maintenance fees. You can also link your account to your digital wallet to pay with your phone.

As of publishing, Bethpage’s checking account balances earn 0.40% APY but require that you enroll in online banking, receive a direct deposit and make at least 10 debit transactions each month, or else the APY drops to 0%.

Youth checking accounts are also available for individuals from 15 to 17. These accounts are fee-free and allow for parent monitoring.

Certificates of deposit
For as little as $50, you can open a certificate of deposit (CD), with a term from three to 12 months. Rates range from 2.25% to 5% APY.

A special 39-month bump-up CD is available, which gives members the option to bump up their interest rate one time if CD rates rise.

Money market accounts
Members can open a money market account with no minimum deposit. There is an APY of 0.10% on balances under $500. Balances over $500 earn 2% APY as of publication.

FourLeaf Federal Credit Union fees

While Bethpage does not charge account maintenance fees on its savings and checking accounts, there are some common banking fees to be aware of, including:

  • $10 or $30 overdraft/insufficient funds fee, depending on payment type
  • $5 inactive account fee
  • $5 ATM or debit card replacement fee
  • $20 to $30 fee for wire transfers

FourLeaf Federal Credit Union FAQ

What safety features do Bethpage accounts have?

Bethpage offers members secure sign-in to online banking through fingerprint, face ID or touch ID. It also has a devoted security team to help you identify suspicious texts or emails.

Does Bethpage offer mobile pay?

Yes, you can connect your checking account to your digital wallet and pay wherever Google Pay, Apple Pay or Samsung Pay is accepted.

Does Bethpage offer Zelle?

Yes, Bethpage offers Zelle as a convenient way to send money from your account to other accounts. As with all Zelle accounts, you can only send money to accounts in the U.S.

What are the perks of banking with a credit union instead of a traditional bank?

Because credit unions are not-for-profit institutions, the biggest perk is that credit unions can pass on profit to members through better rates. Members’ accounts are federally insured by the National Credit Union Administration (NCUA) at most credit unions.

Do we recommend FourLeaf Federal Credit Union?

FourLeaf Federal Credit Union is a reputable financial institution that has been serving members for over 80 years. It has more than 440,000 members nationwide, and even if you do not live in New York, you can access 30,000 in-network ATMs and utilize video and phone appointments.

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FourLeaf Federal Credit Union Reviews

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    How do I know I can trust these reviews about FourLeaf Federal Credit Union?
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    Page 1 Reviews 0 - 10
    Customer ServiceBillingLoan Process

    Reviewed Aug. 13, 2025

    Customer service is non-existent. I made a mortgage payment, received email confirmation, and Fourleaf reversed it and then sent a note saying fees would apply. I get robocalls telling me to call customer service, but you can't get a live person. I went to a local branch, made the mortgage payment, got a receipt, but it still hasn't registered on the loan dashboard, and I am still getting robocalls.

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    Customer ServicePunctuality & SpeedBilling

    Reviewed July 28, 2025

    I have had an account with Bethpage for a few years and had a very positive experience. When Four Leaf took over, my account was locked for ten days in the transition, and I made a late payment. FourLeaf report me to the credit unions the very first day my account transferred. They are difficult to reach and impossible to deal with over the phone. This is wrong and should not be allowed to continue.

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      Customer ServiceSales & MarketingPunctuality & SpeedStaffBillingLoan Process

      Reviewed July 10, 2025

      About a year ago, I got a home equity loan with BethPage FCU. I set up automatic payments and received a discount for setting up the automatic payments. Recently, Fourleaf FCU acquired BethPage. In early July, I received a notice that my payment was over due. This is the first time I had heard of such an issue. I emailed Fourleaf several times, letting them know that I had automatic payments set up, so that if there was a problem, it was on their end and not mine. Fourleaf basically blew me off and then subsequently reported my late payments to the credit reporting agencies, which I found out about today. I have excellent credit, and I have worked hard to ensure that I do. I am extremely angry that Fourleaf has affected my credit and reported a negative event that was not my fault. I request Fourleaf be required to remove the negative report from my credit report.

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      FourLeaf Federal Credit Union Company Information

      Company Name:
      FourLeaf Federal Credit Union
      Formerly Named:
      Bethpage Federal Credit Union
      Website:
      www.bethpagefcu.com
      FourLeaf Federal Credit Union logo
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