Question 1

What is FourLeaf Federal Credit Union?

Accepted Answer

FourLeaf Federal Credit Union is a federally chartered credit union headquartered in Bethpage, Long Island, New York. With over 512,000 members and more than $14 billion in assets as of 2025, FourLeaf operates 37 publicly accessible branches throughout Long Island, New York City, and New Jersey.

Formerly known as Bethpage Federal Credit Union until its 2025 rebrand, FourLeaf has evolved from a small credit union serving aircraft manufacturing employees to one of the largest credit unions in the New York metropolitan area. The credit union offers membership to anyone living in the United States, making it one of the most accessible credit unions nationwide.

Question 2

When was FourLeaf Federal Credit Union founded?

Accepted Answer

FourLeaf Federal Credit Union was founded on October 28, 1941, as Grumman Hangar 2 Credit Union, created to serve employees of Grumman Aircraft Engineering Corporation during World War II. The credit union began with just 114 members, providing a financial alternative for Grumman employees to manage their earnings during wartime.

The credit union's name evolved with its growth: in 1948, it officially changed to Bethpage Aircraft Federal Credit Union, then became Bethpage Federal Credit Union in 1974 as membership expanded beyond aircraft workers.

A transformative milestone occurred in 2003 when Bethpage was approved for the largest federal community charter in the United States, opening membership to anyone in Nassau and Suffolk counties on Long Island. This charter expansion enabled rapid growth. In 2022, Bethpage acquired NYC-based Montauk Credit Union and its open charter, making membership available to anyone across the country.

In November 2024, the credit union announced it would rebrand as FourLeaf Federal Credit Union, officially implementing the new name in early 2025. This rebrand reflects the credit union's nationwide expansion beyond its Bethpage, Long Island roots while honoring its heritage.

Question 3

Where is FourLeaf Federal Credit Union headquartered?

Accepted Answer

FourLeaf Federal Credit Union is headquartered at 899 South Oyster Bay Road in Bethpage, New York, on Long Island. The headquarters location houses both executive offices and a branch serving members. Despite the name change from Bethpage to FourLeaf, the credit union maintains its headquarters in Bethpage, preserving its connection to the community where it was founded over 80 years ago.

Question 4

Where does FourLeaf Federal Credit Union operate?

Accepted Answer

FourLeaf operates 37 branches across three states:

Long Island: Extensive branch network throughout Nassau and Suffolk counties, serving communities across Long Island with convenient locations.

New York City: Multiple branches in New York City boroughs, expanding the credit union's reach into the metropolitan market.

New Jersey: Branch presence in New Jersey, including Cherry Hill, with plans for continued expansion in the Garden State.

With its open federal charter obtained through the Montauk Credit Union merger, FourLeaf offers membership to anyone living anywhere in the United States, regardless of location. Members nationwide can access services through online and mobile banking, as well as the CO-OP Shared Branch network providing over 5,000 shared branches and more than 30,000 surcharge-free ATMs across the country.

Question 5

What services does FourLeaf Federal Credit Union offer?

Accepted Answer

FourLeaf provides comprehensive financial products and services:

Deposit Accounts: Savings accounts (including the FourLeaf Savings Account with a $5 minimum for membership), checking accounts, money market accounts, certificates of deposit, and IRAs. FourLeaf is known for competitive dividend rates on deposits.

Lending Products: Auto loans, personal loans, home mortgages, home equity loans and lines of credit (HELOCs), student loans, and credit cards with various reward programs and competitive rates.

Digital Banking: Full-featured online and mobile banking platforms allowing members to manage accounts 24/7, including mobile check deposit, bill pay, account transfers, and financial management tools. FourLeaf has invested significantly in digital banking technology to serve its geographically diverse membership.

Business Banking: Business checking and savings accounts, commercial loans, merchant services, and cash management solutions for small businesses and commercial enterprises.

Investment and Financial Planning: Through partnerships, FourLeaf offers investment services, retirement planning, wealth management, and financial advisory services to help members achieve long-term financial goals.

Insurance Products: Property and casualty insurance, life insurance, and other insurance products to protect members' assets and families.

Additional Services: Notary services, wire transfers, safe deposit boxes, and comprehensive financial education resources.

Question 6

What makes FourLeaf Federal Credit Union unique?

Accepted Answer

FourLeaf distinguishes itself through several notable characteristics:

Aerospace Heritage: Founded during World War II to serve Grumman Aircraft employees who built fighter planes for the war effort, FourLeaf carries a proud legacy of supporting American manufacturing and innovation.

Nationwide Accessibility: Unlike most credit unions with geographic or employment restrictions, FourLeaf's open charter makes membership available to anyone in the United States, offering credit union benefits to a national audience.

Community Champion: FourLeaf demonstrates exceptional community involvement through signature programs including the FourLeaf Air Show at Jones Beach (20 years of sponsorship, formerly the Bethpage Air Show), featuring performances by the U.S. Navy Blue Angels and U.S. Air Force Thunderbirds. The Annual Turkey Drive has provided Thanksgiving meals to families facing food insecurity since 2008, collecting thousands of turkeys annually for Island Harvest.

Major Sports and Entertainment Sponsorships: FourLeaf maintains high-profile sponsorships including the Suffolk County Sports Park (formerly Bethpage Ballpark), home of the Long Island Ducks baseball team, and the football stadium at Long Island University's C.W. Post Campus. These partnerships demonstrate deep investment in regional sports and entertainment.

Recent Transformation: The 2025 rebrand from Bethpage to FourLeaf represents a significant evolution, with the new name symbolizing prosperity, innovation, purpose, and ongoing connection to members and communities. The four-leaf clover logo incorporates a subtle infinity symbol representing infinite possibilities for members.

Member Satisfaction: FourLeaf maintains a 91% member satisfaction rate based on survey data, reflecting strong member loyalty and service quality.

Question 7

What type of financial institution is FourLeaf Federal Credit Union?

Accepted Answer

FourLeaf Federal Credit Union is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). Member deposits are federally insured by the NCUA up to $250,000 per depositor, per ownership category, through the National Credit Union Share Insurance Fund.

As a not-for-profit financial cooperative, FourLeaf is owned by its members rather than external shareholders. This cooperative structure allows FourLeaf to return profits to members through competitive rates on savings and loans, lower fees, and enhanced services rather than maximizing shareholder returns.

Membership requires opening and maintaining a $5 FourLeaf Savings Account. With its open charter, virtually anyone in the United States can join, making FourLeaf one of the most accessible federal credit unions in the country. The credit union is governed by a volunteer board of directors elected from the membership, ensuring democratic oversight and member-focused decision-making.

Question 8

How has the rebrand to FourLeaf affected members?

Accepted Answer

The 2025 rebrand from Bethpage Federal Credit Union to FourLeaf Federal Credit Union represents a name and visual identity change only. All member account numbers, usernames, passwords, products, services, and online/mobile banking platforms remain unchanged. Loan and bill payments continue without interruption.

The rebrand addresses a key challenge: many people perceived "Bethpage" as small and local, believing membership was restricted to Long Island residents. By adopting the FourLeaf name, the credit union clarifies its nationwide availability while honoring its heritage through the retention of its signature orange color and addition of a complementary blue.

The new identity supports FourLeaf's vision of enriching lives across America, bringing credit union benefits to communities far beyond Long Island while maintaining the same commitment to personalized service, competitive rates, and community involvement that has defined the institution for over 80 years.

FourLeaf Federal Credit Union

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About FourLeaf Federal Credit Union in the United States