FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for over 80 years. Through our full range of competitive savings and loan products, you can trust us in every step of your financial journey. From applying for a credit card to closing on your mortgage to opening your... show more
Eligibility
Find out if you are eligible to join FourLeaf Federal Credit Union.
FourLeaf Federal Credit Union Reviews
5
78%
4
3%
3
2%
2
2%
1
15%
4.3
450 reviews
450 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
FourLeaf Federal Credit Union
Rich Doyle @rdatp43
Report Abuse
5 Star Rating
We just consolidated our previous FourLeaf FCU HELOC and mortgage into one new mortgage, and we could not be happier at how smoothly and efficiently the entire process was. In particular, my wife and I would like to thank Scott Ogman, our Mortgage Loan Officer, for his professionalism, efficiency, and the exceptional personal service that he provided us. Scott was available to us via email, phone, and text messaging at any time and responded promptly whenever we had any questions or concerns. He guided us through every step and we feel he went the distance for us which made for a great customer experience. Thank you! Richard and Renee Doyle
show more
show less
Product: FourLeaf Federal Credit Union Mortgages
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi Rich! Thank you for taking the time to leave us positive feedback regarding your Mortgage process. We are thrilled to hear our teammates provided excellent member service. We look forward to assisting you in the future.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Daniel Gonzalez @gonzalezdan
Report Abuse
5 Star Rating
We were recently approved for a HELOC with FourLeaf, and the entire experience was smooth from start to finish. The application process was straightforward, and the communication from their team was excellent every step of the way, starting with Margaret Fink and Kristina Gilroy who handled the initial loan application process, then with Lorraine Horsley who we worked with closely on all the documentation that was required, and finally with Juan Araujo and Tiffany Jones who coordinated the closing.
They clearly explained all the terms, kept us informed, answered our questions promptly, and made sure we understood how to access and manage our line of credit. The approval took a little longer than initially promised due to negotiations with the underwriters; however, the rates and terms were very competitive compared to other lenders we considered.
Overall, we are extremely satisfied with how easy and transparent the process was. We highly recommend FourLeaf to anyone looking for a hassle-free HELOC experience.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi Daniel! Your positive feedback means the world to us, thank you for sharing. We are thrilled to hear our team made your Home Equity process straightforward and seamless. If you need any further assistance in the future, please do not hesitate to reach out.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Frank Racanati @racanati_frank
Report Abuse
5 Star Rating
I primarily communicated with Sarah Spallone, and the entire process was exceptionally smooth and efficient. The team was professional, helpful, and very accommodating with my scheduling needs. I greatly appreciated the level of care and attention throughout the experience and would highly recommend their services to others.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi Frank! We deeply cherish your positive feedback about our team's help and guidance. Thank you for choosing and recommending FourLeaf.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Laura @lbressler1345
Report Abuse
1 Star Rating
Fourleaf Federal Credit allowed thieves to empty my checking and savings account and left me with nothing. Take your money to a credit union that cares about you. I warned Fourleaf and begged them not to allow several fraudulent charges by one fake company in my pending transactions, and they processed them all anyway, leaving me unable to pay my bills. When it was BFCU, they would call you if they saw suspicious activity. Not Fourleaf; they just give the criminals your money. Jovia uses precautionary security measures, which is where I'm at now. Save yourself the stress and worry, and get away from Fourleaf. They are the worst.
show more
show less
Product: FourLeaf Federal Credit Union Checking
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hello Laura, thank you for taking the time to share your experience. We’re truly sorry to hear about the distress this situation has caused you. Your concerns are very important to us, and we want to ensure they are thoroughly reviewed.
To help us escalate this matter to the appropriate team, please email us at [email protected] with your full name and best contact number. A dedicated representative will reach out to you directly to assist and work toward a resolution. We appreciate your feedback and the opportunity to address this.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
jle686 @jle686
Report Abuse
5 Star Rating
From the beginning with Marinette Pouentougnigni (Processor, Home Equity Fulfillment), to Juan Araujo (Scheduler, Home Equity Fulfillment), to Jennifer Josh (Closer, Home Equity Fulfillment), to the FourLeaf Representative who handled the actual closing at the Massapequa Branch/Office, the entire process could not have been better. Both the professional and personal concern for my questions was outstanding.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
We are elated to hear you had a great experience with us throughout your HELOC process. Thank you for taking the time to leave us a positive review!
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Rita Giurbino @ritabelfiore1
Report Abuse
5 Star Rating
Refinancing with Melinda Ivkovic made the whole process extremely efficient and professional. Melinda's incredible expertise in mortgages, along with the staff's knowledge, made the closing an expeditious affair. I was shocked when I was told I was cleared to close in just a few short weeks with an interest rate and loan term that were most competitive compared to other lenders.
Refinancing was fast and easy with Melinda Ivkovic at Fourleaf—expert, professional, and competitive. I had a very positive experience and would highly recommend Fourleaf to everyone.
show more
show less
Product: FourLeaf Federal Credit Union Mortgages
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi, Rita. We are so happy to hear you had a positive experience with Melida and FourLeaf. Thank you for taking the time leave us a review and for choosing FourLeaf for your mortgage needs.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
rsherwd @rsherwd
Report Abuse
5 Star Rating
Made an appointment to buy my car out of its lease at the Patchogue office. Went right in and met with Justin McKim, who took care of everything for me. All the paperwork was completed, even the forms I needed for the DMV. Very pleased with FourLeaf.
show more
show less
Product: FourLeaf Federal Credit Union Car Loans
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Thank you for sharing your experience and taking the time to leave us a positive review!
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
josephcue19 @josephcue19
Report Abuse
5 Star Rating
FourLeaf made the process of obtaining a HELOC extremely smooth and quick. Margaret Fink and Carlos Perez were very professional and explained the process in detail. Customer service was very good, and everything was completed quickly and efficiently. I would definitely recommend them to anyone looking for a HELOC.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi, Joseph! Thank you for sharing your positive experience with us throughout your HELOC process. Thank you for your membership and for choosing FourLeaf!
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Harold Louissaint @hlouissaint
Report Abuse
5 Star Rating
Very professional, easy process, no nonsense, and timely was my experience with FourLeaf. Patricia Howard communicated with me thoroughly, which I highly appreciate. The whole team was great to work with. I would recommend this place to anyone applying for a HELOC. Thank you, FourLeaf!
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hi, Harold. Thank you for taking the time to leave us a positive review! We are so happy you had a pleasant experience with us throughout your HELOC process.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Ni Wh @NickJW32
Report Abuse
1 Star Rating
This was a horrendous experience. I was approved for a HELOC, paid money to provide the required documents they requested, and opened an account. I asked countless times if everything looked good on their end, and they said it did. On the day of closing, they called and canceled the HELOC. It's a horrible business, and these people have no idea what they're doing. I will never recommend this company; if I could give 0 stars, I would.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Thank you for reaching out and bringing this to our attention. We would like for the opportunity to escalate these matters to our team for review. If you would like to speak with us further regarding your experience, please reach out to [email protected] with your full name and best contact and we will have a dedicated member of our team reach out to you directly. Your feedback is important to us and we are here to help.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Stacie Chun @staciechun
Report Abuse
1 Star Rating
Before you get a HELOC with FourLeaf, make sure you understand that drawing funds is a huge hassle and takes about 10 days to get access to funds each time you want to draw. That is because the ONLY way to use the line of credit is with a paper check. There is no way to transfer funds electronically (that ended in August 2025). If you want to pay for home improvements using the HELOC you must write a check to someone (yourself?) and let that clear the bank. I ran into issues with the time it takes for the check to clear (4-6 days if all goes smoothly), daily deposit limits from the bank where I have my checking account, and daily limits to how much I can pay from my checking account. Like any financial account, it's a lot of work and $$ to change the relationship or get the HELOC from another institution, so make sure you are going to be able to live with this arrangement. I regret it so much, but it's too late for me, so I have to live with it. AND, FourLeaf was not transparent about this issue. They were all rosy about how great the change would be. It's easier to pay your bill now, but everything else is much worse.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
1
0
FourLeaf Federal Credit Union @fourleaffcu
Hello Stacie, we appreciate you taking the time to leave us feedback and share your experience. You may request a transfer of $1,000 or more from your Home Equity Line of Credit to a FourLeaf deposit account by visiting a branch, scheduling a virtual branch appointment, or calling our Contact Center at 800-628-7070. If you have any additional questions or need further assistance, please do not hesitate to reach out to [email protected] with your full name and best contact number and we will have a dedicated representative reach out to you directly.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Chad Rocheford @chad_rocheford
Report Abuse
5 Star Rating
Too Good to Be True—Until It Wasn't!"
I don't usually write reviews, but my experience with Fourleaf Federal Credit Union—and especially Alison Perez—deserves to be shared. Honestly, when I first started the process, I was skeptical. Everything sounded so smooth, so helpful, and so quick that I actually thought to myself, "There's no way this is real."
But Alison proved me wrong. She walked me through every step with patience, clarity, and professionalism that made the whole process feel effortless. She never overpromised—she just delivered. And I mean delivered. The moment that check arrived, my jaw dropped. What I thought was too good to be true turned out to be exactly what they said it would be.
If you're sitting on the fence, wondering if this credit union can really come through—take it from me. They can. And they will. Fourleaf Federal Credit Union, with Alison Perez leading the way, turned my doubt into confidence and my "maybe" into a very real "yes.
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
We truly appreciate your positive feedback, Chad, and we are so happy to hear our teammate, Allison, could provide you with a great experience! We look forward to assisting you in the future.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Cynthia Woodruff @gcwoody54
Report Abuse
5 Star Rating
I encourage anyone needing a mortgage to consider Four Leaf Federal. From the beginning, Loan Officer Nicholas Todaro shared his knowledge and experience to guide me through the process. His response and follow-through to questions were exceptional! The entire procedure went smoothly, without difficulty, including working with Processor Ci-Gee Sciarratta. The closing meeting with Jennifer Rudolph, Closing Manager at Gaffney Law Group, was a pleasure, and Mr. Todaro was kind enough to attend without my asking. All in all, I felt I received 5-star service from the Mortgage Team at Four Leaf Federal and highly recommend them.
show more
show less
Product: FourLeaf Federal Credit Union Mortgages
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Thank you for the kind words, Cynthia! We are happy to hear you had a great experience with Nicholas.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
hazelbrad1 @hazelbrad1
Report Abuse
5 Star Rating
Pleasant, professional, and efficient. Working with Hugo Potts, Patricia Howard, and the team could not have been smoother. What more can you ask for?
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
1
FourLeaf Federal Credit Union @fourleaffcu
Hi Hazel! We are thrilled to hear you had a positive experience with our team. We look forward to assisting you in the future.
show more
show less
Comment
0
0
FourLeaf Federal Credit Union
Yvette Elliard-Liburd @classiteach
Report Abuse
5 Star Rating
I opened a checking, savings, and transferred money to a high-yield savings account. I also opened a trust checking, savings, and high-yield savings account. Everyone was extremely helpful and accommodating, from the initial contact with Peggy to the closing in your Central Islip Branch, and everyone in between! Thank you, FourLeaf, for satisfying all my financial needs!
show more
show less
Product: FourLeaf Federal Credit Union Home Equity
Comment
0
0
FourLeaf Federal Credit Union @fourleaffcu
Hello Yvette! We're so glad to know you had a great experience with us - thank you for being a valued member and sharing your feedback!
show more
show less
Comment
0
0
Review FourLeaf Federal Credit Union
WalletHub Awards
FourLeaf Federal Credit Union has won the following WalletHub Awards:
Get answers to your questions about FourLeaf Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The FourLeaf Federal Credit Union CD has an APY of 1.00% - 2.50%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
3-Month: 1.00% APY
6-Month: 1.75% APY
1-Year: 1.75% APY
2-Year: 1.50% APY
3-Year: 1.75% APY
5-Year: 2.50% APY
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the Bethpage Federal Credit Union website.
You can check the best CDs available for you to make sure that whatever decision you go for really fits your goals.
FourLeaf Federal Credit Union Savings Account - 0.00% - 0.10% APY.
FourLeaf Federal Credit Union Student Savings Account - 1.39% - 5.00% APY.
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the Bethpage Federal Credit Union website.
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the Bethpage Federal Credit Union website.
The FourLeaf Federal Credit Union Money Market Account has an interest rate of 0.10% - 1.00%. The interest you'll earn depends on the balance you have on the account. Here is a breakdown on their interest rates:
No, FourLeaf Federal Credit Union CDs do not have monthly maintenance or service fees, but they do incur early withdrawal penalties if funds are withdrawn before maturity. Also, to open a CD with FourLeaf Federal Credit Union you must meet their eligibility criteria and make a $5 minimum deposit into a FourLeaf Federal Credit Union Savings Account.
For the most up-to-date information, please refer to FourLeaf Federal Credit Union's website or contact their customer service at (800) 628-7070.
Yes, Fourleaf Federal Credit Union does offer an 11-Month CD. To apply for one you can go online or in person at a branch. However, you must meet Fourleaf's eligibility criteria.
It's important to note that this product may change without prior notice. For the most up-to-date information, please refer to Fourleaf Federal Credit Union's website or contact their customer service.
You can check the best CD rates available for you to make sure that whatever decision you...
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
