Credit union · NCUA insured
FourLeaf Federal Credit Union
A $14.4B credit union, the 16th largest of 4,329, headquartered in Bethpage, NY, with 519,123 members and 38 branches in 2 states. Best rates: CDs 4.15% and savings 0.10% APY.
FourLeaf Federal Credit Union Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#114 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FourLeaf Federal Credit Union
Founded in 1941 as Grumman Plant 1 and 2 Federal Credit Union, FourLeaf Federal Credit Union is headquartered in Bethpage, New York.
Formerly known as Bethpage Federal Credit Union until rebranding in 2025, it acquired Montauk Credit Union in 2016, making membership available nationwide.
The credit union focuses on supporting community initiatives and charitable giving programs in New York and beyond.
- Headquarters
- 899 S Oyster Bay Rd, Bethpage, NY 11714-1030
- NCUA charter
- 4735
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone across the country under an open charter.
Cost to join
- Opening and maintaining a $5.00 share in a FourLeaf Savings Account is required for membership.
Branches
38 branches in 2 states
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New York
37 branches
- BethpageMain office899 S Oyster Bay Rd, Bethpage, NY 11714Directions
- Albertson Branch1145 Willis Ave, Albertson, NY 11507Directions
- Bay Shore591 E Main St, Bay Shore, NY 11706Directions
- Bay Shore Supermarket834 Sunrise Hwy, Bay Shore, NY 11706Directions
- Bayside2388 Bell Blvd # A, Bayside, NY 11360Directions
- Centereach2245 Middle Country Rd, Centereach, NY 11720Directions
- Central Islip233 S Research Pl, Central Islip, NY 11722Directions
- Commack94 Harned Rd, Commack, NY 11725Directions
- East Northport357 Larkfield Rd, East Northport, NY 11731Directions
- Elmont1644 Dutch Broadway, Elmont, NY 11003Directions
- Farmingdale1033 Fulton St, Farmingdale, NY 11735Directions
- Forest Hills7127 Austin St, Forest Hills, NY 11375Directions
- Freeport210 W Merrick Rd, Freeport, NY 11520Directions
- Glen Cove16 Forest Avenue #18, Glen Cove, NY 11542Directions
- Hempstead170 Fulton Ave, Hempstead, NY 11550Directions
- Huntington33 Gerard St, Huntington, NY 11743Directions
- Levittown Crescent Plaza3531 Hempstead Tpke, Levittown, NY 11756Directions
- Long Beach26 W Park Ave, Long Beach, NY 11561Directions
- Lynbrook613 Sunrise Hwy, Lynbrook, NY 11563Directions
- Massapequa6257 Sunrise Hwy, Massapequa, NY 11758Directions
- Melville501 Walt Whitman Rd, Melville, NY 11747Directions
- Mineola131 Jericho Tpke, Mineola, NY 11501Directions
- New Hyde Park2055 Hillside Ave, New Hyde Park, NY 11040Directions
- Chelsea Branch111 W 26th St, New York, NY 10001Directions
- North Babylon1350 Deer Park Ave Ste 35, North Babylon, NY 11703Directions
- Baldwin1800 Grand Ave, North Baldwin, NY 11510Directions
- Ozone Park10232 Atlantic Ave, Ozone Park, NY 11416Directions
- Patchogue272 E Main St, Patchogue, NY 11772Directions
- Port Jefferson4900B Nesconset Hwy, Port Jefferson Station, NY 11776Directions
- Riverhead1095 Old Country Rd, Riverhead, NY 11901Directions
- Ronkonkoma1 Hawkins Ave Unit 2104, Ronkonkoma, NY 11779Directions
- Roosevelt405 Nassau Rd, Roosevelt, NY 11575Directions
- Seaford4006 Merrick Rd, Seaford, NY 11783Directions
- Smithtown240 Middle Country Road, Smithtown, NY 11787Directions
- Sunnyside4721 Queens Blvd, Sunnyside, NY 11104Directions
- West Babylon555 W Montauk Hwy, West Babylon, NY 11704Directions
- Westbury750 Old Country Rd, Westbury, NY 11590Directions
New Jersey
1 branch
- Cherry Hill56 Haddonfield Rd, Cherry Hill, NJ 08002Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.12% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 2.23% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.58% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio9.12%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late2.23%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of FourLeaf Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.