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iAdvertiser Disclosure
Advertiser Disclosure
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 FourLeaf Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 10, 2026
FourLeaf Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of FourLeaf Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.82%. Rates last updated and verified on 09/10/2026. FourLeaf Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FourLeaf Federal Credit Union? Share your experience about FourLeaf Federal Credit Union by leaving a review below, or read customer reviews before you decide to use FourLeaf Federal Credit Union. FourLeaf Federal Credit Union
Bethpage 899 S Oyster Bay Rd
https://www.fourleaffcu.com/ Bethpage, NY 11714-1030 
FourLeaf Federal Credit Union Mortgage Rates
FourLeaf Federal Credit Union Home Equity & HELOC
FourLeaf Federal Credit Union Auto Loan Rates
FourLeaf Federal Credit Union Personal Loan Rates
Financial Health HistoryFourLeaf Federal Credit Union’s Texas Ratio rose from 9.22% in Q2 2023 to 15.82% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FourLeaf Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather FourLeaf Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with FourLeaf Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FourLeaf Federal Credit Union
Website
https://www.fourleaffcu.com/
Address
899 S Oyster Bay Rd,
Bethpage, NY 11714-1030
Phone
516-349-6800
Fax
516-349-4251
President
Anne Brigis
CEO
Linda Armyn
Full-Time Employees
1,169
Part-Time Employees
11
Branch Locations
44
ATM Locations
30
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
15.82%
Return on Assets (ROA)
0.1530%
Return on Equity (ROE)
1.7204%
Non-Performing Loans Ratio (NPL)
2.02%
Total Assets
14,365,077,820
Total Amount of Shares and Deposits
12,953,689,393
Total Shares and Deposits < 1 Year
12,450,711,900
Total Shares and Deposits 1 3 Years
347,800,973
Total Shares and Deposits > 3 Years
155,176,520
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,770,707,650
Total Uninsured Shares and Deposits > $250K (F+J)
1,770,707,650
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,182,981,743
Total Interest Expense (Sum of items 6 8)
72,400,489
Share Certificates
63,428
Number of Accounts for Share Drafts
336,176
IRA KEOGH Accounts
23,066
Number of Accounts for Regular Shares
601,501
Money Market Shares
85,263
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
605,875,008
Total Liabilities
13,204,854,266
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsirLB
December 17, 2025
VRGW
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Frequently Asked Questions About FourLeaf Federal Credit UnionHow many branches does FourLeaf Federal Credit Union operate?FourLeaf Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join FourLeaf Federal Credit Union?Yes, to access services at FourLeaf Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, FourLeaf Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, FourLeaf Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does FourLeaf Federal Credit Union offer online and mobile banking?Most modern institutions like FourLeaf Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fourleaffcu.com/. Compare to Other Credit Unions
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