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FourLeaf Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 20, 2026
FourLeaf Federal Credit Union's 60 Month Business CD Account rates are at 4.15%, 60 Month CD rates are at 4.15%, 60 Month IRA CD rates are at 4.15%, 13 Month Business CD Account rates are at 4.00%, 13 Month CD rates are at 4.00%. FourLeaf Federal Credit Union's savings rates are at 5.00%. FourLeaf Federal Credit Union's money market rates are at 1.00%. FourLeaf Federal Credit Union's checking rates are as high as 0.40%. FourLeaf Federal Credit Union's 7/1 ARM rates are at 6.50%, 5/1 ARM rates are at 6.50%, Mortgage - 15 Year Fixed rates are at 6.88%, 10/1 ARM rates are at 7.25%, Mortgage - 20 Year Fixed rates are at 7.12%. FourLeaf Federal Credit Union's Personal Loan Rates are as low as 8.99%. MonitorBankRates evaluates the financial stability of FourLeaf Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.52%. Rates last updated and verified on 10/20/2026.
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.
Overall Health & Safety Grade
?
B+
Good HealthScore: 89/100
Overall Health & Safety Grade
FourLeaf Federal Credit Union has earned an overall safety grade of B+ (Good, Score: 89/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.8
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
FourLeaf Federal Credit Union has earned a Star Rating of 4.8 out of 5 stars (Excellent).
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
?
17.52%
GoodHigher than avg
FourLeaf Federal Credit Union Texas Ratio
FourLeaf Federal Credit Union's Texas Ratio is 17.52%, which is considered good and is higher than the national average of 6.13%.
While FourLeaf Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
8.60% to 17.52% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.8, Health Grade A to B+
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
FourLeaf Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
60 Month Certificate
4.07%
4.15%
60 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
60 Month IRA Certificate
4.07%
4.15%
60 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
13 Month Certificate
3.92%
4.00%
13 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
13 Month IRA Certificate
3.92%
4.00%
13 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
8 Month Promotional Certificate
3.92%
4.00%
8 months
Min Deposit$50
Min Balance$0
DetailsPromotional certificate; APY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
11 Month Certificate
2.96%
3.00%
11 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
11 Month IRA Certificate
2.96%
3.00%
11 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
8 Month Certificate
1.73%
1.75%
8 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.75% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
8 Month IRA Certificate
1.73%
1.75%
8 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.75% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
10 Month Certificate
1.24%
1.25%
10 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
10 Month IRA Certificate
1.24%
1.25%
10 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
12 Month Certificate
1.24%
1.25%
12 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
12 Month IRA Certificate
1.24%
1.25%
12 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
18 Month Certificate
1.24%
1.25%
18 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
18 Month IRA Certificate
1.24%
1.25%
18 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
24 Month Certificate
1.24%
1.25%
24 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
24 Month IRA Certificate
1.24%
1.25%
24 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
30 Month Certificate
1.24%
1.25%
30 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
30 Month IRA Certificate
1.24%
1.25%
30 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
36 Month Certificate
1.24%
1.25%
36 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
36 Month IRA Certificate
1.24%
1.25%
36 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
48 Month Certificate
1.24%
1.25%
48 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
48 Month IRA Certificate
1.24%
1.25%
48 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
6 Month Certificate
1.24%
1.25%
6 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
6 Month IRA Certificate
1.24%
1.25%
6 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
7 Month Certificate
1.24%
1.25%
7 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
7 Month IRA Certificate
1.24%
1.25%
7 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
9 Month Certificate
1.24%
1.25%
9 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
9 Month IRA Certificate
1.24%
1.25%
9 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
3 Month Certificate
1.00%
1.00%
3 months
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
3 Month IRA Certificate
1.00%
1.00%
3 Month
Min Deposit$50
Min Balance$0
DetailsAPY as of 10/19/2026
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
60 Month Business Certificate Account
4.07%
4.15%
60 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
13 Month Business Certificate Account
3.92%
4.00%
13 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
11 Month Business Certificate Account
2.96%
3.00%
11 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
8 Month Business Certificate Account
1.73%
1.75%
8 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
10 Month Business Certificate Account
1.24%
1.25%
10 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
12 Month Business Certificate Account
1.24%
1.25%
12 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
18 Month Business Certificate Account
1.24%
1.25%
18 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
24 Month Business Certificate Account
1.24%
1.25%
24 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
30 Month Business Certificate Account
1.24%
1.25%
30 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
36 Month Business Certificate Account
1.24%
1.25%
36 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
39 Month Business Certificate Account
1.24%
1.25%
39 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
48 Month Business Certificate Account
1.24%
1.25%
48 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
6 Month Business Certificate Account
1.24%
1.25%
6 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
7 Month Business Certificate Account
1.24%
1.25%
7 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
9 Month Business Certificate Account
1.24%
1.25%
9 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
3 Month Business Certificate Account
1.00%
1.00%
3 months
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
DetailsAs Low As; Rates assume a NY property; Estimated monthly payment (P&I) $1,726.69; Excludes taxes and hazard insurance
Last Updated10/20/2026
Rate History
No change since Oct 20, 2026 · 7.47% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FHA 30 Yr Fixed
7.25%
0.00
8.058%
DetailsRate as low as 7.250%; APR as low as 8.058%; Estimated monthly payment (P&I) $1,705.44 (excludes taxes and hazard insurance); Payment example assumes NY Nassau/Suffolk primary residence, LTV 75% or less on purchase (70% or less on refinance), 60-day rate lock, credit score 780+; minimum loan amount $10,000, maximum $1,500,000; membership required with $5.00 savings account
Last Updated10/20/2026
Rate History
No change since Oct 20, 2026 · 8.06% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FHA 15 Yr Fixed
7.25%
0.00
8.088%
DetailsRate as low as 7.250%; APR as low as 8.088%; Estimated monthly payment (P&I) $2,282.16 (excludes taxes and hazard insurance); Payment example assumes NY Nassau/Suffolk primary residence, LTV 75% or less on purchase (70% or less on refinance), 60-day rate lock, credit score 780+; minimum loan amount $10,000, maximum $1,500,000; membership required with $5.00 savings account
Last Updated10/20/2026
Rate History
No change since Oct 20, 2026 · 8.09% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOC - Standard Variable Rate
-
-
7.00%
DetailsAs Low As; Variable APR based on WSJ Prime plus margin (if applicable), subject to increase after consummation; Maximum Loan Amount: $1,000,000
Last Updated10/20/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 18, 20267.00%▲ from 6.75%
Sep 15, 20266.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto (60 months)
-
-
5.53%
60 months
DetailsAs Low As; Maximum Loan Amount: $100,000; New vehicles only; assumes top tier credit and LTV of 90% or less
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 5.53% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New Auto (72 months)
-
-
5.68%
72 months
DetailsAs Low As; Maximum Loan Amount: $100,000; New vehicles only; assumes top tier credit and LTV of 90% or less
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 5.68% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned Auto (60 months)
-
-
5.88%
60 months
DetailsAs Low As; Maximum loan amount: $100,000; top tier credit, LTV 90% or less; $5.00 savings account required for membership
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 5.88% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned Auto (72 months)
-
-
5.88%
72 months
DetailsAs Low As; Maximum loan amount: $100,000; top tier credit, LTV 90% or less; $5.00 savings account required for membership
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 5.88% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New Auto (84 months)
-
-
6.18%
84 months
DetailsAs Low As; Maximum Loan Amount: $100,000; New vehicles only; assumes top tier credit and LTV of 90% or less
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 6.18% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned Auto (84 months)
-
-
6.33%
84 months
DetailsAs Low As; Maximum loan amount: $100,000; top tier credit, LTV 90% or less; $5.00 savings account required for membership
Last Updated10/20/2026
Rate History
No change since Oct 14, 2026 · 6.33% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New Auto (96 months)
-
-
6.83%
96 months
DetailsAs Low As; Maximum Loan Amount: $100,000; New vehicles only; assumes top tier credit and LTV of 90% or less; minimum loan amount for 96-month new auto is $20,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 6.83% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned Auto - Classic Auto (25 Model Yrs and Older)
-
-
8.29%
DetailsAs Low As; Maximum loan amount: $35,000; Classic Vehicle is 25 model years or more older than current model year; maximum loan term 60 months
Last Updated10/20/2026
Rate History
No change since Oct 20, 2026 · 8.29% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles - New & Pre-Owned Loan
-
8.29%
DetailsAs Low As; Maximum loan amount $35,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.29% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New RVs - Fixed Rate (60 months)
-
8.29%
60 months
DetailsAs Low As; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.29% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned RVs - Fixed Rate (60 months)
-
8.29%
60 months
DetailsAs Low As; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.29% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New RVs - Variable Rate (84 months) Loan
-
8.75%
84 months
DetailsAs Low As; Variable rate; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
1 change since Sep 15, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50%
Oct 20, 20268.75%▲ from 8.50%
Sep 15, 20268.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
New RVs - Fixed Rate (84 months)
-
8.79%
84 months
DetailsAs Low As; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.79% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned RVs - Fixed Rate (72 months)
-
8.79%
72 months
DetailsAs Low As; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.79% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Pre-Owned RVs - Variable Rate (84 months) Loan
-
9.75%
84 months
DetailsAs Low As; Variable rate; Maximum loan amount $75,000
Last Updated10/20/2026
Rate History
1 change since Sep 15, 2026 · 9.50% → 9.75% ▲ 0.25 pts · high 9.75% / low 9.50%
Oct 20, 20269.75%▲ from 9.50%
Sep 15, 20269.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
8.99%
DetailsAs Low As; Maximum loan amount $35,000; assumes top tier credit and a term of 36 months or less; minimum loan amount $500
Last Updated10/20/2026
Rate History
No change since Sep 15, 2026 · 8.99% APR · checked 9 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Personal Line of Credit
12.95%
DetailsAs Low As; Maximum Loan Amount: $35,000; Variable rate: U.S. Prime Rate plus 5.95% margin (Prime 7.00% per page)
Last Updated10/20/2026
Rate History
1 change since Sep 15, 2026 · 12.70% → 12.95% ▲ 0.25 pts · high 12.95% / low 12.70%
Sep 18, 202612.95%▲ from 12.70%
Sep 15, 202612.70%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
FourLeaf Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
IOLA (Interest on Lawyer Account)
1.98%
-
2.00%
Min Balance$0
Last Updated10/20/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.52%
Financial Health History
FourLeaf Federal Credit Union’s Texas Ratio rose from 8.60% in Q3 2023 to 17.52% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$14.4B
17.52%
4.8
B+
March 31, 2026
$14.4B
15.82%
4.9
A-
December 31, 2025
$14.0B
15.79%
4.9
A-
September 30, 2025
$14.1B
15.93%
4.9
A-
June 30, 2025
$13.9B
12.47%
5.0
A
March 31, 2025
$13.5B
11.41%
5.0
A
December 31, 2024
$13.4B
13.20%
5.0
A
September 30, 2024
$13.3B
12.75%
5.0
A
June 30, 2024
$12.9B
14.27%
5.0
A-
March 31, 2024
$13.1B
9.64%
5.0
A
December 31, 2023
$12.9B
12.11%
5.0
A
September 30, 2023
$13.0B
8.60%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Address
899 S Oyster Bay Rd,
Bethpage, NY 11714-1030
Phone516-349-6800
Fax516-349-4251
PresidentAnne Brigis
CEOLinda Armyn
Full-Time Employees1,211
Part-Time Employees11
Branch Locations45
ATM Locations30
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.52%
Return on Assets (ROA)
0.2885%
Return on Equity (ROE)
3.2074%
Non-Performing Loans Ratio (NPL)
2.23%
Total Assets
14,423,897,715
Total Amount of Shares and Deposits
13,000,263,626
Total Shares and Deposits < 1 Year
12,506,484,828
Total Shares and Deposits 1 3 Years
336,659,472
Total Shares and Deposits > 3 Years
157,119,326
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,771,082,785
Total Uninsured Shares and Deposits > $250K (F+J)
1,771,972,069
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,228,291,557
Total Interest Expense (Sum of items 6 8)
143,808,564
Share Certificates
59,124
Number of Accounts for Share Drafts
341,273
IRA KEOGH Accounts
22,760
Number of Accounts for Regular Shares
610,455
Non Member Deposits
1
Money Market Shares
86,123
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)
520,620,977
Total Liabilities
13,242,567,192
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About FourLeaf Federal Credit Union
Does FourLeaf Federal Credit Union offer CDs?
Yes. FourLeaf Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
Are CDs from FourLeaf Federal Credit Union NCUA insured?
Yes. FourLeaf Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at FourLeaf Federal Credit Union?
The highest CD rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 4.15% APY on its 60 Month Business CD Account, as of October 20, 2026.
What CD terms does FourLeaf Federal Credit Union offer?
The FourLeaf Federal Credit Union CD terms we track include 12 month, 13 month, 18 month, 2 year and 5 year terms, with rates from 4.00% to 4.15% APY. The institution may offer other terms or specials that are not listed here, so check with FourLeaf Federal Credit Union for its full lineup.
What is the highest savings rate at FourLeaf Federal Credit Union?
The highest savings rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 5.00% APY on its Student Savings, as of October 20, 2026.
What is the highest money market rate at FourLeaf Federal Credit Union?
The highest money market rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 1.00% APY on its Business Money Market Account, as of October 20, 2026.
What is the highest checking rate at FourLeaf Federal Credit Union?
The highest checking rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 0.40% APY on its Free Checking (Bonus Checking), as of October 20, 2026.
What is the lowest 30 year fixed mortgage rate at FourLeaf Federal Credit Union?
The lowest 30 year fixed mortgage rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 7.25% rate on its FHA 30 Yr Fixed, as of October 20, 2026.
What is the lowest auto loan rate at FourLeaf Federal Credit Union?
The lowest auto loan rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 5.53% APR on its New Auto (60 months), as of October 20, 2026.
What is the lowest personal loan rate at FourLeaf Federal Credit Union?
The lowest personal loan rate MonitorBankRates has verified for FourLeaf Federal Credit Union is 8.99% APR on its Personal Loan, as of October 20, 2026.
How 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/.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do FourLeaf Federal Credit Union rates compare?
FourLeaf Federal Credit Union's top rates are 4.15% APY on its 60 Month Business CD Account, 5.00% APY on savings, 1.00% APY on money market, 0.40% APY on checking, 6.50% on its 7/1 ARM and personal loans from 8.99% APR, verified by MonitorBankRates on October 20, 2026. To compare FourLeaf Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.
Current FourLeaf Federal Credit Union Rates
12-Month CD1.25%
18-Month CD1.25%
24-Month CD1.25%
60-Month CD4.15%
Savings5.00%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
