FourLeaf Federal Credit Union (FourLeaf) has been committed to the financial well-being of our members for almost 85 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 child’s first savings account, FourLeaf is here to help you reach your financial goals. FourLeaf has been an integral community partner through our charitable giving and community development programs since 2002. We are proud to help support community initiatives that make a difference in New York and beyond.
FourLeaf Federal Credit Union (fourleaffcu.com) has 261 customer reviews on Five Star Index, with an average rating of 4.0 out of 5.
Also known as
fourleaffcu.com
Website
fourleaffcu.com
Category
Banking & Money
Location
Bethpage, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 96% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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I had a virtual meeting with Keshia Cole and she was just amazing. She took her time to explain everything. I was not familiar with FourLeaf and a bit apprehensive working with a virtual bank, since I am in NC, but she put me at ease. Very much appreciate the customer service. Keshia is outstanding!
Response from FourLeaf Federal Credit UnionJan 31, 2026
We are so happy to hear you had a great experience during your virtual appointment with Keshia. Thank you for taking the time to share your experience with us! We appreciate your membership.
DT
DT
True Professionalism with Empathy
⭐⭐⭐⭐⭐ Outstanding Service from Joseph Nocella – 4 Leaf Credit Union (Bethpage, NY)
I had a great experience working with Joseph Nocella at 4 Leaf Credit Union in Bethpage, New York while opening my business account. Joseph was extremely professional, patient, and knowledgeable throughout the entire process. He took the time to explain every step clearly, answered all of my questions, and made sure everything was set up properly from start to finish.
What really stood out was how responsive and supportive he was — he truly made the whole process smooth and stress-free. It’s rare to find someone who actually cares about doing things the right way and treating customers with respect.
If you’re looking to open a business account or need help with anything banking-related, I highly recommend Joseph Nocella. Thank you again for the excellent service!
Berdan Togay (Member Since 2006)
Response from FourLeaf Federal Credit UnionJan 23, 2026
Hi Berdan! Thank you for your longstanding membership with us. We are thrilled to hear our teammate, Joseph, was able to assist you with your business account needs. We appreciate you taking the time to leave us wonderful feedback and look forward to assisting you in the future!
KA
kathybaca
This was the worst banking experience…
This was the worst banking experience of my life. And it also was unscrupulous. We signed up for a home equity loan that was advertised online. The stipulations were that it was a good rate, and it was a promotion, and after we sold our house and went to closing that the loan be paid and that we had to keep open a $25,000 line of credit for approximately seven more months making it a full year. They switched us they switched us to a loan contingent upon the sale of our house, which was not the case, nor was it what we signed up for. It was a bait and switch. We ended up losing $2000 because the difference on the penalty of this three-year loan which we did not sign up for, ended up with us losing $4000 plus when it should’ve been approximately $2000 paying off the $25,000 line of credit per month for the six or seven months remaining. Again this was a promotion, it’s what we wanted. It’s what we were told we were going to get, and it was all a scam. Do not use this facility. When it was Bethpage credit union, it was good and reliable company. We are going to report this.
Response from FourLeaf Federal Credit UnionJan 21, 2026
Hello Kathy, thank you for taking the time to share your feedback. We’re sorry to hear about your frustration and want to clarify a few important points.
When a Home Equity Line of Credit (HELOC) is opened, members sign disclosures that explain the terms of the line, including that if the HELOC is closed before a specified time period, the member may be responsible for the closing costs. In this situation, the sale of the property required the HELOC to be paid off, which resulted in the line being closed earlier than the agreed-upon timeframe.
We understand that this can be disappointing, and we want to assure you that these terms are standard and are disclosed at the time the HELOC is established. At this time, a HELOC cannot be converted into another loan type upon payoff.
That said, we truly value our members and would be happy to review your specific loan details with you and discuss any questions or concerns you may still have. Please contact us at [email protected] with your full name and best contact information, and a representative will reach out to you directly. We appreciate the opportunity to address this matter and hope to connect you with soon.
KR
KRWEN
THIS BANK CHANGES THEIR POLICIES…
THIS BANK CHANGES THEIR POLICIES EVERYDAY. ITS AMAZING THEY CAN RUN A BUSINESS,
AWEFUL
Response from FourLeaf Federal Credit UnionJan 21, 2026
Hello, your feedback is invaluable to us. Please contact us at [email protected] and we would be happy to have a representative reach out to you directly to further discuss your experience and provide assistance if needed.
JC
J C.
Online portal is shit and call center is ass!
literally cant make a payment without calling them and you cant talk to anyone on the phone. what a trash service!
Response from FourLeaf Federal Credit UnionJan 10, 2026
Good morning, we have addressed your review on Yelp as well, we would like an opportunity to discuss your experience further, please feel free to contact us directly by emailing [email protected]. We hope to hear from you soon.
EH
E.H.
Baldwin Branch review.
All of the folks at the Baldwin Branch are personable and bend over backwards to help. I couldn't ask for a better banking experience.
Response from FourLeaf Federal Credit UnionDec 26, 2025
Thank you for taking the time to share your experience with our Baldwin team! We will pass along your kind words.
JB
judy B.
Quick and thorough process
Quick and thorough process. All smooth
Response from FourLeaf Federal Credit UnionDec 17, 2025
We are delighted that you had a great experience with us, Judy. Thank you for taking the time to leave us a positive review!
BR
Bryan
Amazing team you have in your Patchogue…
Amazing team you have in your Patchogue Branch!
Response from FourLeaf Federal Credit UnionDec 15, 2025
Hi Bryan, thank you for taking the time to leave us a review! We are so happy to hear that you had a positive experience while working with our Patchogue branch.
