FourLeaf Federal Credit UnionReviews of fourleaffcu.com

I'm having the exact same issue as some others have mentioned. The bank took over Bethpage and changed the way my loan funds can be withdrawn and now I'm forced to use paper checks for everything. Oh and get this, I can't even use the original checks I was given and was never mailed new checks...The loans pretty much useless at this point. Absolutely RIDICULOUS and extremely stupid. Not only that, the tech of this lender is completely outdated and inefficient. Definitely going to to be looking at switching my HELOC with a different bank. Avoid at all costs.

If i could, I would give them zero stars. I have been with this credit union for over 26 years and can't even get a loan. The first loan I applied for was back in the 90's for $1000 and if it wasn't for the consultant telling me that she's going to push for me to get the loan because I had very good credit, I probably would'nt have gotten the loan. Fast foward, I applied once again some years later for a loan with the same credit status and yet they denied me again. I applied again on August 19, 2025 to only be denied again. Based on what the assistant branch manager claimed was that they felt that the debt consolidation loan would've not been beneficial for me and that they are strict. I have 2 good paying jobs, a good credit score and NO LATE PAYMENTS, EVER! Yet I was still denied in despite of having excellent payment history and a pre-approved loan for $25,000 with another financial institutuion.. I told the assistant manager that they are biased and had I not thought the loan would've no't benefited me, I would've never asked for the amount I asked for. I refuse to continue to bank with a bias credit union who doesn't have a problem taking my money but yet are too bias to give me a loan. I will be closing every account of ours and go where I am not judged for the COLOR OF MY SKIN - but for my worthiness. So yes - Four Leaf Credit Union is a biased credit union. Don't do business with this prejudice business - FOUR LEAF formerly Bethpage Federal Credit Union!

FourLeaf Federal Credit Union made Home Equity lines really inconvenient for their customers! This time I am writing about the issues making principal payments to the HELOC. The payment platform they use do not allow an option to make principal only payments even when you have made the interest payment. I have to call into the new servicer to have this done. This is another huge inconvenience for the customer. To fix this issue, FLFCU needs to move all HELOCs back to their original servicer and allow the original features of the app and online platform. I wrote a review 7 days ago regarding the following issues with the HELOC. Customers with home equity lines can only access that money through checks. Money cannot be transferred through the app or through any other source. This is extremely inconvenient for customers! Previously, customers could transfer money within the app to other accounts with FourLeaf 24/7. This is the ideal way for customers to be able to use their home equity lines because it allows us access to our money when we need it, 24/7, and within minutes! In addition, it allowed customers to deposit money into the home equity line more easily for payments. To fix this problem, FourLeaf needs to reinstate the ability to transfer funds from the home equity line to all accounts with FourLeaf and allow direct deposits into the home equity line within the app. It is understood that companies make mistakes; however, it is how they handle those mistakes that matter. FourLeaf needs to fix this immediately to show they pay attention and are here for the convenience of their customers.

When I first established my HELOC last year their electronic banking capability was somewhat adequate, albeit a bit confusing. Recently Fourleaf undertook a bizarre systems overhaul which place the company squarely in the 1980s. Barely. Example: if you want to draw funds from your HELOC you have to write a check to yourself and deposit this check into your checking account using their mobile app. I haven't actually tried this process but I suspect it is riddled with restrictions such as limitations on the amounts that you can deposit and withdraw and probably delays in posting these transactions. So the HELOC has incredibly low liquidity. And their customer service has degraded tremendously. Example: they have separate customer service for their loans and for their regular banking. I would stay away from this credit Union.

This is a Credit Union, and has the worst savings rates I have ever seen. They recently changed the platform for their mortgage products, and made it very difficult to make automated payments and access your line of credit. The bill pay service has no export facility for scheduled payments so you have to write the amounts down and add them with a calculator like its 1970. The representatives are very good and professional, but some are ill informed and provide bad information.

CHOOSE SOMEONE ELSE. I started when this company was Beth page for a HELOC. We had ACH auto payments set up. A copule of months ago they switched everything over to a new company. All of a sudden, our auto payments disappeared, we never received any payments in the mail, but started getting notices that we were behind on payments! When we called in they couldn’t even tell us what was owed and told us we had to wait until their website updated in July. The said we got mailings and it was our fault. Tried that once it came onboard and couldn’t find our account. Then calling in they are “experiencing high call volume today” they try to push you again to the website. Still on hold...Seriously regret going with this company. I would choose just about any other company for a HELOC

I opened a HELOC with (at the time was BethPage) in 2024, and had already had some negative experiences, (they worked very hard to ensure that I wouldn't get the teaser rate on the HELOC - too many hoops to jump through). However, their recent 'upgrade' essentially removed all online access to the accounts that you have with them. You can't electronically transfer from a HELOC or even a savings account anymore. It's all now done via paper, like it's 1980. That is not my idea of an 'upgrade'. I need to get paper withdrawal slips for the savings account that I have with them, as that's the only way the money can be withdrawn. Same for HELOC. Knowing this now, I'd never choose them, as they are making giant leaps backwards.

BEWARE!!! They’ve made all kinds of changes to their HELOCS that are to the customer’s disadvantage. Now there’s no way in their payment portal to indicate that a payment, or portion thereof, should be directed to principal. So they’re applying the ENTIRE amounts to interest. Customer service is calling it a “glitch” in their system. I call it criminal! Worst of all, there is now very limited access to our HELOC funds. No more online transfers!! We can get to our money only by writing ourselves or someone else a HELOC check!!! (And then waiting days for it to clear!). RIDICULOUS! We should have immediate access to our funds somehow!!! They took away all of our transfer options.😡 They’re a joke of a bank and I regret opening a HELOC with them. DO BETTER, FOURLEAF!!!😡