FourLeaf Federal Credit UnionReviews of fourleaffcu.com

About a year ago, I got a home equity loan with BethPage FCU. I set up automatic payments and received a discount for setting up the automatic payments. Recently, Fourleaf FCU acquired BethPage. In early July, I received a notice that my payment was over due. This is the first time i had heard of such an issue. I emailed Fourleaf several times, letting them know that I had automatic payments set up, so that if there was a problem, it was on their end and not mine. Fourleaf basically blew me off and then subsequently reported my late payments to the credit reporting agencies, which I found out about today. I have excellent credit, and I have worked hard to ensure that I do. Fourleaf has affected my credit and reported a negative event that was not my fault.

Their website is very antiquated and hard to use, i have late fees on my account as i was out of work and can not pay the fees with the account i have on file with them. had to open a saving account with them and put $50 in it and money is gone from my account but no new saving account. Why make it so difficult to pay??? its 2025 pay someone to get your website up to par. horrible experience may sell my truck to not deal with the lame duck company

I do not recommend this bank will charge you so many fees without notice!! Especially since they changed the name and the policies! Bank somewhere else if you can!! I will be closing my account after 2 years of banking with them. I called to get my issue resolved with management and they hung up the phone on me. I won’t be banking anywhere where the customer service is rude and cannot resolve issues for customers.

FourLeaf is not competent at IRA distributions. They say because their IRA distributions are processed in MD they cannot withhold state tax for any other states, so you are stuck with filing estimated state tax if you don't reside in MD. They did not withhold the requested federal tax amount. But after 45 minutes on the phone they corrected that fed tax error. They agreed it didn't match requested amount, but had no idea why it needed to be fixed, so may happen again.

Absolutely horrible experience with insurance check due to a flood in my bathroom. They released 1/2 of the money awarded to me for repairs, they will not release the remainder so I can order the rest of the materials and pay my trades. I owe my contractor money, he won’t continue without payment so my job is at a stand still. I paid the insurance, I’ve never made a late payment on any of my bills. I highly recommend a real bank, credit unions are different. Seems this woman is trying to justify her job by holding back my funds. I’m closing all acts as soon as this ordeal is over and I’m warning anyone that is considering using BFCU/fourleaf that this is not a bank, they’re a joke of an establishment. I’ve made a complaint to the BBB and I’ll likely contacting a lawyer.

"Almost 30 years with BFCU, I’m extremely disappointed by the recent changes. The rebranding or Management changes have stripped away the personal, member-focused service, and the removal of courtesy policies effective Jan'2025—without any notice—just cost me over $120." "BFCU used to value its members, but since the rebrand, it feels like just another impersonal institution. I was never informed that key courtesy policies were removed, leading to unexpected charges and zero support from Customer Service." "Loyalty means nothing to BFCU anymore. With no warning, they removed long-standing courtesy policies that protected members—costing me money and leaving me with no response from support. Time to move on." Sincerely, Michael T...

Read your contract carefully. I was told I needed to keep a loan balance of $25,000 for the first year or pay the origination fee. What they did not tell me was there is a prepayment penalty if the loan is paid off before three years from origination. I was not informed of that fact before closing. Now I am selling my home after one year into the loan, and the prepayment penalty is $2,083. They buried that clause on page 28 of an 80-page agreement for the loan. Beware, borrowers!

I called around looking for good rates for a HELOC. Took my time to decide on where to apply. I finally landed on Bethpage based on things that I asked whilst speaking a loan representative. It took me about two weeks to begin the loan process. I was told that if I was approved I would get a call within 2 business days. That never happened. So I called them and I was told that was approved a smaller amount than what I requested. That's not what bothers me though. Finally, I get some email correspondence from the person who is supposed to call me and explain next steps. That didn't happen he sent email full of information that I didn't understand. In the email communication he made certain assumptions that were extremely inaccurate. I responded to his email with notations. No follow up via email, so I call and speak with him. I mention the erroneous information he eluded to in his email correspondence step by step. He gave me the rate I was approved for and sent documents for me to sign. I too, was supposed to send along other documents they required (I get that part). If you sent me a letter telling me what my rate will be for the amount you approved me for, why then turn around and tell me the rate may change based on the outcome of the appraisal for my home? Why not just wait until you've done all of your due diligence on my behalf and then give me the rate? It felt like bait and switch. Oh yes you're approved for a 7% interest rate. Read further down and it says the initial rate might change. I know that HELOC's are tied to the Prime Interest rate plus whatever they decide to add to it. Credit worthiness, DTI, LTV. Why on earth would you tell me my incoming rate then tell me it might change as a result of the valuation of my home?