Bethpage Federal Credit Union
Bethpage Federal Credit Union was founded in 1941 on Long Island to serve employees of Grumman. Over the decades, the institution expanded beyond its original employer-based membership, developed a broad community and national membership model, and grew into one of the largest credit unions in the United States. Its products now span savings, checking, certificates, consumer loans, mortgages, home equity, vehicle financing, credit cards, business banking, digital banking, wire transfers, and other financial services.
A major current correction is required for the HeadquarterLocation page: Bethpage Federal Credit Union is no longer the institution’s current brand and legal name. The credit union announced in November 2024 that it would become FourLeaf Federal Credit Union, and the rebrand took effect in March 2025. Current financial and legal records identify the organization as FourLeaf, while Bethpage remains its historical name and the name of the Long Island community where its headquarters is located.
FourLeaf is led by Linda Armyn, President and CEO, and remains a member-owned, federally chartered credit union rather than a shareholder-owned bank. Current FourLeaf financial information reported 517,393 members nationwide and $14.2 billion in total assets as of January 31, 2026. Membership is available subject to approval and requires maintaining a $5 savings account, reflecting the cooperative member-owner structure of the institution.
FourLeaf Federal Credit Union
899 South Oyster Bay Road
Bethpage, NY 11714
United States
Current FourLeaf wire-transfer, legal, and membership documents continue to identify 899 South Oyster Bay Road as the credit union’s principal address.
899 South Oyster Bay Road
Bethpage, NY 11714
United States
This remains the central headquarters associated with the institution despite the 2025 name change from Bethpage Federal Credit Union to FourLeaf Federal Credit Union.
For ordinary member correspondence, customers should use the mailing address specified by the applicable FourLeaf product or department. Some specialized operations use separate processing addresses.
Certain payment, dispute, card, check-processing, and digital-service functions use specialized P.O. Box addresses. For example, current account disclosures provide a Glen Burnie, Maryland processing address for certain check-related claims. Customers should follow the exact address stated in the applicable agreement instead of mailing specialized disputes to a branch.
The physical headquarters did not move as part of the rebrand.
The important change is the organization name
Former name: Bethpage Federal Credit Union
Current name: FourLeaf Federal Credit Union
The name change became effective in 2025.
800-628-7070
This is FourLeaf’s primary member and general contact number.
800-628-7070
Monday to Friday: 7:30 AM to 7:00 PM ET
Saturday: 8:00 AM to 2:00 PM ET.
899 South Oyster Bay Road, Bethpage, NY 11714
899 South Oyster Bay Road, Bethpage, NY 11714
FourLeaf does not prominently publish one universal unsecured member-service email for all banking matters. Members should use secure Digital Banking or the official contact channels for account-specific communication.
Credit Union, Retail Banking, Mortgage Lending, Consumer Lending and Business Banking
1941
517,393 members nationwide
Official FourLeaf figure as of January 31, 2026.
$14.2 billion
Official FourLeaf figure as of January 31, 2026.
The headquarters does not publish general public corporate walk-in hours.
General Call Center
Monday to Friday, 7:30 AM to 7:00 PM ET
Saturday, 8:00 AM to 2:00 PM ET.
https://www.fourleaffcu.com/about-us/careers/
FourLeaf savings accounts provide the membership foundation for the credit union. Membership requires opening and maintaining a qualifying $5 savings account, giving the member an ownership interest in the cooperative institution.
FourLeaf provides consumer checking accounts for daily transactions, bill payments, debit-card access, direct deposits, digital transfers, and other routine banking needs.
Money market products allow qualifying members to maintain savings while receiving applicable dividend rates and transaction features according to the account terms.
FourLeaf offers certificate accounts that allow members to commit funds for a defined term in exchange for a stated dividend rate. Rates and available terms change over time.
Eligible checking-account members can receive debit cards for purchases and ATM withdrawals. FourLeaf also provides 24-hour reporting for lost or stolen debit cards.
FourLeaf provides consumer credit-card products for qualifying members. Cards are subject to credit approval, applicable interest rates, account limits, billing terms, and cardholder agreements.
Members can finance qualifying new and used vehicles through FourLeaf. Products may include vehicle-purchase loans and refinancing for loans originally held by another lender.
FourLeaf promotes auto refinancing for borrowers who may be able to reduce their interest rate or monthly payment by transferring an eligible existing auto loan.
The credit union services certain automobile lease arrangements and publishes specialized lease-servicing numbers for payoff and lease-end questions.
FourLeaf provides unsecured personal-loan products for eligible members. Loan rates, terms, maximum amounts, and approval depend on creditworthiness and current lending policies.
FourLeaf provides residential mortgage financing for home purchases and refinancing.
Current Mortgage and Home Equity servicing number
866-399-2586.
Eligible homeowners can access home-equity financing based on available property equity, underwriting requirements, and loan terms.
FourLeaf provides mortgage solutions and educational resources for qualifying first-time homebuyers.
FourLeaf offers banking products for businesses, including business deposit accounts, lending, cash-management tools, and related services.
Current Business Banking phone
855-503-2015.
Digital Banking allows members to manage accounts online and through supported mobile devices. Services include balance review, transfers, payments, digital deposits, and other electronic account functions.
The FourLeaf mobile application gives members access to digital account-management tools from smartphones and tablets.
Remote Deposit Capture allows members to deposit qualifying checks electronically using the mobile application or other supported digital tools.
FourLeaf’s digital Bill Pay service lets members schedule qualifying electronic payments to designated payees.
Supported person-to-person payment capabilities allow eligible members to transfer funds electronically according to FourLeaf’s digital-service terms.
Members can initiate qualifying domestic wires through Online Banking, by telephone, or through a branch.
Current main wire-support number
800-628-7070.
FourLeaf supports outgoing international wires using the recipient bank’s SWIFT and other required information.International wire requests can be submitted through the applicable service channels during stated processing hours.
Members have access to FourLeaf ATMs and qualifying surcharge-free ATMs within the Co-op ATM network, subject to current account and network terms.
800-628-7070
800-628-7070
800-628-7070
800-628-7070
800-628-7070
800-628-7070
Monday to Friday, 7:30 AM to 7:00 PM ET
Saturday, 8:00 AM to 2:00 PM ET.
800-628-7070
866-399-2586
855-503-2015
800-628-7070
Inside the United States
1-866-820-3847
Outside the United States
+1-516-349-6888
Available 24/7.
Inside the United States
800-628-7070
Outside the United States
+1-516-349-6888
Available 24/7.
855-388-9504
800-878-5400 ext. 0.
800-628-7070
800-628-7070
FourLeaf does not publish one universal billing-only department number for every financial product.
Use
800-628-7070
or the specialized loan or credit-card number associated with the account.
No universal regional-office number is published.
Individual FourLeaf branches have their own local contact information.
For lost or stolen cards outside the United States
+1-516-349-6888
Lost or stolen cards
+1-516-349-6888
or the applicable U.S. toll-free card number, available 24/7.
Not applicable.
FourLeaf is a member-owned federal credit union and does not have public shareholders.
A permanent general media telephone number is not prominently published on the main member support page.
FourLeaf does not publish one universal applicant HR number.
https://www.fourleaffcu.com/about-us/careers/
Not applicable.
For most banking and account concerns, call 800-628-7070 during Member Service Center hours. Have your account or membership information, transaction date, amount, merchant or payee name, loan details, and any relevant reference numbers ready. Do not send passwords, one-time authentication codes, or sensitive account credentials through ordinary email. If the issue involves a specific branch transaction, contacting the branch where it occurred can be faster than starting with headquarters.
Mortgage and home-equity servicing questions should go directly to 866-399-2586, while business customers can use 855-503-2015. Lost or stolen credit cards have a dedicated 1-866-820-3847 line, and cardholders outside the United States can call +1-516-349-6888. Fraud involving a member account should be reported immediately through 800-628-7070 so the credit union can review transactions and take security action where appropriate.
If an ordinary service representative cannot resolve the issue, ask that the case be escalated to a supervisor, branch manager, lending specialist, card team, fraud team, or another department with authority over the disputed transaction. Keep a written timeline and request copies of any decision letters, claim determinations, or dispute outcomes.
Complaints can involve deposit accounts, fees, electronic transfers, loans, mortgages, credit cards, debit cards, fraud, wire transfers, branch interactions, account restrictions, or digital-banking problems. Before escalating, gather statements, transaction details, correspondence, loan documents, screenshots, dispute notices, and the names and dates of previous representatives contacted.
Begin with FourLeaf Member Services at 800-628-7070. Explain the issue clearly, identify the account or product involved, and give the transaction date and amount where relevant. Ask the representative to document the complaint and provide a case or reference number. If the issue involves unauthorized activity, a lost card, or suspected fraud, report it immediately rather than waiting for a routine complaint review.
Use the department responsible for the disputed product. Mortgage and Home Equity servicing is available at 866-399-2586, Business Banking at 855-503-2015, credit-card loss reporting at 1-866-820-3847, and general fraud or digital-banking assistance through 800-628-7070. Product-specific teams usually have access to documentation and servicing systems that the general call center may not.
If the first-line representative cannot resolve the complaint, request a supervisor, branch manager, loan-servicing manager, fraud specialist, or other appropriate management review. Explain prior contacts and identify exactly what remains disputed. Ask for the credit union’s decision in writing when the complaint involves a denied transaction claim, lending decision, disputed fee, mortgage servicing issue, or another matter where documentation is important.
Submit the complaint in writing through FourLeaf’s secure member communication process or the written address identified in the governing account or loan agreement. Include your member information, account type, transaction dates, amounts, prior case numbers, and requested outcome. Certain disputes have specific addresses and deadlines, so follow the account agreement rather than assuming that every written complaint should go to the headquarters.
For a serious unresolved issue, correspondence can be directed to FourLeaf Federal Credit Union, 899 South Oyster Bay Road, Bethpage, NY 11714. Include a clear chronology and copies of supporting documents. Do not send original checks, identification documents, or irreplaceable records. Use a traceable mailing method if proof of submission may later be important.
Certain account agreements provide specific dispute procedures. FourLeaf’s current arbitration agreement states that account-related claims should first go through an informal settlement process involving a written exchange describing the claim, its basis, and requested relief, followed by a good-faith meeting before unresolved claims move further into the contractual dispute process. Customers should review the agreement governing their account because procedural requirements can differ by product.
FourLeaf is a federally chartered credit union regulated by the National Credit Union Administration. Consumers with unresolved credit-union complaints can use the NCUA Consumer Assistance Center, which can be reached at 800-755-1030. The NCUA process is designed to route eligible complaints for attempted credit-union resolution and regulatory review when necessary.
Depending on the complaint, members may also contact the Consumer Financial Protection Bureau, their state Attorney General, payment network, card issuer dispute system, or another applicable financial regulator. The NCUA specifically directs complaints about accounts and loans at federally insured credit unions to its Consumer Assistance Center, while other financial issues may fall within another agency’s jurisdiction.
FourLeaf’s current consumer-account agreement includes an arbitration and class-action-waiver provision for certain claims after the required informal settlement steps. Before initiating arbitration or litigation, read the agreement that governs the specific account, loan, card, or service involved because legal rights, deadlines, notice obligations, and available forums can vary. For high-value or complex disputes, obtaining independent legal advice may be appropriate.
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