Bethpage Federal Credit Union

What Bethpage Federal Credit Union does

FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union) is a federally chartered, member-owned financial cooperative headquartered at 899 S. Oyster Bay Road, Bethpage, New York, founded in 1941 and operating primarily across the Long Island and Northeast United States market. The institution provides a full spectrum of retail and commercial banking products — including free and student checking accounts, savings, money market, certificates, IRAs, mortgages and HELOCs, auto loans, personal loans, credit cards, student loan refinancing, business checking and savings, business lines of credit, term loans, commercial real estate lending, merchant services, and wealth management via FourLeaf Financial Group and Guided Wealth Portfolios. Deposit products are federally insured by the NCUA up to $250,000 per member, the institution holds NMLS ID 449104, and Equal Housing Lender status. Membership requires opening a minimum $5.00 share savings account.

The cooperative generates revenue primarily through net interest spread between loan yields (auto loans start at 5.53% APR for new vehicles and 5.88% APR for used) and deposit rates (11-month certificates at 3.00% APY, student savings at 5.00% APY on first $1,000), supplemented by transaction-based fees and merchant services revenue from business customers. Distribution combines physical branches and ATMs across the Northeast region with a digital banking platform comprising an online banking portal, the bp-banking mobile application on iOS and Android (supporting mobile check deposit, Zelle P2P payments, and card management), virtual video/phone appointments, and a Bank at Work employer partnership program for workplace-based acquisition.

Customer acquisition is direct-to-consumer and direct-to-business through membership enrollment, with marketing channels spanning community events (notably the FourLeaf Air Show at Jones Beach), financial education content (Auto, Mortgage, HELOC, Credit and Savings learning centers, free seminars and webinars), social media (Facebook, LinkedIn, Instagram, YouTube), email newsletters, and digital banking demos. In 2025 the institution rebranded from Bethpage Federal Credit Union to FourLeaf Federal Credit Union as part of a brand identity initiative, and was certified as a Great Place to Work. Wayne Grosse serves as President and Chief Executive Officer.

Name

Bethpage Federal Credit Union

Legal name

FourLeaf Federal Credit Union

Website

https://bethpagefcu.com

Company type

Private

Founded year

1941

Operating status

Operating

Headcount range

501–1,000 employees

Short description

FourLeaf Federal Credit Union, a federally insured New York-based member-owned cooperative, provides retail and commercial banking including deposits, mortgages, auto loans, and wealth management across Long Island and the Northeast US via branches and digital channels.

Ownership category

akta.pro rank

Product category

Credit Union Retail Banking

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Consumer banking services
• Mortgage lending
• Business banking
• Wealth management
• Deposit accounts

Headquarters

HQ city

Bethpage

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Interest Income from Lending: Traditional credit union revenue generated from interest on loans including auto loans, mortgages, home equity lines of credit, personal loans, business loans, and credit cards. Interest rates vary by product and creditworthiness.
2. Deposit Services: Revenue from offering deposit accounts including checking, savings, certificates, money market accounts, and IRAs. Generates income through spread between loan interest rates paid and deposit interest rates offered.
3. Fee-based Services: Various banking fees including potential overdraft fees, ATM fees, wire transfer fees, and other service charges. Also includes merchant services for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Bethpage Federal Credit Union is a federally insured, member-owned cooperative providing retail banking products and services to individuals and small businesses. Core offerings include deposit accounts, consumer and business lending, residential mortgage origination, and wealth management solutions.

Product overview

FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union) offers a comprehensive banking platform organized into personal banking, business banking, home lending, loans, and wealth management services. The core product portfolio includes checking and savings accounts (Free Checking, Student Checking, Certificate Accounts, Money Market, IRA, Student Savings), home lending products (Mortgages, HELOC, Refinancing), consumer loans (Auto, Personal, Student Loan Refinancing, Credit Cards), and digital banking (Online and Mobile Banking with Zelle integration). Business services include specialized checking, savings, money market accounts, business lending, CRE Lending, and merchant services. Wealth management is provided through FourLeaf Financial Group with Guided Wealth Portfolios for digital investment advice, plus insurance products. The unified platform connects these product lines through shared digital banking channels, allowing cross-selling and integrated account management across personal and business banking.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Deposit accounts and personal banking services for individual members.
• Business Banking Deposit, lending, and cash management products for small business members.
• Home Lending Residential mortgage and home equity lending products for members.
• Consumer Loans Personal lending products for individual members.
• Wealth Management Investment and advisory services supporting members' financial planning needs.

Quantifiable outcome

• New Auto Loan rates as low as 5.53% APR for qualified borrowers
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Boeing Employees Credit Union (BECU): Large federally chartered member-owned credit union offering comparable full-service consumer and business banking (deposits, mortgages, auto, HELOC, wealth) across a defined regional community — directly comparable in structure and product mix to Bethpage/FourLeaf FCU.
• SchoolsFirst Federal Credit Union: Federally chartered, community-defined credit union offering personal deposits, mortgages, auto loans, and wealth management with regional concentration — similar in mission, cooperative structure, and breadth of services to Bethpage FCU.
• Connexus Credit Union: Mid-to-large federal credit union offering a comparable full product menu (checking, savings, mortgages, auto, business banking, wealth) with multi-channel distribution — comparable in scale and breadth of offering to Bethpage FCU.
• Digital Federal Credit Union (DCU): Federally chartered community credit union providing personal and business banking, mortgages, auto loans, and digital-first channels — closely mirrors Bethpage's product mix and multi-channel distribution model.
• Alliant Credit Union: Federally chartered, digital-first credit union serving a broad nationwide membership with full personal banking and lending products — directly comparable as a federally insured member-owned cooperative competing on product breadth and digital experience.
• Service Credit Union: Federally chartered community-defined credit union offering consumer banking, mortgages, auto loans, business banking, and digital channels — comparable in cooperative structure and product breadth.
• First Tech Federal Credit Union: Federally chartered, community-defined credit union serving a defined employer/organization membership with full personal and business banking, lending, and digital platform — structurally and operationally analogous to Bethpage FCU.

Broad incumbents

• Navy Federal Credit Union: Largest US credit union, federally chartered, offering the same core products (deposits, mortgages, auto, business) at much greater scale — a broad incumbent peer that benchmarks the upper bound of what a federally chartered cooperative franchise can become.
• Discover Bank: Large direct/online bank offering high-yield savings, certificates, personal loans, and credit cards — competes with Bethpage for consumer deposit and loan share in the same digitally-led retail banking category.

Emerging players

• Ally Financial: Direct bank offering high-yield deposits, mortgages, auto loans, and wealth management with no physical branches — competes for the same digitally native members as Bethpage FCU on deposit rates and digital UX.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@fourleaffcu
• Facebookfacebook.com/lovebethpage
• LinkedInlinkedin.com/company/fourleaffcu
• Instagraminstagram.com/fourleaffcu
• Xx.com/LoveBethpage

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bethpage Federal Credit Union