FourLeaf Federal Credit Union Avis 

Working with Ms. Candice Minott Stowe was a wonderful experience. She is quite knowledgeable, jovial and professional. All of the tasks that required her expertise were completed with incredible precision. We would definitely work with her again in a heartbeat.

Don't just walk away from this credit union, run! I opened a HELOC with them and it has turned into a nightmare. Without consent, they puchased a 1000 hazard policy saying they couldn't verify my insurannce. I have maintained a zero balance on the HELOC for years and my insurance policy was continuously maintained. Due to an internal error on their end they didn't verify it and went for the cash grab. I've been jumping through circus hoops proving that this policy was unnessecary. By law they must refund it but in the meantime they are marking it as 'late' and jeaopardizing my credit rating. it has also been impossible to get through to someone. (You can get through to customer service, but they'll tell you they can't do anything and to contact the insurance department, which is unreachable.) Calling the number on their letter just results in an automated loop and sending an email also results in an auto reply. I wish I would have done more research before falling for an attractive rate (that didn't last!). My next stop will be opening a case with the regulating bodies

The bank is extremely antiquated and it’s very difficult to pay or draw from your HELOC. Online banking is horrible, you may not make online transfers from your loan account and have to write a paper check, but it takes several days for the check to clear even though the funds are quickly withdrawn from your account. Transfers into your HELOC to pay it down take several days. It’s almost as though they are slowing down your ability to draw to preserve money and your ability to pay to collect interest.

This is a bad organization. The transition to four leaf was terrible. Good luck finding a number and a person to help. The app is lousy..it is had to make additional payments. I would never use this bank again.

I secured a mortgage from Bethpage Federal Credit Union. It was a friendly neighborhood branch, and Joe, who handled my mortgage was wonderful. I used to receive a small calendar from him every year. When the name was changed to Four Leaf, everything changed and not for the better. The credit managers at the credit union decided they wanted to save overhead and not deal with servicing mortgages, so we were thrown to the wolves, and we are now stuck with Cenlar. A fast search on Google will indicate the horribly low customer service ratings Cenlar gets. The credit managers at the credit Union absolutely must have known this. I am outraged that I was pawned off and now get egregiously bad service from Cenlar so Four Leaf could save on overhead. This is not what I bargained for when I secured my mortgage nine years ago. No calendars from Joe.

Four Leaf is a much diminished and much less admirable company. Find a better credit union. Stay clear of Four Leaf.

Jacklyn was knowledgeable and communicate well with her customers. After the previous rep. put me on hold and wasn't patient in explaining the accounts I had just opened, I got Jacklyn on the phone with me. She went above and beyond to ensure all went well. Besides explaining the two accounts I had just opened, she further helped me with opening the check account which I was initially wanted but didn't quiet know about how exactly it works. she is the best banking customer service I ever have.

Diana Hanna was polite and friendly. She went above and beyond to ensure all went well. Overall, it was a great experience!

Great personal interaction. Quick friendly service

I have never had the displeasure to speak with such a vast group of incompetents! Customer Service Representatives” in particular the leasing department. I called, left about 10 detailed voicemails with no response. Called, waited 20-45min on hold and then someone answers and hangs up. Call back, leave message….did this for 4 months trying to get an itemized bill so I could pay them. The few times I did get through I received a different payoff amount. Went to the local branch. They tried to help but did not get a call back either! The manager entered a complaint and voila I got a call today. I attempted to discuss the added fees; late; interest and sales tax that should be removed from the final bill and was told and I quote “pay the bill today or we will charge it off!” Really. So now I will attempt to get those fees refunded..
Would not recommend this bank to anyone. Beyond frustrated.
Well it’s been a week now that Four Leaf has been reviewing the additional charges on my account and as expected; no follow up..so disappointing..

I was opening a new CD with Mr. John Fetherstone, he was knowledgeable, polite and very helpful. I am using 4Leaf over other FCUs because of the positive customer service I have always received at 4Leaf

My last visit was absolutely amazing. Despite some of the associates being out to lunch, I was called in quickly.

This people are the worst. Rude, unprofessional and never able to resolve any issues.

I have opened up a few cd and money market accounts here and have always had a positive experience. They have good interest rates and have liquid accounts where you have access to your money while getting good interest. I don't have to wait long and the people are helpful and nice.

bank calls me five times they want car lease disposition fee dealership has already paid it oops they say were sorry bank calls me up two times they want car back dealership has already returned it oops they say were sorry now call after call they want 53dollars to close the account dealership says they called for a final payoff and sent exactly what they asked for and the saga continues

When applying for a HELOC (2nd mortgage), I worked with professionals at Bethpage FCU, and was therefore impressed with the company. The company changed names to 4Leaf during this time.
AFTER closing on the loan (and spending it as was needed), all online customer service disappeared and turned over to untrained AI. And I get a letter informing me that I need an extra $1000/year flood insurance which was a new law SEVERAL YEARS AGO. Several years ago and they tell me about it now? I would have realized I could not afford this loan and not gone through with it (the monthly insurance payment is about 3 times my monthly loan payment!!!

To rub my face in it, they refuse to accept my request to open an escrow account. FEMA evidently doesn't like dealing with people directly, and AFTER I pay there seems to be no notice to 4Leaf, becuase 4Leaf then writes me nasty letters about paying it and buying more expensive insurance. They have done this twice! Then they need to cancel their own insurnace when they discover thei mistake/error f-up (and trying to get them educated in this problem is impossible).

No (desperately needed) customer service after-the-fact! I can't even find a department with someone that will act or make any decision.

There ought to be a broken law for these kinds of business actions. Run away from this company; I wish I could.

Been a member for many years. Have nothing but positive feedback for any / all team members of Four Leaf.

I would like to specifically state Kurt Bogdahn and his team over at the Farmingdale Branch are amazing and continued to go above and beyond with my most recent Auto Loan and Refi of an existing Auto Loan.

Well done meeting.

Fourleaf Federal Credit Union is the worst so-called financial institution. Do not use their services. Withdraw your funds and bank elsewhere.

BEWARE, ESCROW ANALYSIS and Insufficient funds. For a lot of us who were formally from Bethpage, after the transfer to fourleaf, they made an extra payment towards my "property taxes" soon after the transfer in July. The thing is, Taxes get charged April and Oct. I already paid April but they charged me in July and now informed me that it was a mistaken payment... My payments wouldve went up a couple of hundred dollars and they kept ignoring my clear logic around why my escrow balance should not be insufficient because I've actually been paying extra to offset and low escrow balance issues. The rep tried to make me feel like I didn't understand the issue when I own several pieces of real estate, am in real estate and understand how mortgages work well... I made a spreadsheet and clearly showed evidence there was money missing. I even asked for my escrow history report and they said they'd get it to me by the following monday, Monday came, nothing. I called back, they said Bethpage is slow so call back at the latest on the 25th which was over a week later.. Called back, they still don't have it. Honestly, I might report this to the FTC or CFPB if this is a common occurance.

Great service and respect. Highly recommend Brandon at the Levittown branch. Very respectful and courteous and spends the effort to complete any requests made from clients and customers.