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First, the fact that most search results still get wrong: Bethpage Federal Credit Union is now FourLeaf Federal Credit Union. The Long Island institution announced the rebrand in late 2024 and made the change in early 2025, so if you searched for Bethpage and landed on FourLeaf, nothing is broken, it is the same credit union with a new name. More useful still, membership stayed effectively open through the rebrand: as of 2026, any US citizen or permanent resident with a valid Social Security number can join by opening a savings account with five dollars, regardless of where in the country they live.
That open membership makes this one of the few New York based credit unions worth a look from anywhere in the US. But open doors are not the same as best pricing, and a single credit union still hands you a single quote. The sensible approach is unchanged: if the FourLeaf brand and model appeal to you, get its refinance number, then benchmark it against a multi-lender comparison run the same day. Five dollars is a cheap membership, but the wrong rate on a five-year loan is an expensive one.
What it does well
- Open membership: any US citizen or permanent resident can join
- Five dollar savings deposit is the only membership cost
- Established Long Island institution behind the new FourLeaf name
Where it gives ground
- The Bethpage to FourLeaf rebrand still confuses search results and reviews
- One lender, one quote, no built-in market comparison
- Branch presence is concentrated in New York, so most members are remote
Yes, under its new name. The credit union formerly known as Bethpage, now FourLeaf Federal Credit Union, offers auto refinancing to members as part of its standard lending lineup. The product did not disappear in the rebrand, and neither did the membership base.
If you hold paperwork, statements, or an old loan that says Bethpage, it is the same institution. The rename to FourLeaf was announced in late 2024 and took effect in early 2025.
As of 2026, membership is available to any US citizen or permanent resident with a valid Social Security number who opens a savings account with a five dollar deposit. There is no geographic requirement, which historically made Bethpage a fixture on lists of credit unions anyone can join, and that openness carried through the FourLeaf rebrand.
Membership terms are set by the credit union and can change, so confirm the current requirements on fourleaffcu.com before applying. The five dollar share balance is what keeps the membership active.
Benchmark FourLeaf against the whole market
Compare my rate nowThe name, the logo, and the domain changed. The charter, the membership, and the product lineup carried over. Rebrands like this one often generate confusion that shows up in search results for years, with old reviews referencing Bethpage and new pages referencing FourLeaf as if they were different institutions. They are not.
For a refinance shopper the practical impact is small: apply on the FourLeaf site, and expect older third-party reviews and rate discussions to appear under the Bethpage name. Judge the institution on current terms, not stale listings.
An open-membership credit union with a five dollar entry cost is a low-risk institution to price. Get the FourLeaf quote if the model appeals to you. Then run the same payoff, term, and vehicle through a comparison flow that prices multiple lenders at once with a soft pull.
If FourLeaf wins, join and take the rate. If a specialist or another credit union beats it, you have your answer before committing to anything. Either way the decision took minutes and cost nothing.
Bethpage makes sense if
- Borrowers anywhere in the US who want an open-membership credit union
- New York metro borrowers who want branches with their loan
- People comfortable confirming the FourLeaf transition details themselves
Look elsewhere if
- Anyone who wants several competing offers from one application
- Borrowers who need heavy in-person service outside New York
- People who confuse rebrands with red flags and will not get past the name
Frequently asked questions
Does Bethpage refinance car loans?
Yes, under its new name FourLeaf Federal Credit Union. The former Bethpage FCU rebranded in early 2025 and continues to offer auto refinancing to members.
Is Bethpage the same as FourLeaf?
Yes. Bethpage Federal Credit Union announced its rebrand to FourLeaf Federal Credit Union in late 2024 and made the change in early 2025. Same institution, same membership, new name.
Who can join FourLeaf (formerly Bethpage)?
As of 2026, any US citizen or permanent resident with a valid Social Security number can join by opening a savings account with a five dollar deposit, with no geographic requirement. Confirm current terms on fourleaffcu.com.
Do I have to live in New York to join?
No. Membership is open nationwide as of 2026. Branch presence is concentrated in New York, so members elsewhere use online and phone servicing.
Should I refinance with a credit union or a specialist?
Whichever gives you the lower total cost. Credit unions often price sharply but quote alone; specialists compete across lenders. Comparing both on the same day with a soft pull settles it for your specific loan.
