FourLeaf Federal Credit Union logo

FourLeaf Federal Credit Union in New York, NY

3.2/5
Google rating from 120 reviews

FourLeaf Federal Credit Union is a full-service credit union offering personal and business banking, lending, mortgages, and investment services with branches in New York City.

Data compiled from public sources · Google rating shown when a stored review count is available

FourLeaf Federal Credit Union Review

FourLeaf Federal Credit Union operates as a comprehensive financial institution providing banking and lending services to both personal and business customers. The credit union maintains a physical presence in Chelsea, New York City, and serves members through multiple channels including digital banking platforms. The institution offers a broad range of personal banking services including checking and savings accounts, certificates of deposit, money market accounts, and IRAs.

On the lending side, they provide auto loans, personal loans, credit cards, student loan refinancing, and comprehensive home lending products including mortgages, refinancing, and home equity lines of credit. For business customers, FourLeaf FCU provides dedicated business checking and savings accounts, business lending including term loans and commercial real estate financing, and payment processing solutions. FourLeaf FCU distinguishes itself through integrated wealth management and investment services via FourLeaf Financial Group, offering guided wealth portfolios, college planning, retirement planning, and insurance products including auto, homeowners, and life insurance.

They provide comprehensive digital banking capabilities with online banking, mobile banking, and virtual appointment services. The credit union also emphasizes financial education through free seminars, webinars, and learning centers covering auto purchases, credit, savings, mortgages, and HELOCs, plus access to credit counseling services. As a credit union operating under routing number 221473652, FourLeaf FCU is member-owned and subject to cooperative banking principles.

Customers should contact the institution directly at 1-800-628-7070 to understand membership requirements and current product offerings.

Services & Features

Auto loans and personal loans
Business checking and savings accounts
Business lending (term loans, lines of credit, commercial real estate lending, business auto loans, business credit cards)
Business payment solutions (Zelle for business, credit card processing, remote deposit capture)
Credit cards (personal and business)
Digital banking (online banking, mobile banking, Zelle, virtual appointments)
Home lending (mortgages, refinancing, home equity lines of credit, pre-qualification)
Insurance products (auto, homeowners, life insurance, debt protection)
Investment and wealth management services (guided portfolios, college planning, retirement planning)
Personal checking accounts (free checking and student checking)
Personal savings products (savings accounts, money market accounts, certificates, IRAs)
Student loan refinancing

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Comprehensive product suite spanning personal and business banking, lending, mortgages, and investment services
  • Integrated investment and wealth management through FourLeaf Financial Group with guided portfolios and retirement planning
  • Full digital banking suite including online banking, mobile banking, and virtual appointment services with Zelle integration
  • Extensive financial education resources including free seminars, webinars, and learning centers for auto, credit, mortgages, and HELOCs
  • Dedicated business banking division with listed lending products including commercial real estate financing and payment solutions
  • Member access to credit counseling and fraud/security resources
  • Physical branch presence in Chelsea, New York City for in-person service

Cons

  • Website does not display current interest rates, APRs, or fee schedules for any products
  • Specific membership eligibility requirements and minimum balance information not provided
  • Limited geographic presence information — only Chelsea branch mentioned on provided content
  • No details on loan approval timelines, processing fees, or product-specific terms and conditions visible

Consumer Complaint Record

FourLeaf Federal Credit Union received 240 consumer complaints in the past 12 months. All complaints received a timely response from the company.

240

Complaints (12 months)

0.0%

Resolved with relief

Declining

Complaint trend

Most Common Complaint Categories

Trouble during payment process
22.6%
Managing an account
17.2%
Incorrect information on your report
16.9%

Source: Consumer Financial Protection Bureau

State Consumer Finance Context

This is state-level context for Credit Unions consumers in New York, NY. It does not confirm that FourLeaf Federal Credit Union or this specific location is licensed.

State regulator

New York Department of Financial Services

Key state rules to check

  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does FourLeaf Federal Credit Union offer?

FourLeaf Federal Credit Union offers 12 services including Personal checking accounts (free checking and student checking), Personal savings products (savings accounts, money market accounts, certificates, IRAs), Auto loans and personal loans, Credit cards (personal and business), Home lending (mortgages, refinancing, home equity lines of credit, pre-qualification), and 7 more.

What profile signals are listed for FourLeaf Federal Credit Union?

FourLeaf Federal Credit Union has profile signals associated with New York City-area residents and businesses seeking full-service banking with in-person branch access, Customers interested in integrated wealth management and investment services alongside traditional banking, Small business owners needing dedicated business banking, lending, and payment processing solutions, Members prioritizing digital banking convenience combined with comprehensive financial education resources.

What are the strengths and weaknesses of FourLeaf Federal Credit Union?

Key strengths: Comprehensive product suite spanning personal and business banking, lending, mortgages, and investment services; Integrated investment and wealth management through FourLeaf Financial Group with guided portfolios and retirement planning; Full digital banking suite including online banking, mobile banking, and virtual appointment services with Zelle integration. Areas to consider: Website does not display current interest rates, APRs, or fee schedules for any products; Specific membership eligibility requirements and minimum balance information not provided.

How does FourLeaf Federal Credit Union compare to similar companies?

In the Credit Unions category, comparable providers include Baylor Health Care System Credit Union, One Detroit Credit Union, USC Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

CreditDoc Profile Note

Research Note on FourLeaf Federal Credit Union

FourLeaf Federal Credit Union is profile signals for New York City-area consumers and businesses seeking comprehensive, integrated banking and lending services with digital convenience and in-person support. The primary caveat is that detailed product terms, current rates, eligibility requirements, and fee structures are not publicly available on the website—prospective members must contact the institution directly for specific product information before joining.

Profile Signals

  • New York City-area residents and businesses seeking full-service banking with in-person branch access
  • Customers interested in integrated wealth management and investment services alongside traditional banking
  • Small business owners needing dedicated business banking, lending, and payment processing solutions
  • Members prioritizing digital banking convenience combined with comprehensive financial education resources
Updated 2026-04-29

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Quick Summary

  • FourLeaf Federal Credit Union is listed as a Credit Unions provider in New York, NY on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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