FourLeaf Federal Credit Union on Your Credit Report
In short: FourLeaf Federal Credit Union is a federally insured credit union headquartered in Bethpage, NY, chartered in 1941 under NCUA charter number 4735. It reports 527,355 members and $14,423,897,715 in total assets. It was long known as Bethpage Federal Credit Union and serves the New York metropolitan area, particularly Long Island. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who FourLeaf actually is
Who actually issues this credit
FourLeaf is a credit union, not an FDIC-insured bank, so it holds no FDIC certificate. The NCUA records it as charter number 4735 (FCU), chartered in 1941 and headquartered in Bethpage, NY. Member deposits at federally insured credit unions are insured by the NCUA's Share Insurance Fund rather than the FDIC.
What makes this creditor different
FourLeaf holds NCUA charter 4735, chartered in 1941, and reported 527,355 members and $14,423,897,715 in assets to the NCUA — a member-owned institution rather than a shareholder-owned bank, which is why it carries no FDIC certificate. The CFPB logged 14 credit-card complaints naming it since January 2025, led by a disputed purchase on a statement (4).
How FourLeaf appears on your credit report
FourLeaf furnishes tradelines to the bureaus exactly as a bank does, and your FCRA dispute rights are identical. The structural difference is membership: this is a FCU serving community credit unions, with 527,355 members reported to the NCUA, and one membership can carry several linked products — a share-secured card, an auto loan and a personal loan — that each report as a separate tradeline. Because this credit union rebranded from Bethpage, a tradeline can carry either name, and the same account appearing under both at once is a duplicate worth disputing. When disputing, identify the specific account rather than the member number, because one member number can map to several tradelines.
Names it may report under
Products that commonly show up
- ◆Credit union credit card accounts
- ◆Auto loans
- ◆Personal and share-secured loans
- ◆Mortgages and home equity lines
What consumers report to the CFPB
These are counts of complaints filed with the Consumer Financial Protection Bureau about credit cards, from the CFPB's public complaint database. They describe the company's complaint history — they are not a prediction about any individual account.
Source: CFPB Consumer Complaint Database, product “Credit card”, company “FourLeaf Federal Credit Union”. Snapshot retrieved 2026-10-17. Complaint counts change over time.
Grounds to dispute a FourLeaf entry
Each of these is a reason a FourLeaf tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account still reporting under the legacy Bethpage Federal Credit Union name
- ◆Share-secured loan reported without reflecting the pledged share balance
- ◆Auto loan status unchanged after payoff
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
FourLeaf Federal Credit Union is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, FourLeaf Federal Credit Union has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send FourLeaf Federal Credit Union a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
FourLeaf Federal Credit Union questions, answered
Is FourLeaf FDIC-insured?
No — and that is normal for a credit union rather than a red flag. Credit unions are insured by the National Credit Union Administration's Share Insurance Fund, not the FDIC. The NCUA lists FourLeaf under charter number 4735, a FCU chartered in 1941. No FDIC certificate is asserted on this page because none exists for a credit union.
How big is FourLeaf?
According to the NCUA's own credit-union records, FourLeaf reports 527,355 members and $14,423,897,715 in total assets, operating from Bethpage, NY. Those figures come from the NCUA's published call-report data, not from the credit union's marketing.
What do people complain to the CFPB about most with FourLeaf?
Since January 2025 the CFPB's public database records 14 credit-card complaints naming FourLeaf, the largest category being "Problem with a purchase shown on your statement" (4). That is a small volume in absolute terms; it is published here as a public statistic about the institution, not as a prediction about your account. Snapshot taken 2026-10-17.
How do I dispute a FourLeaf tradeline?
Dispute with the three bureaus under FCRA §611 and directly with FourLeaf as the furnisher under FCRA §623. Credit unions are furnishers with the same accuracy obligations as banks. Send it in writing, identify the exact account, and keep copies. Results depend on what the credit union can verify.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by FourLeaf Federal Credit Union; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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