Fourleaf Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Fourleaf Federal Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 60-month CD ($50 minimum). That is 2.9 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.00% to 4.15% APY.
Tracking began .
Fourleaf Federal Credit Union CD & share certificate rates
Fourleaf Federal Credit Union was formerly Bethpage Federal Credit Union. Membership required. Share certificates from 3 to 60 months, including an 8-month promotional certificate. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate | $50 | 1.00% | −3.29% | Top 81% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate | $50 | 1.25% | −3.15% | Top 87% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 Month Certificate | $50 | 1.25% | −3.18% | Verified October 22, 2026 |
| 8 months | 8 Month Promotional Certificate Promotional | $50 | 4.00% | −0.45% | Verified October 22, 2026 |
| 8 months | 8 Month Certificate | $50 | 1.75% | −2.70% | Verified October 22, 2026 |
| 9 months | 9 Month Certificate | $50 | 1.25% | −3.23% | Top 93% of tracked 9-month CDs · Verified October 22, 2026 |
| 10 months | 10 Month Certificate | $50 | 1.25% | −3.26% | Verified October 22, 2026 |
| 11 months | 11 Month Certificate | $50 | 3.00% | −1.54% | Verified October 22, 2026 |
| 12 months | 12 Month Certificate | $50 | 1.25% | −3.32% | Top 89% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 Month Certificate | $50 | 4.00% | −0.60% | Verified October 22, 2026 |
| 18 months | 18 Month Certificate | $50 | 1.25% | −3.47% | Top 91% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Certificate | $50 | 1.25% | −3.62% | Top 90% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30 Month Certificate | $50 | 1.25% | −3.66% | Verified October 22, 2026 |
| 36 months | 36 Month Certificate | $50 | 1.25% | −3.70% | Top 88% of tracked 36-month CDs · Verified October 22, 2026 |
| 39 months | 39 Mo 'Bump Up' Certificate | $50 | 1.25% | −3.71% | Verified October 22, 2026 |
| 48 months | 48 Month Certificate | $50 | 1.25% | −3.73% | Top 87% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate | $50 | 4.15% | −0.86% | Top 16% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (8 months). The standard rate for a similar term is 1.75% APY (8 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $225 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Fourleaf Federal Credit Union's best CD rates by term?
Fourleaf Federal Credit Union's best rate is 4.15% APY on 60 months, verified October 22, 2026.
- 3 mo1.00%
- 6 mo1.25%
- 7 mo1.25%
- 8 mo4.00%
- 9 mo1.25%
- 10 mo1.25%
- 11 mo3.00%
- 12 mo1.25%
- 13 mo4.00%
- 18 mo1.25%
- 24 mo1.25%
- 30 mo1.25%
- 36 mo1.25%
- 39 mo1.25%
- 48 mo1.25%
- 60 mo4.15%
How much interest could a Fourleaf Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,254.52 interest · $12,254.52 at maturity on $10,000.00.
4.15% APY · 60 months · 60 Month Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $12.421.00% APY · 3 Month Certificate · Standard | $24.841.00% APY · 3 Month Certificate · Standard | $62.101.00% APY · 3 Month Certificate · Standard | $124.191.00% APY · 3 Month Certificate · Standard |
| 6 months | $31.241.25% APY · 6 Month Certificate · Standard | $62.481.25% APY · 6 Month Certificate · Standard | $156.191.25% APY · 6 Month Certificate · Standard | $312.391.25% APY · 6 Month Certificate · Standard |
| 7 months | $36.381.25% APY · 7 Month Certificate · Standard | $72.761.25% APY · 7 Month Certificate · Standard | $181.891.25% APY · 7 Month Certificate · Standard | $363.781.25% APY · 7 Month Certificate · Standard |
| 8 months | $132.284.00% APY · 8 Month Promotional Certificate · Promotional | $264.554.00% APY · 8 Month Promotional Certificate · Promotional | $661.384.00% APY · 8 Month Promotional Certificate · Promotional | $1,322.764.00% APY · 8 Month Promotional Certificate · Promotional |
| 9 months | $46.851.25% APY · 9 Month Certificate · Standard | $93.691.25% APY · 9 Month Certificate · Standard | $234.231.25% APY · 9 Month Certificate · Standard | $468.451.25% APY · 9 Month Certificate · Standard |
| 10 months | $52.001.25% APY · 10 Month Certificate · Standard | $104.001.25% APY · 10 Month Certificate · Standard | $260.001.25% APY · 10 Month Certificate · Standard | $520.011.25% APY · 10 Month Certificate · Standard |
| 11 months | $137.503.00% APY · 11 Month Certificate · Standard | $275.013.00% APY · 11 Month Certificate · Standard | $687.523.00% APY · 11 Month Certificate · Standard | $1,375.033.00% APY · 11 Month Certificate · Standard |
| 12 months | $62.501.25% APY · 12 Month Certificate · Standard | $125.001.25% APY · 12 Month Certificate · Standard | $312.501.25% APY · 12 Month Certificate · Standard | $625.001.25% APY · 12 Month Certificate · Standard |
| 13 months | $216.794.00% APY · 13 Month Certificate · Standard | $433.584.00% APY · 13 Month Certificate · Standard | $1,083.954.00% APY · 13 Month Certificate · Standard | $2,167.904.00% APY · 13 Month Certificate · Standard |
| 18 months | $94.131.25% APY · 18 Month Certificate · Standard | $188.261.25% APY · 18 Month Certificate · Standard | $470.651.25% APY · 18 Month Certificate · Standard | $941.291.25% APY · 18 Month Certificate · Standard |
| 24 months | $125.781.25% APY · 24 Month Certificate · Standard | $251.561.25% APY · 24 Month Certificate · Standard | $628.911.25% APY · 24 Month Certificate · Standard | $1,257.811.25% APY · 24 Month Certificate · Standard |
| 30 months | $157.811.25% APY · 30 Month Certificate · Standard | $315.611.25% APY · 30 Month Certificate · Standard | $789.031.25% APY · 30 Month Certificate · Standard | $1,578.061.25% APY · 30 Month Certificate · Standard |
| 36 months | $189.851.25% APY · 36 Month Certificate · Standard | $379.711.25% APY · 36 Month Certificate · Standard | $949.271.25% APY · 36 Month Certificate · Standard | $1,898.541.25% APY · 36 Month Certificate · Standard |
| 39 months | $205.951.25% APY · 39 Mo 'Bump Up' Certificate · Standard | $411.901.25% APY · 39 Mo 'Bump Up' Certificate · Standard | $1,029.761.25% APY · 39 Mo 'Bump Up' Certificate · Standard | $2,059.521.25% APY · 39 Mo 'Bump Up' Certificate · Standard |
| 48 months | $254.731.25% APY · 48 Month Certificate · Standard | $509.451.25% APY · 48 Month Certificate · Standard | $1,273.631.25% APY · 48 Month Certificate · Standard | $2,547.271.25% APY · 48 Month Certificate · Standard |
| 60 months | $1,127.264.15% APY · 60 Month Certificate · Standard | $2,254.524.15% APY · 60 Month Certificate · Standard | $5,636.304.15% APY · 60 Month Certificate · Standard | $11,272.614.15% APY · 60 Month Certificate · Standard |
How Fourleaf Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 51 of 309 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Fourleaf Federal Credit Union (this institution)60 Month Certificate · Standard | 60 months | $50 | Membership required · branches in MD, NJ, NY | 4.15% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| Quorum Federal Credit Union60-Month Term Account · Standard | 60 months | $100 | Membership required · branches in NY | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Fourleaf Federal Credit Union on October 22, 2026.
About Fourleaf Federal Credit Union
- Legal name
- Fourleaf Federal Credit Union
- Regulator ID
- NCUA 4735
- Headquarters
- Bethpage, NY
- Available in
- MD, NJ, NY
- Total assets
- $14.4 billion
- Also known as
- Bethpage Federal Credit Union, Bethpage FCU
- Website
- www.fourleaffcu.com
Source: rates read from https://www.fourleaffcu.com/rates-calculators/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Fourleaf Federal Credit Union?
Among the rates we track, 4.15% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Fourleaf Federal Credit Union CD?
The lowest minimum we found is $50.
How does Fourleaf Federal Credit Union's best CD rate compare with Treasury yields?
4.15% APY is −0.86% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Fourleaf Federal Credit Union CDs insured?
Fourleaf Federal Credit Union is a federally insured credit union (NCUA 4735). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Fourleaf Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Fourleaf Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Fourleaf Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Fourleaf Federal Credit Union before opening an account. This page is not financial advice.