# Fourleaf Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/fourleaf-federal-credit-union
Institution: Fourleaf Federal Credit Union (NCUA 4735)
Aliases: Bethpage Federal Credit Union, Bethpage FCU
Status: live
Last verified: 2026-10-23T01:40:56.000Z (October 22, 2026)
Official source: https://www.fourleaffcu.com/rates-calculators/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $50 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 6 Month Certificate | standard | 6 months | $50 | 1.25% | Not ZIP-priced | −3.15% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 7 Month Certificate | standard | 7 months | $50 | 1.25% | Not ZIP-priced | −3.18% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 8 Month Promotional Certificate | promotional | 8 months | $50 | 4.00% | Not ZIP-priced | −0.45% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 8 Month Certificate | standard | 8 months | $50 | 1.75% | Not ZIP-priced | −2.70% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 9 Month Certificate | standard | 9 months | $50 | 1.25% | Not ZIP-priced | −3.23% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 10 Month Certificate | standard | 10 months | $50 | 1.25% | Not ZIP-priced | −3.26% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 11 Month Certificate | standard | 11 months | $50 | 3.00% | Not ZIP-priced | −1.54% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 12 Month Certificate | standard | 12 months | $50 | 1.25% | Not ZIP-priced | −3.32% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 13 Month Certificate | standard | 13 months | $50 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 18 Month Certificate | standard | 18 months | $50 | 1.25% | Not ZIP-priced | −3.47% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 24 Month Certificate | standard | 24 months | $50 | 1.25% | Not ZIP-priced | −3.62% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 30 Month Certificate | standard | 30 months | $50 | 1.25% | Not ZIP-priced | −3.66% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 36 Month Certificate | standard | 36 months | $50 | 1.25% | Not ZIP-priced | −3.70% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 39 Mo 'Bump Up' Certificate | standard | 39 months | $50 | 1.25% | Not ZIP-priced | −3.71% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 48 Month Certificate | standard | 48 months | $50 | 1.25% | Not ZIP-priced | −3.73% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |
| 60 Month Certificate | standard | 60 months | $50 | 4.15% | Not ZIP-priced | −0.86% | 2026-10-23T01:40:56.000Z | [Snapshot 598](https://apyledger.com/snapshots/598) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.