FourLeaf Federal Credit Union
Formerly Bethpage Federal Credit Union
FourLeaf Federal Credit Union — refi from 5.88% APR with terms to 84 months and 90-day first-payment deferral.
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"Not disclosed" means FourLeaf Federal Credit Union does not publish this on their public site. "No restriction" means FourLeaf Federal Credit Union explicitly states no limit.
Overview
Bethpage Federal Credit Union now operates as FourLeaf Federal Credit Union (the legacy bethpagefcu.com URL no longer resolves; the site is fourleaffcu.com). FourLeaf publishes a Used/Refinance APR floor of 5.88% at 60 months on a vehicle 7 model years or newer with 90% LTV; rates climb for longer t…
What’s great
- Published Used/Refinance floor of 5.88% APR
- Up to 84-month terms for used/refi
- Up to 115% LTV available at higher pricing
- 90-day first-payment deferral
- $5 share is the only membership requirement
What to know
- Vehicles 8–9 model years old are capped at a 63-month term and 100% LTV
- $100,000 loan maximum
- FICO floor and mileage cap are not published
- Lease buyouts exclude vehicles leased through Ford, Nissan, or Infiniti
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.88% — minimum only; full range not published |
| Maximum vehicle age | 9 years |
| Maximum mileage | Not disclosed |
| Loan amount range | $3,750 – $100,000 |
| Term length | Up to 84 months |
| States served | No restriction |
| Membership requirement | FourLeaf FCU membership required (open to anyone via a $5 minimum share savings deposit prior to loan closing) |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from FourLeaf Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with FourLeaf Federal Credit Union before applying.
- [1]FourLeaf FCU (formerly Bethpage FCU) Auto Loans — Used/Refi as low as 5.88% APR; New as low as 5.53% APR; terms up to 96 months (new) and 84 months (used/refi); $3,750 minimum, $100,000 maximum; up to 115% LTV; vehicles 2–9 model years for used/refi (8–9 model years capped at 63-month term and 100% LTV); 90-day payment deferral; $5 share required for membership — FourLeaf Federal Credit Unionhttps://www.fourleaffcu.com/vehicle-auto-loans/Last checked: October 2026