Open an Account
Let us help you find the right account
Free Checking
(For ages 21 years and over)
Our most popular product
0.40%APY[1]
with required activities
- Mastercard® Contactless Debit Card with access to over 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[6]
Savings
(For ages 21 years and over)
Gateway to membership
0.10%APY[2]
minimum opening balance of $5
- Access your money anytime and anywhere with Online and Mobile Banking
- ATM Card with access to over 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[6]
Money Market Accounts
(For ages 21 years and over)
Rates up to
2.00%APY[3]
with eligible deposit
- Open with as little as $1
- Balance determines dividend rate
Certificate Accounts
Rates up to
5.00%APY[4]
11 Month Certificate
- Start with as little as $50
- Fixed dividend rate for the term of the product
Student Checking Account
(For ages 13-20)
- Mastercard® Contactless Debit Card with access to over 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[2]
- Parent/guardian joint owner is required for ages 17 and under
Student Savings Account
(For ages 13-20)
5.00%APY[7]
on your first $1,000
- ATM Card with access to over 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[6]
- Parent/guardian joint owner is required for ages 17 and under
Banking on the go provides secure, convenient access to your accounts anytime, anywhere.
Whether you are a small business or a larger enterprise, FourLeaf has business banking solutions to help you succeed.
Become a member
Ready to experience our great rates and service? Have a loan you applied for? You'll need to become a member of FourLeaf now by simply opening a $5 savings account.
FAQs
Open an account frequently asked questions
The National Credit Union Administration is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.
The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions (like FourLeaf) for up to $250,000. The NCUA’s share insurance coverage is similar to the deposit insurance coverage offered by the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits.
For more details and to learn more about NCUA share insurance visit www.ncua.gov
Credit unions are made up of members who have ownership in the overall institution.
What does this mean? Instead of earnings going into the shareholder’s pockets, they are paid back to members in the form of higher dividend rates, lower loan rates and exceptional service.
Of course! With access to more than 5,000 Co-op Shared Branches, nearly 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[1], and 24/7 digital banking, FourLeaf makes it convenient for members to manage their accounts anytime, anywhere.
Shared Branches give members thousands of convenient locations to perform basic transactions. Whether you are at work, home, or anywhere within the U.S., you will have the ability to get the services you need.
A Shared Service branch is a FourLeaf or other credit union branch that participates in a network that allows members to walk into a credit union location that displays the CO-OP logo. At these designated locations you will be able to deposit checks, make a withdrawal or make a loan payment.
To find your nearest shared branch location, use our branch locator.
Important Information
[1] Free Checking Account. APY = Annual Percentage Yield. APY is accurate as of and is subject to change, including after account opening, without notice. APY will apply for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit into the Free Checking account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking account. Qualifying transactions must post to the Free Checking account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking account will not earn dividends and 0.00% APY. There is no minimum balance requirements to earn APY and to open account.
Certificate Accounts. APY = Annual Percentage Yield. APY is accurate as of and subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Fees may reduce earnings.
[2] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our ATM Locator for a list of surcharge-free ATMs.
[4] Student Savings Accounts. APY = Annual Percentage Yield. APY is accurate as of xx/xx/xxxx and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $0.00 to $1,000.00 earn 5.00% APY and 4.91% dividend rate. Balances $1,000.01 to $10,000.00 earn 5.00% to 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. The required minimum balance to open account is $5.00.
[5] 39-Month Bump Up Certificate – The bump-up certificate has a 39-month term and includes an option that allows you to increase or “bump-up” the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36 month certificate with no “bump up” (increase) feature.
The NCUA share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit www.ncua.gov or call toll-free 1-800-755-1030, option 1.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.