What's in this issue?
A message from the President
As we welcome the new year, I want to take a moment to express my heartfelt gratitude for your trust and membership. It’s an exciting time, as we approach our one-year anniversary since becoming FourLeaf! Seeing the growth of our credit union, fueled by the rebrand, has been truly remarkable. In addition, the support we’ve received from our members, communities, and partners remind us that we’re building something special together.
I am proud to lead a fantastic team, and we are excited to kick off 2026 with one goal in mind – continue making FourLeaf a great place to work and bank. We will support and celebrate our members’ big moments and simplify the journey around them. Speaking of big things, we’re continuing to evolve our products and services to meet your financial needs. This year, we’re making it more convenient for you to access your eligible direct deposit up to two days earlier. Learn more how other FourLeaf products can check off all of your money needs.
Our growth continues with a new branch coming early this year to Jackson Heights – with another location in Little Neck to follow soon after! We are thrilled to be serving more members in Queens.
I’m happy to share that our Money Like A Woman movement continues to spotlight women and the incredible businesses that they lead. Since launching our Bethboards, the response from the community and the positive impact has been extraordinary. Learn more about the success of Money Like A Woman below.
As many of you know, FourLeaf has a strong commitment to community engagement. With this, we are proud to continue our Volunteer Income Tax Assistance/Tax Counseling for the Elderly program, offering free income tax preparation services to families with low-to-moderate incomes. Below, you can learn about this year’s program and other exciting community events, including the results of our 17th Annual Turkey Drive and new details about the FourLeaf Air Show celebrating America’s 250th anniversary.
Here’s to 2026 – a year of growth, prosperity, thriving together, and celebrating our 85th year serving our membership.
Sincerely,
Linda Armyn
President & Chief Executive Officer
Celebrating the first year of Money Like A Woman
It’s been just over a year since we launched Money Like A Woman – a movement grounded in our mission to promote financial inclusivity and create meaningful change in the communities we serve.
- Our Money Like A Woman commercials, reached over 122 million people
- We presented our first annual Visionary Awards, where we selected five winners in the following categories: Community, Young Professional, Entrepreneurial, and Corporate
- The movement website was visited over 800,000 times
- Our Bethboards made a big impact! Bethboards (what we call billboards) proudly highlight women-led small businesses
- 168 women‑owned businesses were nominated, and many were selected as winning businesses featured on Bethboards
- Our very first Bethboard was live in Times Square
If you know a women-led small business that should be featured, nominate them today!
New FourLeaf branches are coming to Queens!
We are happy to continue our expansion with a branch opening soon in Jackson Heights, followed by Little Neck later in 2026. We can’t wait to connect with even more members and communities – sharing the benefits of the credit union difference.
The Jackson Heights branch will offer the following services:
- Account opening
- Loan services
- Interactive Teller Machines (ITMs)*
- Notary services
We look forward to reaching more members and communities in 2026 – sharing the benefits of the credit union difference along the way.
*An ITM looks and operates as an ATM, with added functionality, including the option to chat directly with a FourLeaf representative during business hours.
We know you've got money needs. Let’s check them off, together.
Our Free Checking Account is designed to keep up with your everyday money needs. That’s why it features:
Fewer fees
Forget about monthly maintenance fees
Convenience
Enjoy access to your eligible direct deposit up to two days earlier*
Accessibility
- Nationwide access to surcharge-free ATMs via the Co-op Network[1]
- Over 5,000 Shared Branch locations across the country
Speed
- Tap & GoTM payments with our Mastercard® Contactless Debit Card
- Send money to family and friends you trust with Zelle® [2]
Everyone’s home loan journey looks different, and FourLeaf is here to make the process less intimidating with our competitive rates and experienced mortgage loan officers.
Buy a home
Refinance your home
Use your home’s equity
Whether you have a short-term or long-term savings goal, our certificate accounts provide dependable growth and steady dividends. With various rates and terms, you can choose what works best for you.
Guaranteed rate of return
Start with as little as $50
Certificate will automatically renew at maturity with no action required by you
The FourLeaf Mastercard® Low Rate Credit Card offers our lowest introductory rate yet, so you don’t have to stress about big monthly payments after a large purchase or unexpected expense.
Intro rate
Board nominations
The Nominating Committee of the Board of Directors of FourLeaf Federal Credit Union has placed the names of the individuals listed in nomination for a board position in 2026.
Nominations for the Board of Directors may also be made by petition signed by 500 members, if received by 5 PM on March 13, 2026. The election will be held at the Annual Meeting on April 21, 2026, and unless a valid petition is filed, will not be conducted by ballot. There will be no nominations from the floor. Each nominee by petition must submit a statement of qualifications and biographical data with the petition. The statement of qualifications and biographical data will be published and made available to the public.
For more information or to file a petition and statement for a nominee, contact Lynda Nicolino at 899 S. Oyster Bay Road, Bethpage, NY 11714 or call 516-349-6945.
Gregg Nevola is the Vice President and Head of Benefits for Northwell Health. He holds an MBA in Finance from Hofstra University and a Bachelor’s degree in Economics from Binghamton University. He is also a Certified Employee Benefits Specialist, and is an alternate Trustee of the 1199 National Benefit and Pension Fund, a Trustee for the UFT Healthcare Chapter Benefit Fund, a board member of NEBGH and on the Board of Directors for Northwell Direct. The FourLeaf Board of Directors appointed Gregg as an Associate Director in 2017 and in 2019 he joined the Board of Directors.
Phil Gandolfo, CPA, a Farmingdale resident, is a retired Senior Vice President at Emblem Health Plans and former Executive Vice President, Chief Operating Officer and Chief Financial Officer of Vytra Health Plans. In 1991, the Board of Directors appointed him to the Supervisory Committee, and he joined the Board in 1994. He is a former Chair, Vice Chair, Secretary and Treasurer of the Board.
Anne N. Brigis serves as the President and CEO of the YMCA of Long Island. Throughout her 40 + year career, her commitment to excellence and her strategic vision have played a significant role in the future growth and trajectory of the organization. Anne’s priority has always been serving Long Island communities with a spectrum of programs and services for children, teens, adults, seniors, and families that center on the YMCA’s mission for Youth Development, Healthy Living, and Social Responsibility. Anne began her service with FourLeaf in 2013 as an Associate Director, and she joined the Board of Directors in October 2015.
Sally Ballweg spent her professional career in the financial services industry. She was the Senior Executive Vice President of the First National Bank of Long Island and the Senior Executive Vice President and Secretary of The First of Long Island Corporation. Prior to that she enjoyed a 29-year career at JP Morgan Chase. Sally earned her MBA in Finance and BS degree in Economics from Hofstra University, where she later taught as an Adjunct Professor of Finance in the Frank G. Zarb School of Business. Sally also holds an advanced banking certification from the American Bankers Association Stonier Graduate School of Banking. Sally currently serves on the Board of Directors but started her FourLeaf service in 2019 as a Supervisory Committee member, where she held the role of Chair prior to joining the Board.
Community spotlight
FourLeaf Air Show celebrating America’s 250th anniversary
New dates, same great show.
The annual FourLeaf Air Show at Jones Beach will take place on Sunday, July 5, and Monday, July 6, as part of the 250th celebration of the independence of the United States. The United States Navy Blue Angels will headline the celebration, along with other military and internationally known civilian aerobatic performers.
We can’t wait to see you there as we celebrate our country!
The 23rd annual Volunteer Income Tax Assistance/Tax Counseling for the Elderly (VITA/TCE) program is here!
Tuesday, February 3 – Thursday, April 9, 2026
The VITA/TCE program offers free tax help for individuals and families with low-to-moderate income (generally $70,000 or less), persons with disabilities, and limited English-speaking taxpayers who need assistance preparing their own tax returns. VITA/TCE certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.
For more information, please visit by clicking below, call 516-349-4289 or email vita1@fourleaffcu.com.
The IRS manages the VITA/TCE program. The program is operated and staffed by volunteers who are not tax professionals.
To obtain access to the advertised financial products and services offered by FourLeaf, membership is required, which is subject to approval and requires opening and maintaining a $5 Savings Account.
All loan terms are subject to credit and loan program requirements; applicants may be offered credit at higher rates and other terms. Loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations may apply. To obtain a credit product, membership at FourLeaf is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation.
*FourLeaf’s early direct deposit is a service provided by Fourleaf where we may credit your eligible consumer deposit account (non IRA) up to two business days early for an eligible direct deposit. This service is not guaranteed and FourLeaf cannot guarantee you will receive early direct deposit at consistent intervals. Not all direct deposits are eligible and eligibility is determined at FourLeaf’s discretion as only certain recurring deposits may qualify. Qualifying direct deposits are certain ACH credit transactions such as payroll or similar transactions. FourLeaf does not guarantee that any direct deposit will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
[1] 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 online ATM Locator at www.fourleaffcu.com/atm for a list of surcharge-free ATMs.
[2] Must be at least 18 years old, have an eligible account and a valid email address or U.S. mobile phone number registered within FourLeaf Online and Mobile Banking profile to use Zelle®.
[3] APR= Annual Percentage Rate. Rates and terms accurate as of , and based on credit worthiness. APR for Purchases and Balance Transfers: 0.00% Intro APR for the first 12 months from account opening. After that, your variable APR will be % to 18.00% and will vary based on the Prime Rate. We may end your intro APR and apply the Penalty APR if you do not pay at least the minimum payment within 60 days after the due date. Intro APR does not apply to balance transfers from a FourLeaf account. APR for Cash Advances: % to 18.00% variable APR and will vary based on the Prime Rate. Penalty APR: 18.00% may be applied to your account if you do not pay at least the minimum payment within 60 days after the due date. Maximum APR: 18.00%. Minimum interest charge: $1.00. Cash transaction fee: either $5 or 3% of the amount of each transaction, whichever is greater. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater. Late charge fee: either $25 or the minimum payment due, whichever is less.
Zelle® and the Zelle related marks are wholly owned by Early Warning Service, LLC and are used herein under license. Terms and Conditions apply. Learn more at fourleaffcu.com/zelle.
Tap & Go is a registered trademark of Mastercard International Incorporated.
The creditor and issuer of this credit card is FourLeaf, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
FourLeaf NMLS ID: 449104
020920261255