The FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union) is a personal credit card from FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union). The annual fee is No annual fee. The ongoing APR is 2.99% - 4.99% intro APR 12 months, then 14.90% - 18.00% variable. Rewards: 0.50% cash back on $1-$4,000 net purchases; 1% above $4,000.