The FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union) is a home equity line of credit from FourLeaf Federal Credit Union (formerly Bethpage Federal Credit Union). The ongoing APR is 5.99% fixed intro APR 12 months, then variable as low as 7.00% (Prime); floor 3.25%. Typical credit limit: up to $500,000. Loan terms: 10-year interest-only draw, 20-year repayment.