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: 1 point per $1 net purchases.