Limited-time holiday offer
Earn 5% Cash Back on holiday purchases. 1
From Thanksgiving dinner to stocking stuffers & more… unlock 5% Cash Back with Island Federal.
Already have Island checking and never enrolled in uChoose? Enroll in uChoose Rewards. Promotional eligibility restrictions apply.
Enroll now through December 31, 2026. Earn for 90 days from enrollment.
on your first $5,000 in purchases, plus cash back on all purchases thereafter¹
Monthly Fees
Minimum Balance Requirements
Good for the holidays. Great for every day.
Keep the convenience. Keep earning rewards. Get more from your everyday banking, long after the holiday season.
No monthly maintenance fees and no minimum balance requirement.
Earn cash back rewards on everyday Debit Mastercard purchases at the standard earn rate after the promotion.
24/7 Online and Mobile Banking, plus 125,000 fee-free ATMs and 5,600 courtesy banking locations.
24/7 fraud detection and real-time usage alerts help you stay on top of your account.
Simply enroll your debit card in uChoose Rewards® to start earning.
Earn points when you use your debit card for all your holiday shopping and more!
Redeem your points for cash back!
The offer is for individuals age 17 or older who qualify for Island Federal membership and do not currently have, and have not had, a Cash Back Checking Account within the past 12 months. Joint owners on an existing Cash Back Checking Account, Teen Checking accounts, Custodial accounts and Specialty Title accounts are not eligible (see website for details). Accounts previously closed with a negative balance are excluded. See the full offer disclosure below.
You can easily request one by calling (631) 851-1100 or visiting your local branch! See branch locations here.
Your 90-day earn period begins on the date you enroll your Island Federal Debit Mastercard in uChoose Rewards. Enroll now through December 31, 2026. Your personal earn window may continue beyond December 31.
Qualifying transactions include all debit card purchases where Mastercard is accepted (excluding ATM withdrawals).
Earn 5 uChoose Rewards points per $1 spent on your first $5,000 in qualifying purchases during your 90-day earn period. That is up to 25,000 promotional points, with a cash redemption value of $250.
Redeem points for cash back and more through uChoose Rewards. Points earned during a billing cycle are posted at the end of that month. Your account and membership must remain open and in good standing through the promotional earn period.
Once you reach $5,000 in qualifying purchases or your 90-day earn window ends, whichever comes first, purchases earn points at the standard uChoose Rewards rate for each transaction type. See current standard earn rates.
Open Cash Back Checking. Enroll in uChoose. Celebrate more.
All offers are subject to credit approval. Offer is open to individuals age 17 or older who are eligible for Membership with Island Federal Credit Union and who do not currently have, and have not had, a Cash Back Checking Account within the past 12 months. Members who are currently listed as joint owners on any existing Island Federal Cash Back Checking Account are not eligible. Teen Checking accounts, Custodial accounts and Specialty Title accounts are not eligible (see website for details). Not available on accounts that have been closed with a negative balance. Cardholder must enroll their Island Federal Debit Mastercard® in the uChoose Rewards® program at www.uChooseRewards.com during the promotional period now through December 31, 2026 to participate. Upon enrollment, cardholders will earn 5 uChoose Rewards Points per $1 USD spent on all qualifying transactions for 90 days from the date of enrollment, up to a maximum of $5,000 in total qualifying spend (maximum promotional award: 25,000 points; cash redemption value of $250). Qualifying transactions include all debit card purchases where Mastercard is accepted (excluding ATM withdrawals). Upon reaching the $5,000 qualifying spend threshold, or upon expiration of the 90-day promotional earn window—whichever occurs first—the earn rate will revert to the standard uChoose Rewards earn rate applicable to each transaction type. Visit islandfcu.com/uchoose for current standard point earn rates. All points earned during a billing cycle are posted to the member’s uChoose Rewards account at the end of that month. The Cash Back Checking Account and Island Federal membership must remain open and in good standing through the promotional earn period to earn and redeem rewards. uChoose Rewards points are subject to the uChoose Rewards Program Terms and Conditions available at www.uChooseRewards.com. Island Federal Credit Union reserves the right to modify or discontinue this offer at any time without prior notice. Membership eligibility applies.
Federally insured by NCUA. Membership eligibility applies.