Rates – Effective Date:

Savings & Checking Accounts

*APY=Annual Percentage Yield. ¹Variable rate accounts. Rates and terms are subject to change without notice. ²Checking: $2,500 minimum to earn interest. 3Fixed rate accounts. Minimum balance to open and receive rate: $1,000 for regular; $500 for youths. Money Market Plus: Minimum balance required to open and maintain is $2,500. You must maintain a minimum daily balance of $2,500 to obtain the disclosed APY. If the account falls below the required minimum balance, the account will be subject to a below minimum balance fee. Maximum six withdrawals or transfers per month. Money Market Gold: Minimum balance required to open and maintain account is $50,000. Must maintain a minimum daily balance of $50,000 in account to obtain the disclosed APY. Maximum six withdrawals or transfers per month. Tiered-rated account which has several dividend rates that are applicable to specified balance levels. Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied.  Membership eligibility applies.

Certificates

*APY=Annual Percentage Yield. ¹Variable rate accounts. Rates and terms are subject to change without notice. ²Checking: $2,500 minimum to earn interest. ³Fixed rate accounts. Minimum balance to open CD's $500 for regular; $500 for Youth. Penalties may be imposed for early withdrawal. Account eligibility applies. Share account with $1 minimum balance is required. Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied. Membership eligibility applies.

Consumer Loans

* All rates and terms are subject to change without notice. All offers are subject to credit approval; applicants may be offered credit at a higher rate and other terms. Other conditions may apply. Share account with $1 minimum balance is required. *After the introductory period, the cardholder’s APR will default to the card’s regular non-promotion APR of Prime rate + a margin Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied. Membership eligibility applies.

Home Equity Loans

*APR=Annual Percentage Rate. Rates and terms are subject to change. Rate featured is the lowest for the product. Variable rate; maximum rate of 16%. May be offered credit at a higher rate and other terms; subject to credit approval. After introductory rate, APR varies based on prime rate plus a margin; margin disclosed at account opening. Current prime rate 4.75%. Hazard insurance required on all loans. Must maintain minimum balance requirements for first 12 months for introductory rate and 36 months to avoid payment of closing costs. No closing costs option only available for limits up to $500,000 for a primary residence located in Nassau or Suffolk County. Other terms and conditions apply. +Fixed Rate Home Equity Loans - No Closing Costs option is only available for loan amounts up to $500,000. Property must be the primary residence and located in Nassau or Suffolk County. Monthly loan payments must be paid by automatic deduction from an Island FCU checking account. Loan payments not automatically deducted will have a 1%. increase to the applicants qualifying rate. Loan must remain open for 36 months to avoid payment of closing costs. Other terms and conditions apply. Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied. Membership eligibility applies.

Mortgages

Mortgage Rates effective on the date indicated below.

APR = Annual Percentage Rate. Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan rates featured are the lowest for the product advertised. Loan-to-value restrictions may apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Rates advertised are for primary residence and properties located in New York. ⁺⁺Lock in fee is refunded at closing. Loan must close within 60 days.^**Mortgage rates change daily. Lower rates are available with payment of "points." The 1% 60-day rate lock is refunded at closing provided you close mortgage within 60 days of date rate is locked in. Members who do not lock in a rate will be given the rate in effect ten (10) calendar days prior to closing.  Share account with $1 minimum balance required. APR based on a $165,000 Convention loan assuming the highest credit rating. Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied. Membership eligibility applies.