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Rates

Account Type Annual % Yield Annual % Rate
Regular Savings1 .05% .05%
High Five Youth Savings4 (Ages 16 and Under) 5.00% 5.00%
Holiday Club or Vacation Club1 .05% .05%
Escrow1 .05% .05%
Cash Back Checking2 .05% .05%
Teen Checking5 (Ages 10 - 16) 0.25% 0.25%
Reg. IRA Savings1 .20% .20%
Money Market Plus - Variable Rate1 .10% .10%
Money Market Gold - Variable Rate1
Tier 1 Up to $49,999.99 .50% .50%
Tier 2 $50,000 - $99,999.99 .50% .50%
Tier 3 $100,000 - $249,999.99 .70% .70%
Tier 4 $250,000 - $499,999.99 .75% .75%
Tier 5 $500,000 - $999,999.99 .75% .75%
Tier 6 $1,000,000 & Over 1.50% 1.49%

*APY=Annual Percentage Yield. 1Variable rate accounts. Rates and terms are subject to change without notice. 2Checking: $2,500 minimum to earn interest. 3 Fixed 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. 4 High Five Youth Savings available for children 16 and under. Balances from $1.00 to $500.00 earn 5.00% APY. Balances over $500.00 will earn the current savings APY; see rate sheet for current rates. To obtain the blended dividend rate, there is a limit of one account for each unique minor/joint ownership. Dividends are calculated on daily balance and credited monthly. 5 Teen Checking Account with Debit Mastercard is available for kids ages 10-16 and requires a Savings and Checking Account; an individual 18 or older must be a joint account holder. All offers subject to credit approval. 2 Earn 0.25% APY on the first $500. Balances over $500.00 will earn the current checking APY; see rate sheet for current rates. Dividends are calculated on daily balance and credited monthly Membership eligibility applies.

Account Type Annual % Yield Annual % Rate
3 - Month 2.00% 1.98%
5 - Month *Special* 4.50% 4.41%
6 - Month 3.50% 3.44%
12 - Month 3.00% 2.96%
24 - Month 2.75% 2.72%
36 - Month 2.75% 2.72%
48 - Month 2.75% 2.72%
60 - Month 2.75% 2.72%
IRA SAVINGS - Traditional and Roth1 .20% .20%
*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 Certificates $500. Early withdrawal penalties apply. 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.
Vehicle Loan (Term) Vehicle Model Year Fixed Rate APR as Low as
12 - Months New - 2017 6.09%
24 - Months New - 2017 6.09%
36 - Months New - 2017 6.09%
48 - Months New - 2017 6.09%
60 - Months New - 2017 6.09%
72 - Months New - 2017 6.09%
84 - Months New - 2018 6.79%
96 - Months New - 2019 7.59%
Vehicle Loan (Term) Vehicle Model Year Fixed Rate APR as Low as
12 - Months 2014 - 2016 9.49%
24 - Months 2014 - 2016 9.49%
36 - Months 2014 - 2016 9.49%
48 - Months 2015 - 2016 9.49%
60 - Months 2016 9.49%
Vehicle Loan (Term) Vehicle Model Year Fixed Rate APR as Low as
First Time Car Buyer Program New - 2017 9.09%
First Time Car Buyer Program 2014 - 2016 12.09%
Boat & RV Loan (Term) Model Year Fixed Rate APR as Low as
12 - 48 Months New - 2013 7.74%
60 - 72 Months New - 2015 8.24%
84 Months New - 2016 9.24%
85 - 120 Months New - 2019 9.54%
121 - 144 Months New - 2021 10.54%
145 - 180 Months 2024+ 11.04%
Motorcycle Loan Model Year Fixed Rate APR as Low as
60-month max term (new only) 2024+ 7.74%
Fixed Rate APR as Low as Variable Rate APR as Low as
1.95% Introductory for 12 Months* 12.70%
Unsecured (Personal) Loan Fixed Rate APR as Low as
12 - 36 Months 9.99%
48 Months 10.49%
60 Months 10.99%
Shared Secured (Dividend + 3.00%) Variable Rate APR as Low as
12 - 36 Months 3.25% (12-60 months)

Other

Consumer Credit (Other) Variable Rate APR as Low as
Overdraft Protection Line of Credit 12.75%
Student Choice College Loans Click Here
Student Choice Private Consolidation Loans Click Here

* 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.

Product Fixed Rate APR as Low as Variable Rate APR as Low as
Home Equity Line Of Credit (No Closing Costs3) Current Introductory Rate as low as 6.39%1APR* Fixed First 12 Months2 Prime Rate 7.75%
Fixed Rate Home Equity Loan+
Product Fixed Rate APR as Low as
12 - 48 Months (No Closing Costs) 7.90%
49 - 120 Months (No Closing Costs) 8.49%
121 - 180 Months (No Closing Costs) 9.64%
181 - 240 Months (No Closing Costs) 9.84%
Fixed-Rate Home Equity Secured Balloon Loan 7.00%

Mortgage Rates effective on the date indicated below.**

Product Fixed Rate APR as Low as
Mortgage** Rates Change Daily; Rates/APR as of 11/22/2024.
Fixed Rate (refundable lock-in fee available++)
10-Year (60-Day Rate Lock) 6.250%/6.417%
15 Year (60 Day Rate Lock) 6.375%/6.491%
20-Year (60-Day Rate Lock) 6.625%/6.719%
30-Year (60-Day Rate Lock) 6.625%/6.691%
Adjustable Rate Products
1-Year Non-convertible 5.875%/6.966%
3/1 Fixed Period Adjustable 6.000%/6.832%
5/1 Fixed Period Adjustable 6.250%/6.810%
7/1 Fixed Period Adjustable 6.375%/6.801%
10/1 Fixed Period Adjustable 6.750%/6.981%
First Time Home Buyer Programs
Dream It, Achieve It - 100% Financing Available Call for Rates & Details
Cut The Cost Mortgage Let Island help cover your closing cost" Call for Rates & Details
1st Time Homebuyers 3% down Call for Rates & Details
Specialty Products
Heroes Mortgage First Responders, Healthcare Workers, and Teachers save on closing cost Call for Rates & Details
Self Employed & Small Business Owners We make homeownership simple for entrepreneurs Call for Rates & Details
95% Financing for Purchasers 90% Financing for Rate/Term Refinances
97% Financing for Purchasers - 1st Time Homebuyers 90% Financing for Rate/Term Refinances