Effective Date: 07/05/2025
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 Certificate | 1.75% | 1.74% |
| 5 Month Certificate **Promotional Rate** | 4.20% | 4.12% |
| 6 Month Certificate | 2.75% | 2.72% |
| 8 Month Certificate **Promotional Rate** | 4.05% | 3.98% |
| 12 Month Certificate | 2.50% | 2.47% |
| 19 Month Certificate **Promotional Rate** | 3.00% | 2.96% |
| 24 Month Certificate | 2.25% | 2.23% |
| 36 Month Certificate | 2.75% | 2.72% |
| 48 Month Certificate | 2.50% | 2.47% |
| 60 Month Certificate | 2.50% | 2.47% |
| 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 | 2018 - New | 5.49% |
| 24 Months | 2018 - New | 5.49% |
| 36 Months | 2018 - New | 5.49% |
| 48 Months | 2018 - New | 5.49% |
| 60 Months | 2018 - New | 5.49% |
| 72 Months | 2018 - New | 5.49% |
| 84 Months | 2019 - New | 6.19% |
| 96 Months | 2020 - New | 6.99% |
| Vehicle Loan (Term) | Vehicle Model Year | Fixed Rate APR as Low as |
|---|---|---|
| 12 Months | 2015 - 2017 | 8.89% |
| 24 Months | 2015 - 2017 | 8.89% |
| 36 Months | 2015 - 2017 | 8.89% |
| 48 Months | 2016 - 2017 | 8.89% |
| 60 Months | 2017 | 8.89% |
| Vehicle Loan (Term) | Vehicle Model Year | Fixed Rate APR as Low as |
|---|---|---|
| First Time Car Buyer Program | 2018 - New | 8.49% |
| First Time Car Buyer Program | 2015 - 2017 | 11.49% |
| Boat & RV Loan (Term) | Model Year | Fixed Rate APR as Low as |
|---|---|---|
| Up to 24 Months | 2010 - New | 7.74% |
| 25 - 48 Months | 2013 - New | 7.74% |
| 60 - 72 Months | 2015 - New | 8.24% |
| 84 Months | 2017 - New | 9.24% |
| 85 - 120 Months | 2018 - New | 9.54% |
| 121 - 144 Months | 2020 - New | 10.54% |
| 145 - 180 Months | 2023 - New | 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 |
|---|---|
| 3.39% APR* Introductory for 12 Months | 12.20% |
| 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% |
Other
| Consumer Credit (Other) | Variable Rate APR as Low as |
|---|---|
| Overdraft Protection Line of Credit | 12.25% |
| 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 5.89%1APR* Fixed First 12 months2 | Prime Rate 7.50% |
| 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 7/03/2025. |
| Fixed Rate (refundable lock-in fee available++) | |
| 10 Year (60-Day Rate Lock) | 6.000%/6.167% |
| 15 Year (60 Day Rate Lock) | 6.000%/6.116% |
| 20 Year (60-Day Rate Lock) | 6.375%/6.469% |
| 30 Year (60-Day Rate Lock) | 6.375%/6.441% |
| Adjustable Rate Products | |
| 1 Year Non-convertible | 5.750%/6.954% |
| 3/1 Fixed Period Adjustable | 5.750%/6.674% |
| 5/1 Fixed Period Adjustable | 5.875%/6.584% |
| 7/1 Fixed Period Adjustable | 6.125%/6.610% |
| 10/1 Fixed Period Adjustable | 6.500%/6.770% |
| 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 |