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Credit Cards
Low Rates +
Cash Back Rewards All in One
Earn unlimited Cash Back Rewards with no annual fee.
All the Perks, None of the Fees.
Everything you want,
nothing that you don't.
No annual fee
Low 3.39% APR* for your first 12 months1
No Balance Transfer fee 3
24/7 fraud protection and service
How do I earn Cash Back Rewards?
Security & Fraud Protection
High-Yield Earnings
Once you enroll your Island Federal Cash Back Debit Mastercard at uchooserewards.com, you'll earn 1 point for every $2 spent. Whether you're shopping online or in person, you'll see the Cash Back start piling up. Check in on your totals under "My Cards" within the Island Mobile App and redeem points for cash back right into your account, discounts at the fuel pump, or gift cards to your favorite stores.
Say Goodbye to Fees
No monthly maintenance fees. No minimum balance requirements. Just a smarter way to manage your money.
Convenience You Deserve
You'll have 24/7 access to your money with Online and Mobile Banking. Add in our network of 125,000 fee-free ATM's and 5,600 courtesy banking locations across the globe and you'll be able to access your money wherever, whenever, and however you like.
Designed with One Goal:
Give Members Exactly What They Need
Everything you want, nothing that you don't
- Cash Back Rewards with every purchase 2
- No annual fee
- Low 3.39% APR* on new purchases & balance transfers for your first 12 months 1
- No Balance Transfer Fee 3
- 24/7 fraud protection and customer service
Can I transfer balances with no fee?
Absolutely! We do not charge any balance transfer fees. Bring over your balance from your current high interest card and save. 3
How do I earn Cash Back Rewards?
You'll earn Cash Back Rewards with every purchase; in-person and online. Simply enroll your card at uChoose Rewards and you'll start seeing the points rack up. Redeem points for gift cards to your favorite retailers or cash back right into your account.2 Check in on your totals with the Island Federal Mobile App or Online Banking.
What about security & fraud protection?
Island Federal has been protecting Long Islanders from fraud for over 70 years. We use state-of-the-art fraud detection, real-time use alerts sent right to your phone, and 24/7 customer support standing by to assist you.
Looking for a Credit Card Built for Long Islanders Like You?
Looking for a credit card with a great low rate, great rewards, and no hidden fees? Island Federal Credit Union offers one of the most competitive credit cards around, perfect for Long Islanders who want to save on interest and earn cash back on everyday purchases.
With no annual fee, 3.39% introductory APR* for 12 months1, and $0 balance transfer fees 3, our credit card is a smart choice for anyone looking to pay off high-interest debt or finance new purchases. Apply online today or visit any Island Federal branch across Nassau and Suffolk County.
Hear From Our Proud Members
“My son and I met with the team at Island Federal to secure him his first credit card. They were so warm and kind to him explaining all the ins and outs of credit card use. They took a good 45 mins with him. Such a kind and caring group at island federal. Love them.”
Gail N.
Selden
“The excellent customer service I received from the Assistant Branch Manager is appreciated SO much. They helped me with getting an Island Federal Mastercard credit card approved and helped me with other banking assistance efficiently friendly and fast. They were excellent . All the staff is excellent, they always helps me at the Sayville branch. I love Island Federal credit union.”
Jack D.
Sayville
Frequently Asked Questions
Do I need to be an Island Federal Member to apply for the card?
Yes, Membership is required to obtain an Island Federal Credit Mastercard. However, we make it easy. Your Membership will be automatically opened during the application process at no additional cost to you.
Is the intro rate for both new purchases and balance transfers?
Yes, you’ll receive the same low 3.39% APY for 12 months1 on both new purchases and balances you transfer over from your existing high interest cards from other issuers.
What will the rate be after the intro period?
After the intro period, your rate will move to a variable rate starting at just 11.45% APR*. Each individual card holders rate will be disclosed at time of account opening and will be dependent on the card holders credit score and other factors.
Do Cash Back Rewards Expire?
Rewards points are valid for 1,095 days (Three years)
Do you offer secured credit cards?
Yes, Island Federal offers secure credit cards. To apply for a secure credit card, visit any Island Federal Branch or Book a Virtual Appointment.
Are there any annual fees?
No, there are no annual fees associated with the Island Federal Credit Mastercard.
How do I make a payment?
You can make payments using Island Federal Online Banking, the Island Federal Mobile App, over the phone, at your local branch, or by mailing a check.
How can I monitor activity?
Within the Island Federal Mobile App, navigate to “My Cards” and enable notifications to receive real time alerts to your phone. You can also see a full list of recent transactions through Island Federal Online Banking.
Disclosures
*APR=Annual Percentage Rate.
Rates effective 02/16/2026 and subject to change without notice. All offers of credit subject to credit approval; applicants may be offered higher rates and other terms. Lowest advertised rate shown; actual rate may vary based on creditworthiness. Membership eligibility applies.
1 Stated promotional rate of 3.39% APR is valid for new accounts only on new purchases and balance transfers from the first qualifying transaction for purchases/balance transfers for the first 12 billing cycles. After the promotional period, the cardholder’s APR will default to the card’s regular non-promotion APR of Prime rate + a margin. Margin disclosed at account opening. Variable rate product, APR may change monthly with changes to prime rate. Current Prime rate is 6.75%. Maximum Rate is 18%. See the Island Federal Fee Schedule for complete list of fees and terms.
2 Card must be enrolled in uChoose Rewards to earn Cash Back Reward points. Rewards are subject to the terms and conditions of the uChoose Rewards Program. Cash back value, redemption rules, and expiration policies apply.
3 No balance transfer fee will be charged on balances transferred from non-Island Federal credit cards to your new Island Federal Credit Card account. Balances transferred from existing Island Federal Credit Cards will not receive the promotional introductory rate.