$25,000 – $49,999
0.5 gram
Tier 1
One (1) 0.5 gram .9999 fine gold ingot in a commemorative display case.1
Limited time only
Earn Gold.
Secure Your Savings.
Celebrate America’s 250th with our Stars & Stripes Share Certificate Special — a fixed-rate share certificate paired with a commemorative .9999 fine gold ingot.
25-Month Share Certificate1
3.25%
Annual Percentage Yield (APY)*
Plus a commemorative gold ingot in a display case
Minimum $25,000 to open1 • Membership eligibility applies
Commemorative Gold by Tier
Open your 25-month Stars & Stripes Share Certificate and receive a .9999 fine gold ingot in a commemorative display case — shipped to the address on your account.
$50,000 – $99,999
1 gram
Tier 2
One (1) 1 gram .9999 fine gold ingot in a commemorative display case.1
$100,000+
2 grams
Tier 3
One (1) 2 gram .9999 fine gold ingot in a commemorative display case.1
Gold Has Never Been More Compelling
In today’s economy, tangible value matters. Pair a competitive fixed share certificate rate with a physical gold reward — and celebrate America’s semiquincentennial at the same time.
Historic Gold Prices
Gold has climbed dramatically over two decades — making this commemorative piece especially meaningful.
America’s 250th
A limited-time certificate tied to our nation’s semiquincentennial — exclusive to Island Federal members.
Secure, Fixed Savings
Your rate is locked for the full 25-month term. Interest compounds monthly and credits monthly.
A Gift You Can Hold
Your gold ingot ships after opening. Please allow up to 6 weeks for delivery.1
The Rise of Gold (2000–2026)
Annual average price per troy ounce in U.S. dollars
Annual average gold price — USD per troy ounce
Sources: USAGOLD, JM Bullion, Trading Economics | Current price as of May 2026
Four Simple Steps
Open Your Share CertificateBecome a Member
Not yet a Member? Check eligibility and join Island Federal.
Open Your Share Certificate
Fund your 25-month Stars & Stripes Share Certificate with at least $25,0001 online or at a branch.
Earn Fixed Interest
Enjoy 3.25% APY* for the full term with monthly compounding and monthly crediting.
Receive Your Gold
Your commemorative gold ingot ships to your address within approximately 6 weeks.1
Ready to Earn Gold?
Lock in your rate and claim your commemorative gold piece before this offer ends.
Open Your Share Certificate TodayPrefer personal guidance? Call 631-851-1100 or visit a branch.
We’re Here to Help
Questions about this offer? Reach us by phone, in person, or with our calculator.
Important Disclosures
*APY = Annual Percentage Yield. APY is accurate as of 06/12/2026 and is subject to change without notice. 125-month term. Rate is fixed for the term of the share certificate. Minimum balance of $25,000 required to open and earn interest. Interest is compounded monthly and credited monthly. A penalty will be imposed for early withdrawal. For share certificates opened with a balance between $25,000 and $49,999, Member will receive one (1), one-half (½) gram .9999 fine gold ingot in a commemorative display case. Balances between $50,000 and $99,999 will receive one (1) one, (1) gram .9999 fine gold ingot in a commemorative display case. Balances of $100,000 and above will receive one (1), two (2) gram .9999 fine gold ingot in a commemorative display case. The fair market value of the commemorative gold item will be reportable to the IRS on form1099-INT; consult your tax advisor. Commemorative gold item will be shipped to the address provided at certificate opening; please allow up to 6 weeks for delivery. Rates and Terms subject to change without notice. Images enlarged for detail. Membership eligibility requirements apply.
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