EXCLUSIVE OFFERS
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Local 1102
Unlock Exclusive Savings & Offers For Local 1102 Members
Discounts on loans, Welcome Bonus, & more!
Earn More & Save More with 1102!
Once you establish your exclusive Local 1102 Membership with Island Federal, you’ll unlock all types of perks and savings
Making Homeownership More Affordable
100% Financing Mortgage Programs
Cut-The-Cost Programs
Personalized service and guidance helping you every step of the way!
Discounted Loans
New Cars
Used Cars
Refinances
Lease Buyouts
Earn More for You & 1102!
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.
A Banking Partner Built For You:
Unlock all the perks that come with Local 1102
Early Paycheck Program
- Get access to your paycheck up to 24 hours early!
- Set up a Cash Back Checking Account with direct deposit and Island Federal will work to have your funds available up to one day early.
Save on car payments
As a member of Local 1102, you're eligible to receive exclusive discounts of .15 basis points off your qualifying rate on auto loans for new cars, used cars, refinances, and lease buyouts. Contact your dedicated Local 1102 representative to get your no-cost, no-commitment quote today!
Exclusive rates on personal loans
In addition to reduced rates on auto loans, Local 1102 Members receive 0.15 basis points off their qualifying personal loan rates. Contact your dedicated support representative for more details.
The Local 1102 Debit Card:
Everything you want, nothing that you don't.
We built the Cash Back Checking account to keep things simple.
- No minimum balance requirements, no monthly fees
- Earn Cash Back Rewards with every debit purchase
- 24/7 access to your funds with Online & Mobile Banking
Homeownership Made Simple & Affordable
Island Federal has been helping families achieve the dream of homeownership for over 70 years. We've built custom mortgage programs that can help eliminate the obstacles that prevent many families from purchasing their first home.
- Elimination of Underwriting Fees ($595 savings)
- Dream It, Achieve It Mortgage | Remove the obstacle of a 20% down payment!
- Cut The Cost Mortgage | Roll closing costs into your mortgage
- Dedicated support, every step of the way
$100 Welcome Bonus!
- $25 after your first 10 debit card purchases1
- $25 when you set up Online Banking2
- $25 when you enroll in e-Statements3
- $25 when you utilize Direct Deposit4
Introducing the 1102 Debit Card!
Not only will you earn Cash Back Rewards with every purchase, but you’ll be helping to raise funds for the 1102 Charitable Trust!
Ready to make the most of your banking? Don’t settle for “free” checking, when you can have the Cash Back Checking Account.
- No minimum balance or monthly fees
- Earn Cash Back Rewards with every debit card swipe
- Online & Mobile Banking
- 24/7 Fraud Monitoring & Real Time Alerts
- Access to over 125,000 fee-free ATMs
And as an added bonus, Island Federal will make a donation to the Local 1102 Charitable Trust every time you swipe your 1102 Debit Card
Your Dedicated 1102 Representative:
Larry Dunn
Larry Dunn currently serves as a Sr. Director of Membership Experience and has worked at Island Federal for the past 9 years. As the dedicated Local 1102 Representative, Larry is available to assist you with all of your banking needs! Questions? Send Larry a note!
Larry Dunn
Sr. Director of Membership Experience
T: (631) 851-1100 ext. 1388
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 att 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
Who is eligible for the Local 1102 membership benefits?
***TBD***
How do I sign up to receive the exclusive benefits?
To open your Exclusive 1102 Island Federal Membership and receive all the benefits either use promo code “1102” when opening your Membership online or show your 1102 membership card when opening at you nearest branch.
Do Cash Back Rewards Expire?
Rewards points are valid for 1,095 days (Three years)
Who can I contact to learn more?
Local 1102 members can contact Larry Dunn, your dedicated Member Support Representatives for any questions.
What mortgage programs are available for Local 1102 members?
Disclosures
Local 1102 promotional benefits are available only to eligible individuals who are current members of Local 1102 and who meet Island Federal Credit Union membership and account-opening requirements. Offers, rates, terms, and conditions are subject to change without notice and may be discontinued at any time. All loans are subject to credit approval. To receive Cash Back Rewards, Member must enroll their Island Federal Debit or Credit Mastercard in uChoose Rewards at www.uchooserewards.com.
Loan Rate Discount (.15% APR):
A 0.15% APR (annual percentage rate) discount is available on qualifying auto loans and personal loans when the borrower establishes and maintains automatic payments from an Island Federal Cash Back Checking account. If automatic payments are discontinued, or if the borrower is no longer a member of Local 1102, the loan rate will revert to the then-applicable non-discounted rate. Minimum rate not to go below 3.00% APR.
$100 Cash Back Checking Incentive:
Eligible individuals may earn up to $100 in incentives when opening a Cash Back Checking Account with Debit Mastercard and completing the following actions on or before the 90th day after account opening: (1) $25 after completing at least ten (10) debit card purchase transactions (ATM and person-to-person (P2P) transactions excluded); (2) an additional $25 after successfully activating Island Federal Online Banking and/or Mobile App; (3) an additional $25 after enrolling in e-Statements; and (4) an additional $25 after enrolling in Direct Deposit and receiving a minimum of two electronic direct deposits into the account totaling no less than $1,000 in a 90-day period. Maximum total incentive is $100 per eligible individual. Bonus will be distributed into eligible members account the first business day of the month following their ninetieth day of membership and reported on IRS form 1099-INT.
Federally insured by NCUA.
Equal Housing Lender.