# Island Federal Credit Union > Island Federal Credit Union is a not-for-profit, full-service financial institution founded in 1955, serving over 50,000 members across Long Island and Brooklyn, NY. Island Federal offers personal and business banking, including checking, savings, credit cards, mortgages, home equity, auto and personal loans, insurance, and investment services. Routing Number: 221475896. Member service: 631-851-1100. ## Personal Banking - [Checking Accounts](https://islandfcu.org/checking/): Cash back checking and personal checking account options. - [Savings Account](https://islandfcu.org/savings/): Personal savings account options. - [Credit Cards](https://islandfcu.org/credit-cards/): Island Credit Mastercard with no annual fee, no balance transfer fee, and cash back rewards. - ["High Five" Youth Savings](https://islandfcu.org/youth-savings/): Savings account designed for children. - [Teen Checking](https://islandfcu.org/teen-debit-mastercard/): Teen checking with debit Mastercard. - [Money Market](https://islandfcu.org/money-market/): Money market account with competitive yields. - [IRAs](https://islandfcu.org/iras/): Individual retirement account options. - [Certificates](https://islandfcu.org/certificates/): Share certificate account options. - [Cash Back Categories](https://islandfcu.org/cash-back-categories/): Quarterly bonus uChoose Reward Points on Island Debit Mastercard purchases. ## Home Lending - [Mortgages](https://islandfcu.org/mortgages/): Home mortgage loan options for Long Island and Brooklyn buyers. - [Home Equity](https://islandfcu.org/home-equity/): Home equity loans and HELOCs for renovations and other needs. - [First Time Home Buyers](https://islandfcu.org/cut-the-cost-mortgage/): Mortgage program for first-time home buyers. - [Heroes Mortgage](https://islandfcu.org/heroes-mortgage/): Mortgage program for community heroes. ## Auto and Vehicle Loans - [New and Used Auto Loans](https://islandfcu.org/vehicle-loan/): Financing for new and used vehicle purchases. - [Auto Loan Refinancing](https://islandfcu.org/auto-loan-refinance/): Refinance an existing auto loan to lower payments. - [Lease Buyout Program](https://islandfcu.org/vehicle-loan/#lease-buy-outs): Financing to purchase a leased vehicle. - [Boat Loans](https://islandfcu.org/vehicle-loan/#boats): Financing for boat purchases. - [RV Loans](https://islandfcu.org/vehicle-loan/#rvs): Financing for recreational vehicle purchases. - [Vehicle Extended Warranty](https://islandfcu.org/extended-warranty/): Extended warranty coverage for vehicles. ## Personal Lending - [Personal Loans](https://islandfcu.org/personal-loan/): Unsecured personal loan options. - [Student Loans](https://islandfcu.org/college-loans/): College and student financing options. - [Overdraft Protection](https://islandfcu.org/overdraft-protection/): Overdraft protection for checking accounts. ## Business Banking - [Business Lending](https://islandfcu.org/business-lending/): Loan options for local businesses. - [Business Banking Products](https://islandfcu.org/business-banking-products/): Business deposit and banking products. - [Commercial Real Estate](https://islandfcu.org/commercial-real-estate/): Commercial real estate financing. - [Island At Your Service](https://islandfcu.org/island-at-your-service/): Concierge business banking service. ## Member Benefits and Services - [Becoming a Member](https://islandfcu.org/membership/): Membership eligibility and how to join. - [Online Banking](https://islandfcu.org/online-banking/): Digital banking access and features. - [Mobile Banking](https://islandfcu.org/mobile-banking/): Mobile app banking access and features. - [uChoose Rewards](https://islandfcu.org/uchoose-rewards/): Debit and credit card rewards program. - [Shared Services Network](https://islandfcu.org/shared-banking/): Shared branch banking access. - [Free Credit Monitoring](https://islandfcu.org/credit-sense/): Credit monitoring through Credit Sense. - [Custom Card Covers](https://islandfcu.org/custom-card-covers/): Personalized card cover options. - [Direct Deposit and Other Forms](https://islandfcu.org/forms/): Member forms including direct deposit. - [E-Statements](https://islandfcu.org/e-statements/): Paperless statement enrollment. - [Fraud and Identity Protection](https://islandfcu.org/fraud-protection/): Fraud prevention and identity protection resources. - [Safe Deposit Boxes](https://islandfcu.org/safe-deposit-boxes/): Safe deposit box rental. - [Financial Calculators](https://islandfcu.org/financial-calculators/): Loan and savings calculators. - [Wires](https://islandfcu.org/wires/): Wire transfer services. - [Investments](https://islandfcu.org/investments/): Island Financial Services investment offerings. ## Insurance - [Life Insurance](https://islandfcu.org/insurance-services/): Life insurance options for members. - [Vehicle Extended Warranty](https://islandfcu.org/extended-warranty/): Extended warranty coverage for vehicles. ## Locations - [Locations Overview](https://islandfcu.org/locations/): Branch and ATM directory for Long Island and Brooklyn. - [Bellmore](https://islandfcu.org/bellmore/): Bellmore, NY branch. - [East Setauket](https://islandfcu.org/east-setauket/): East Setauket, NY branch. - [Hauppauge (Main Office)](https://islandfcu.org/hauppauge/): Hauppauge, NY main office. - [Hicksville](https://islandfcu.org/hicksville/): Hicksville, NY branch. - [Massapequa](https://islandfcu.org/massapequa/): Massapequa, NY branch. - [Riverhead](https://islandfcu.org/riverhead/): Riverhead, NY branch. - [Sayville](https://islandfcu.org/sayville/): Sayville, NY branch. - [Selden](https://islandfcu.org/selden/): Selden, NY branch. ## Community - [Island Community](https://islandfcu.org/island-community/): Community involvement and partnerships. - [Events](https://islandfcu.org/events/): Member and community events, including the Summer Concert Series. - [Island Scholarship](https://islandfcu.org/island-scholarship/): Scholarship program for members. - [Newsletter](https://islandfcu.org/newsletter/): Member newsletter and updates. ## About and Support - [About](https://islandfcu.org/about/): Company history, mission, and background. - [Rates](https://islandfcu.org/rates/): Current deposit and loan rates. - [Financial Education](https://islandfcu.org/financial-education/): Financial education resources and Island Updates. - [FAQ](https://islandfcu.org/faq/): Frequently asked questions. - [Help and Support](https://islandfcu.org/help/): Member help and support resources. - [Contact Us](https://islandfcu.org/contact-us/): Contact information and inquiry form. - [Careers](https://islandfcu.org/careers/): Employment opportunities at Island Federal. ## Optional - [Disclosures](https://islandfcu.org/disclosures/): Account and loan disclosures. - [Privacy Policy](https://islandfcu.org/privacy-policy/): Privacy policy and data practices. - [Fee Schedule](https://islandfcu.org/wp-content/uploads/2024/03/2024_02_FeeSchedule_FLY_r2.pdf): Account fee schedule (PDF).