Welcome Options for Community Living!

Options for Community Living employees & families can enjoy exclusive rates and savings through our partnership with Island Federal!

Banking Made Simple for You!

Island Federal Credit Union has been providing banking services to select groups of Long Islanders for over 69 years.  As a Member, you’ll be eligible to receive great rates on Mortgages, Auto Loans, Credit Cards, and more.  Additionally, you’ll have access to a dedicated support team who are standing by to answer any personal finance questions you may have.  Options for Community Living employees and families can earn $100 as a “Welcome” bonus when opening your FREE Membership!

Auto Loans Starting At:

6.49% APR*

New, Used, or Refinance

30-Year Mortgages Starting At:


Ask about our 100% financing options

Home Equity Line of Credit Starting At:


Fixed First 12 Months2

*APR=Annual Percentage Rate. Rates and terms accurate as of 05/30/2024 and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. 1: Variable rate; maximum rate of 16%. 2: After introductory rate, APR varies based on prime rate plus a margin; margin disclosed at account opening. Current prime rate is 8.50%. 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.

$100 Welcome Bonus!

Ready to start saving with Island Federal? Open your free Membership today to earn a $100 Welcome Bonus!

  • $25 when you open a free Cash Back Checking Account with debit card1
  • $25 when you set-up Online Banking2
  • $25 when you enroll in e-Statements3
  • $25 when you utilize Direct Deposit4

Open your account online using promo code “OptionsCL” or stop by any branch to get started today!

island checking

All the Cash Back, None of the Fees!

Did you know Island Federal is home to the Cash Back Checking Account?
  • Cash Back Rewards on every debit card purchase5
  • No Monthly Fees, No Minimum Balance
  • Access to 125,000 fee-free ATM’s and over 5,600 courtesy branches nationwide6
  • Access to your money 24/7 with online and mobile banking
Buying First Home

Personalized Banking Assistance, When & Where You Want!

Island Federal is here whenever and where ever you needs us.  Use our “Book An Appointment” feature to schedule an in-person meeting at your local branch or a virtual consultation.

The Options for Community Living Bonus Promotion is open to Options for Community Living employees and their immediate family members. 1 All offers subject to credit approval. Eligible individuals will receive $25 when opening a Cash Back Checking Account with Debit Mastercard, performing at least 10 Debit purchase transactions, (excludes ATM & P2P transactions); 2 Additional $25 after successfully activating Island Federal Online Banking; 3 Receive an additional $25 after enrolling in e-Statements; 4 An additional $25 for enrolling in Direct Deposit with one or more monthly direct deposits totaling $500 or more for a 90-day period. Criteria must be completed on or prior to the ninetieth day after account opening to receive bonus. Total maximum Bonus of $100 dollars per eligible individual. Promotion accurate as of 05/30/2024 . *Limited time offer; subject to change without notice. Bonus will be distributed into eligible Member’s account the first business day of the month following their ninetieth day of membership and reported on IRS form 1099-INT. Current members are not eligible to participate in the referral bonus program. Cannot be combined with any other offers. Membership eligibility applies. 5 To receive Reward Points, Member must have an Island Checking Account, Debit Mastercard and enroll in the uChoose Rewards Program at www.uChooseRewards.com. Points will be awarded for purchases at the beginning of each month. 6 Available for Island Members