EXCLUSIVE OFFERS
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SCCEA
Unlock Exclusive Savings & Offers For SCCEA Members
Discounts on loans, Welcome Bonus, & more!
Earn More & Save More with SCCEA!
Once you establish your exclusive SCCEA 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
Cash Back Checking
Stop paying fees to the bank, & start earning cash back for you!
A Banking Partner Built For You:
Unlock all the perks that come with SCCEA
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 SCCEA, 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 SCCEA representative to get your no-cost, no-commitment quote today!
Exclusive rates on personal loans
In addition to reduced rates on auto loans, SCCEA Members receive 0.15 basis points off their qualifying personal loan rates. Contact your dedicated support representative for more details.
The SCCEA 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!
Ready to start saving with Island Federal? Open your Membership today to earn a $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
Open your account online using promo code “SCCEA” or stop by any branch to get started today!
Introducing the SCCEA Debit Card!
Not only will you earn Cash Back Rewards with every purchase, but you’ll be helping to raise funds for the SCCEA with every swipe!
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 SCCEA every time you swipe your SCCEA Debit Card
Your Dedicated SCCEA 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 SCCEA 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 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
Disclosures
SCCEA promotional benefits are available only to eligible individuals who are current members of SCCEA 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 SCCEA, 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.