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Winter Storm Update – Monday, February 23, 2026:
Due to winter storm conditions, all branches will be closed on Monday, February 23. Online Banking, Mobile Banking, and Touchtone Teller Services remain available to serve you.
Stay safe & thank you for being a Member!
Memorial Day | Monday, May 25th : All branches will be closed on Monday, May 25th in observance of Memorial Day, honoring the brave men and women who made the ultimate sacrifice for our country.
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  • Routing Number: 221475896
  • ☎️ Call Us: 631-851-1100
  • ✉️ Email Island Federal
  • New & Used Auto Loans
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Wire Transfers
Financial Education

Are Wire Transfers Safe? Risks, Tips, and What to Know

Are wire transfers safe? Generally, yes. In fact, they tend to be very safe. Yet, while wire transfers are secure by design, the number of

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Credit Unions over Banks
Financial Education

Why Long Islanders Are Choosing Credit Unions Over Banks

According to data from the National Credit Union Administration (NCUA), credit union membership stood at approximately 145 million members as of the third quarter of

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Financial Education

How Does Refinancing an Auto Loan Work?

Looking to lower your monthly auto payment or secure better terms that meet your current situation? For qualified consumers, refinancing is one option. If your

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Financial Education

How Much Can You Borrow with a HELOC?

A home equity line of credit (HELOC) is a type of lending tool that allows property owners to borrow against the equity in their home

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Money Market Account
Financial Education

What is a Money Market Account?

A money market account (MMA) combines the benefits of a checking and savings account, representing a hybrid between the two account types that offers a

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Debt Consolidation Loan
Financial Education

How Do Debt Consolidation Loans Work?

A debt consolidation loan is a single loan used to pay off multiple debts, combining them into one monthly payment with a fixed interest rate.

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HELOC Requirements
Financial Education

Understanding HELOC Requirements

A HELOC, or home equity line of credit, allows borrowers to borrow money as needed. They are growing in popularity, driven largely by high homeowner

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Current Mortgage Rates
Financial Education

Current Mortgage Rates on Long Island

Should you apply for a mortgage now or wait for mortgage rates on Long Island to fall? Could they go up in the meantime? Many

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Financial Education

Used Car Loans on Long Island: What You Need to Know

Vehicle loans are one of the most common ways to finance a used car purchase, as they allow you to spread out the total cost

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Financial Education

How to Get Pre-Approved for an Auto Loan

Many buyers pursue auto loan pre-approval as a key first step when they’re in the market for a new vehicle. It’s also a smart first

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Routing #: 221475896

Main Menu

Routing #: 221475896

  • Login

Personal

Personal Banking

Main Menu
  • Checking Accounts
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  • Credit Cards
  • “High Five” Youth Savings
  • Teen Checking
  • Money Market
  • IRAs
  • Certificates

Home Lending

Main Menu
  • Mortgage
  • Home Equity
  • First Time Home Buyers

Auto & Vehicle

Main Menu
  • New & Used Auto Loans
  • Auto Loan Refinancing
  • Lease Buyout Program
  • Boat Loans
  • RV Loans
  • Vehicle Extended Warranty

Personal Lending

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  • Personal Loans
  • Student Loans
  • Overdraft Protection

Business

Main Menu
  • Business Lending
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Member

Member Benefits

Main Menu
  • Becoming a Member
  • Online Banking
  • Mobile Banking
  • uChoose Rewards
  • Shared Services Network
  • Free Credit Monitoring
  • Custom Card Covers

Member Services

Main Menu
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  • Make A Loan Payment
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Personal

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Auto & Vehicle

  • New & Used Auto Loans
  • Lease Buy Out Program
  • Boat Loans
  • RV Loans

Personal Lending

  • Personal Loans
  • Student Loans & College finances
Business
  • Business Lending
  • Business Banking Products
  • Commercial Real Estate
  • Island At Your Service
Member

Member Benefits

  • Becoming a Member
  • Online Banking
  • Island Scholarship
  • uChoose Rewards
  • Free Credit Monitoring
  • Shared Services Network
  • Mobile Banking
  • Card Secure
  • Custom Card Covers

Member Services

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  • E-Statements
  • Fraud & Identity Protection
  • Safety Deposit Boxes
  • Wires & ACH Payments

Investing & More

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  • Ronald McDonald House
  • Long Island Cares
  • Summer Concert Series
  • Island at Stony Brook
Locations
  • Overview
  • Brooklyn
  • Bellmore
  • Massapequa
  • Hicksville
  • Hauppauge
  • Selden
  • Sayville
  • Riverhead
  • Stony Brook Hospital
  • Stony Brook University
  • East Setauket
Open an Account
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Routing #: 221475896