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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Island Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 2, 2026
Island Federal Credit Union's 13 Month CD rates are at 3.60%, IRA 13 Month CD rates are at 3.60%, 19 Month CD rates are at 3.00%, IRA 19 Month CD rates are at 3.00%, 36 Month CD rates are at 2.75%. Island Federal Credit Union's savings rates are at 0.05%. Island Federal Credit Union's money market rates are at 0.50%. Island Federal Credit Union's 15 Year Fixed Rate rates are at 5.50%, Mortgage rates are at 5.50%, Mortgage rates are at 5.50%, 30 Year Fixed Rate rates are at 6.00%, Mortgage rates are at 6.00%. Island Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Island Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.75%. Rates were last updated on 04/02/2026. Island Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Island Federal Credit Union? Share your experience about Island Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Island Federal Credit Union. Island Federal Credit Union
Headquarters 120 Motor Pkwy
https://islandfcu.org/ Hauppauge, NY 11788 5152 
Island Federal Credit Union CD Rates
Island Federal Credit Union Savings Rates
Island Federal Credit Union Money Market Rates
Island Federal Credit Union Checking Rates
Island Federal Credit Union Mortgage Rates
Island Federal Credit Union Home Equity & HELOC
Island Federal Credit Union Auto Loan Rates
Island Federal Credit Union Credit Card Rates
Island Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Island Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Island Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Island Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Island Federal Credit Union
Website
https://islandfcu.org/
Address
120 Motor Pkwy,
Hauppauge, NY 11788 5152
Phone
631-851-1100
Fax
631-851-1112
President
Richard Rapp Jr
CEO
Craig Booth
Full-Time Employees
115
Part-Time Employees
15
Branch Locations
9
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.75%
Return on Assets (ROA)
0.1214%
Return on Equity (ROE)
1.2816%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
1,410,058,032
Total Amount of Shares and Deposits
1,134,286,641
Total Shares and Deposits < 1 Year
1,111,496,873
Total Shares and Deposits 1 3 Years
18,387,717
Total Shares and Deposits > 3 Years
4,402,052
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
141,090,853
Total Uninsured Shares and Deposits > $250K (F+J)
141,090,853
Total Insured Shares and Deposits > $250K (item 17 less item K)
993,195,788
Total Interest Expense (Sum of items 6 8)
25,273,693
Share Certificates
9,244
Number of Accounts for Share Drafts
31,302
IRA KEOGH Accounts
3,732
Number of Accounts for Regular Shares
59,027
All other shares
2,447
Non Member Deposits
1
Money Market Shares
2,495
Net Income (unless the amount is already included in Undivided Earnings)
1,712,008
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
63,909,817
Total Liabilities
1,326,229,670
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Island Federal Credit UnionIs Island Federal Credit Union a safe place to deposit money?Yes, Island Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.746702741916%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Island Federal Credit Union operate?Island Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Island Federal Credit Union?Yes, to access services at Island Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Island Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Island Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Island Federal Credit Union offer online and mobile banking?Most modern institutions like Island Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://islandfcu.org/. Current Island Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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