Credit Cards - Island Federal Credit Union (Hauppauge, NY)

Credit Cards 

Learn about Island Chip Cards here.

EMV cards

Whether you are just starting to build credit, looking for a lower interest rate, or would like to trade up to a card with enhanced rewards, Island has the BEST card for you. 


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Choose from our 2 great cards

The Best Rate Mastercard®The Best Rewards World Mastercard®


As low as 11.95%++ APR on all balances

1.99% fixed APR* on Balance Transfers for the first 18 months

Island Rewards Program

No balance transfer fee

10,000 FREE Points

As low as 9.95%+ variable APR on all balances thereafter

Redeem for merchandise, gift cards, cash and much more

No Annual Fee

No Annual Fee


Lost or stolen card?

To report lost or stolen call 800-449-7728.

For 24-hour cardholder service call 1-866-820-3904.


Membership eligibility applies. *APR = Annual Percentage Rate. Rates and terms accurate as of 10/17/2018 and subject to change without notice. All offers of credit subject to credit approval; applicants may be offered credit at higher rates and other terms. Rates featured are the lowest for the product advertised. Rate is based on Prime rate plus a margin; margin is disclosed at account opening. Maximum Rate is 18%. Current Prime rate is 5.25%. +Promotional fixed rate of 1.99% APR is for balance transfers only and valid for 18 months from the date the balance transfer occurs. After promotional period, cardholder’s APR will default to the regular non-promotional variable APR ranging from 9.95% to 17.70%. ++Variable APR ranging from 11.95% to 13.70%.


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Check out our new 9-month certificate special at 2.15% APY. Click HERE for more details.

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