Refinance or Consolidate Your Home Loans With Island!

Mortgage rates are dropping... It's a great time to refinance or consolidate!

  • Low Closing Costs
  • Refundable Rate Lock Fee 1

From application to closing, we will guide you every step of the way!


To Apply

To apply for a refinance:

  • Contact the Home Lending Department by calling 631-851-1100 ext. 1347 or email 
  • Visit our Home Lending locations:

Island Federal Sayville

4820 Sunrise Highway

Sayville, NY 11782

Island Federal Hauppauge

120 Motor Parkway

Hauppauge, NY 11788

Island Federal Hicksville

85 E Old Country Road

Hicksville, NY 11801

Current Rates



*APR = Annual Percentage Rate. Rates and terms 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. Loan rates featured are the lowest for the product advertised. Loan-to-value restrictions may apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Rates advertised are for primary residence and properties located in New York. Mortgage rates change daily. Lower rates are available with payment of "points. 1 The 1% 60-day rate lock is refunded at closing provided you close mortgage within 60 days of date rate is locked in. Members who do not lock in a rate will be given the rate in effect ten (10) calendar days prior to closing. APR based on a $165,000 Convention loan assuming the highest credit rating.***Mortgage Special: Must have a 700 FICO Score and Loan to Value must be 70% or less. Monthly payments must be automatically deducted from an Island FCU checking account for life of loan. One family primary residence in Nassau or Suffolk County. Membership eligibility applies. Disclaimer: 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.


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Check out our new 18-month certificate special at 2.02% APY. Click HERE for more details.

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