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 homelending@islandfcu.com 
  • 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.

EHL

Back to Top

Personalization Settings

x

Welcome

Island Federal Credit Union would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

Please do not remind again

Close personalization window

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

Please do not remind again