--- title: "Island Credit Union Rates (Nov 2026): Mortgage 6.94%" description: "Island Credit Union rates today: 30 year fixed mortgage 6.94% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Island Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/island" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Island Credit Union Rates (Nov 2026): Mortgage 6.94% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.941% APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.741% APR | 6.625% | — | Standard | | **5/1 ARM** 5 1 arm | 7.001% APR | 6.500% | — | Standard | Island Credit Union mortgage rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 5.240% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.900% | — | Standard | Island Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecure Personal Loan** personal_unsecured | — APR | 9.990% | — | Standard | Island Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 3.390% | — | Advertised floor | Island Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **36-Month Certificate** cd_36mo | — APY | 2.75% | 36 mo | Standard | Island Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Island Credit Union offers a 30-year fixed mortgage at 6.941% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/island) , verified from [Island Credit Union's official website](https://islandfcu.org/) Best product position **Better than the New York median** 30-year fixed mortgage Gap to state best **41 bp** 41 bp from state best Vs. state median **28 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.94% | Better than the New York median | 41 bp from state best | 28 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Island Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=island&state=new-york&code=NY&name=Island%20Credit%20Union) Loading branch locator… ## About Island Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 50.6K Assets $1.4B Founded 1955 Locations reported 8 NCUA charter 10023 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Teachers** Headquarters · Hauppauge · NY · 11788 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/teachers) [**Suffolk** Islandia Branch · Islandia · NY · 11749-1405 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/suffolk) [**People's Alliance** Main Office · Hauppauge · NY · 11788-3971 About 2.9 miles away](https://rateapi.dev/credit-unions/new-york/peoples-alliance) [**Fourleaf** Smithtown · Smithtown · NY · 11787 About 3.1 miles away](https://rateapi.dev/credit-unions/new-york/fourleaf) [**Jovia Financial** Nesconset · Nesconset · NY · 11767-2425 About 3.6 miles away](https://rateapi.dev/credit-unions/new-york/jovia-financial) [**Long Island Alliance** Main Branch · Hauppauge · NY · 11788-5500 About 3.6 miles away](https://rateapi.dev/credit-unions/new-york/long-island-alliance) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Island Credit Union Membership eligibility from Island Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Island Credit Union's website. Check the membership page below to confirm whether you qualify. - Location nassau — NY - Employer Brooklyn Economic Development Corporation, Executive Charge, Inc., The Guild for Exceptional Children, Inc., Bay Ridge Center, Long & Delosa Construction Group, Ltd., Federal Bureau of Prisons, Bay Ridge Volvo-American, Inc., HealthPlus, St. Patrick’s Roman Catholic Church, St. Athanasius Church, HeartShare Human Services of New York, Brooklyn Longshoremen’s Medical Center, Adelphi Academy, Federation of Italian American Organizations of Brooklyn, Ltd., All City Corporate Transportation, Inc., Charge and Ride, Inc., Communicar, Inc., Dial Car, Inc., Fleet Radio Dispatch Corp., Inta-boro Acres, Inc., Skyline Credit Ride, Inc., UTOG Two Way Radio, Inc., Vital Transportation, Inc., XYZ Two Way Radio, Inc., Concord Limousine, Inc., Big Apple Car, Inc., Apex Car & Limo Service, Inc., Gold Seal Car & Limousine, Inc., Group Americar Transportation, Inc., Prime Time Transportation, Inc., Valera Global, Inc., Margaret Teitz Nursing and Rehabilitation Center, Xaverian High School - Association Thrive Mission Inc., CWA Long Island Federal Credit Union #22209, Local 1104, Local 1106, Local 1108, Local 1109, Local 1102, Local 1105, Liberty Association of N.Y., Inc., Christopher Council No. 4257 Knights of Columbus, Ladies Auxiliary of the Christopher Council No. 4257 Knights of Columbus, Bravo Volunteer Ambulance Service, Inc., Regalbuto Federal Credit Union, Italian Society Regalbuto of Mutual Assistance (Sociata’ Operaia Di Mutuo Soccorso Regalbuto), Brooklyn Longshoremen’s Federal Credit Union, I.L.A. Local 824, Independent (NY) Federal Credit Union, Bay Ridge Federal Credit Union - School Xaverian High School Verified from [Island Credit Union's membership page](https://islandfcu.org/membership-eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Island Credit Union Geography 2 counties · Employers 36 · Associations 18 · Schools · Family 2 64 published paths to membership, last verified October 11, 2026, quoted from Island Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified October 11, 2026 - Nassau County, NY - Suffolk County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Nassau County, NY; Suffolk County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 36 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Employee of Brooklyn Economic Development Corporation - Works in city:NY:brooklyn “Employees of the Brooklyn Economic Development Corporation who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Brooklyn Economic Development Corporation and Works in Brooklyn, NY - Employee of Executive Charge, Inc. - Works in city:NY:brooklyn “employees of Executive Charge, Inc. who work in Brooklyn, New York, including those employees who work regularly under contract to Executive Charge, Inc. who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Executive Charge, Inc. and Works in Brooklyn, NY - Employee of The Guild for Exceptional Children, Inc. - Works in city:NY:brooklyn “Employees or volunteers of The Guild for Exceptional Children, Inc. who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of The Guild for Exceptional Children, Inc. and Works in Brooklyn, NY - Employee of Bay Ridge Center - Works in city:NY:brooklyn “Employees of the Bay Ridge Center who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Bay Ridge Center and Works in Brooklyn, NY - Employee of Long & Delosa Construction Group, Ltd. - Works in city:NY:brooklyn “employees of the Long & Delosa Construction Group, Ltd., who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Long & Delosa Construction Group, Ltd. and Works in Brooklyn, NY - Employee of Federal Bureau of Prisons - Works in city:NY:brooklyn “Employees of Federal Bureau of Prisons who work in or are paid from the Metropolitan Detention Center in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Federal Bureau of Prisons and Works in Brooklyn, NY - Employee of Federal Bureau of Prisons - Paid from city:NY:brooklyn “Employees of Federal Bureau of Prisons who work in or are paid from the Metropolitan Detention Center in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Federal Bureau of Prisons and Paid from Brooklyn, NY - Employee of Bay Ridge Volvo-American, Inc. - Works in city:NY:brooklyn “Employees of Bay Ridge Volvo-American, Inc. who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Bay Ridge Volvo-American, Inc. and Works in Brooklyn, NY - Employee of HealthPlus - Works in city:NY:brooklyn “Employees of HealthPlus who work in, or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of HealthPlus and Works in Brooklyn, NY - Employee of St. Patrick’s Roman Catholic Church - Works in city:NY:brooklyn “Employees of St. Patrick’s Roman Catholic Church who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of St. Patrick’s Roman Catholic Church and Works in Brooklyn, NY - Employee of St. Athanasius Church - Works in city:NY:brooklyn “Employees of St. Athanasius Church who work in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of St. Athanasius Church and Works in Brooklyn, NY - Employee of HeartShare Human Services of New York - Works in city:NY:brooklyn “employees of HeartShare Human Services of New York, who work in, or are paid, or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of HeartShare Human Services of New York and Works in Brooklyn, NY - Employee of Brooklyn Longshoremen’s Medical Center “employees of the Brooklyn Longshoremen’s Medical Center which provides medical service for the above locals;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Brooklyn Longshoremen’s Medical Center - Employee of Adelphi Academy - Works in city:NY:brooklyn “Employees of Adelphi Academy who work in, or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Adelphi Academy and Works in Brooklyn, NY - Employee of Federation of Italian American Organizations of Brooklyn, Ltd. - Works in city:NY:brooklyn “Employees of the Federation of Italian American Organizations of Brooklyn, Ltd. who work in or are paid from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Federation of Italian American Organizations of Brooklyn, Ltd. and Works in Brooklyn, NY - Employee of Federation of Italian American Organizations of Brooklyn, Ltd. - Paid from city:NY:brooklyn “Employees of the Federation of Italian American Organizations of Brooklyn, Ltd. who work in or are paid from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Federation of Italian American Organizations of Brooklyn, Ltd. and Paid from Brooklyn, NY - Employee of All City Corporate Transportation, Inc. - Works in city:NY:bronx “employees of and owner operators who regularly work under contract to All City Corporate Transportation, Inc. who work in or are paid or supervised from Bronx, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of All City Corporate Transportation, Inc. and Works in Bronx, NY - Employee of Charge and Ride, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to Charge and Ride, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Charge and Ride, Inc. and Works at Long Island City - Employee of Communicar, Inc. - Work Location Glendale, New York (as written on the source page) “employees of and owner operators who regularly work under contract to Communicar, Inc. who work in or are paid or supervised from Glendale, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Communicar, Inc. and Works at Glendale, New York - Employee of Dial Car, Inc. - Works in city:NY:brooklyn “employees of and owner operators who regularly work under contract to Dial Car, Inc. who work in or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Dial Car, Inc. and Works in Brooklyn, NY - Employee of Fleet Radio Dispatch Corp. - Work Location Woodside, New York (as written on the source page) “employees of and owner operators who regularly work under contract to Fleet Radio Dispatch Corp. who work in or are paid or supervised from Woodside, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Fleet Radio Dispatch Corp. and Works at Woodside, New York - Employee of Inta-boro Acres, Inc. - Work Location Ozone Park, New York (as written on the source page) “employees of and owner operators who regularly work under contract to Inta-boro Acres, Inc. who work in or are paid or supervised from Ozone Park, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Inta-boro Acres, Inc. and Works at Ozone Park, New York - Employee of Skyline Credit Ride, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to Skyline Credit Ride, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Skyline Credit Ride, Inc. and Works at Long Island City - Employee of UTOG Two Way Radio, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to UTOG Two Way Radio, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of UTOG Two Way Radio, Inc. and Works at Long Island City - Employee of Vital Transportation, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to Vital Transportation, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Vital Transportation, Inc. and Works at Long Island City - Employee of XYZ Two Way Radio, Inc. - Works in city:NY:brooklyn “employees of and owner operators who regularly work under contract to XYZ Two Way Radio, Inc. who work in or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of XYZ Two Way Radio, Inc. and Works in Brooklyn, NY - Employee of Concord Limousine, Inc. - Works in city:NY:brooklyn “employees of and owner operators who regularly work under contract to Concord Limousine, Inc. who work in or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Concord Limousine, Inc. and Works in Brooklyn, NY - Employee of Big Apple Car, Inc. - Works in city:NY:brooklyn “employees of and owner operators who regularly work under contract to Big Apple Car, Inc. who work in or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Big Apple Car, Inc. and Works in Brooklyn, NY - Employee of Apex Car & Limo Service, Inc. - Works in city:NY:brooklyn “employees of and owner operators who regularly work under contract to Apex Car & Limo Service, Inc. who work in or are paid or supervised from Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Apex Car & Limo Service, Inc. and Works in Brooklyn, NY - Employee of Gold Seal Car & Limousine, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to. Gold Seal Car & Limousine, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Gold Seal Car & Limousine, Inc. and Works at Long Island City - Employee of Group Americar Transportation, Inc. - Works in state:NY “employees of and owner operators who regularly work under contract to Group Americar Transportation, Inc. who work in or are paid or supervised from New York, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Group Americar Transportation, Inc. and Works in NY - Employee of Prime Time Transportation, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to Prime Time Transportation, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Prime Time Transportation, Inc. and Works at Long Island City - Employee of Valera Global, Inc. - Work Location Long Island City (as written on the source page) “employees of and owner operators who regularly work under contract to Valera Global, Inc. who work in or are paid or supervised from Long Island City, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Valera Global, Inc. and Works at Long Island City - Employee of Margaret Teitz Nursing and Rehabilitation Center - Work Location Jamaica, New York (as written on the source page) “employees of Margaret Teitz Nursing and Rehabilitation Center who work in or are paid from Jamaica, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Margaret Teitz Nursing and Rehabilitation Center and Works at Jamaica, New York - Employee of Xaverian High School “Employees of and volunteers and students attending Xaverian High School in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Xaverian High School - Employee of Island Federal Credit Union “employees of this credit union,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Employee of Island Federal Credit Union ### Associations 18 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Member of Thrive Mission Inc. “Members of Thrive Mission Inc. who qualify who qualify for membership in accordance with the association’s bylaws in on January 7, 2026;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Thrive Mission Inc. - Member of CWA Long Island Federal Credit Union #22209 “Members of record of the CWA Long Island Federal Credit Union #22209 as of June 30, 2013” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of CWA Long Island Federal Credit Union #22209 - Member of Local 1104 “Local 1104, in Nassau County, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1104 - Member of Local 1106 “Local 1106, in Queens County, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1106 - Member of Local 1108 “Local 1108 in Suffolk County, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1108 - Member of Local 1109 “Local 1109 in Kings County, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1109 - Member of Local 1102 “Local 1102 in Staten Island, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1102 - Member of Local 1105 “Local 1105 in Bronx, New York” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Local 1105 - Member of Liberty Association of N.Y., Inc. “Members of the Liberty Association of N.Y., Inc. in Brooklyn, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Liberty Association of N.Y., Inc. - Member of Christopher Council No. 4257 Knights of Columbus - Works in city:NY:brooklyn “Members of the Christopher Council No. 4257 Knights of Columbus and the Ladies Auxiliary of the Christopher Council No. 4257 Knights of Columbus located in Brooklyn, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Christopher Council No. 4257 Knights of Columbus and Works in Brooklyn, NY - Member of Ladies Auxiliary of the Christopher Council No. 4257 Knights of Columbus - Works in city:NY:brooklyn “Members of the Christopher Council No. 4257 Knights of Columbus and the Ladies Auxiliary of the Christopher Council No. 4257 Knights of Columbus located in Brooklyn, New York,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Ladies Auxiliary of the Christopher Council No. 4257 Knights of Columbus and Works in Brooklyn, NY - Member of Bravo Volunteer Ambulance Service, Inc. “General members of the Bravo Volunteer Ambulance Service, Inc. in Brooklyn, New York” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Bravo Volunteer Ambulance Service, Inc. - Member of Regalbuto Federal Credit Union “Members of record of Regalbuto Federal Credit Union as of the effective date of merger;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Regalbuto Federal Credit Union - Member of Italian Society Regalbuto of Mutual Assistance (Sociata’ Operaia Di Mutuo Soccorso Regalbuto) “members of the Italian Society Regalbuto of Mutual Assistance (Sociata’ Operaia Di Mutuo Soccorso Regalbuto), New York, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Italian Society Regalbuto of Mutual Assistance (Sociata’ Operaia Di Mutuo Soccorso Regalbuto) - Member of Brooklyn Longshoremen’s Federal Credit Union “Members of record of the Brooklyn Longshoremen’s Federal Credit Union as of the effective date of merger;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Brooklyn Longshoremen’s Federal Credit Union - Member of I.L.A. Local 824 “Members of I.L.A. Local 824 in New York, New York who qualify for membership in accordance with its charter and bylaws in effect on April 24, 2007;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of I.L.A. Local 824 - Member of Independent (NY) Federal Credit Union “Members of record of Independent (NY) Federal Credit Union (formerly Independent Credit Union) as of the effective date of merger;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Independent (NY) Federal Credit Union - Member of Bay Ridge Federal Credit Union “Members of record of Bay Ridge Federal Credit Union as of the effective date of the merger;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Member of Bay Ridge Federal Credit Union ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Student of Xaverian High School “Employees of and volunteers and students attending Xaverian High School in Brooklyn, New York;” > [source ↗](https://islandfcu.org/membership-eligibility/) - Student at Xaverian High School ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family Of Deceased surviving spouse “Also included are spouses of persons who died while within the field of membership of this credit union,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Family member (surviving spouse) of a deceased eligible person - Family of a member immediate family, household member “members of their immediate family or household,” > [source ↗](https://islandfcu.org/membership-eligibility/) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Island Credit Union? Yes No ## Work at Island Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Island Credit Union ranks against New York peers. - See which AI assistants fetched Island Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=island&state=new-york&code=NY&name=Island%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Island Credit Union offer? Island Credit Union currently offers mortgage, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Island Credit Union rates updated? RateAPI verifies Island Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Island Credit Union's rate data? Rate data is collected directly from Island Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Island Credit Union's mortgage rate? As of November 13, 2026, Island Credit Union offers a 30-year fixed mortgage at 6.941% APR. ### Who can join Island Credit Union? Island Credit Union publishes its membership criteria on its own website. RateAPI tracks 64 published membership paths covering 2 counties, 36 employers, 18 associations and 1 school for Island Credit Union, each quoted from Island Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Island Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://islandfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Island Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Island Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /island " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Island Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/island Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp