Today's rates from ISLAND
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.75% | 6.816% | — | Sep 11, 2026 | Visit | |
| 20 Year Fixed | 6.875% | 6.969% | — | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6.25% | 6.366% | — | Sep 11, 2026 | Visit | |
| 10 Year Fixed | 6.25% | 6.417% | — | Sep 11, 2026 | Visit | |
| 3 Year ARM | 6.25% | 6.727% | — | Sep 11, 2026 | Visit | |
| 5 Year ARM | 6.375% | 6.614% | — | Sep 11, 2026 | Visit | |
| 7 Year ARM | 6.5% | 6.694% | — | Sep 11, 2026 | Visit | |
| 10 Year ARM | 6.875% | 6.848% | — | Sep 11, 2026 | Visit | |
| 10 Year ARM Refinance | 6.875% | 6.848% | — | Sep 11, 2026 | Visit | |
| 15 Year Fixed Refinance | 6.25% | 6.366% | — | Sep 11, 2026 | Visit | |
| 20 Year Fixed Refinance | 6.875% | 6.969% | — | Sep 11, 2026 | Visit | |
| 3 Year ARM Refinance | 6.25% | 6.727% | — | Sep 11, 2026 | Visit | |
| 30 Year Fixed Refinance | 6.75% | 6.816% | — | Sep 11, 2026 | Visit | |
| 5 Year ARM Refinance | 6.375% | 6.614% | — | Sep 11, 2026 | Visit | |
| 7 Year ARM Refinance | 6.5% | 6.694% | — | Sep 11, 2026 | Visit |
Rate history
Lowest daily rate ISLAND advertised for each product, past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join ISLAND
Island Federal Credit Union is open to anyone who lives, works, worships, or attends school in Nassau County or selected towns in Suffolk County, NY. Membership is also available to employees of numerous local organizations, members of various unions (including CWA and ILA locals), and residents of specific community districts in Brooklyn.
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, Adelphi Academy…
Association / SEG
Thrive Mission Inc., CWA Long Island Federal Credit Union #22209, CWA Local 1104, CWA Local 1106, CWA Local 1108, CWA Local 1109, CWA Local 1102, CWA Local 1105, Liberty Association of N.Y., Inc., Christopher Council No. 4257 Knights of Columbus, Bravo Volunteer Ambulance Service, Inc., Italian Society Regalbuto of Mutual Assistance…
County
Nassau County, NY
City
Town of Huntington, NY, Town of Babylon, NY, Town of Smithtown, NY, Town of Islip, NY, Town of Brookhaven, NY, Town of Riverhead, NY, Town of Southold, NY
Where ISLAND writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with ISLAND.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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