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    Credit union mortgage rates
    Home state: New York
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    ISLAND mortgage rates

    ISLAND's lowest publicly advertised 30-year fixed rate today is 6.941% APR — the national average is 7.147%. That's about $19,957 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read ISLAND's rates every weekday, starting around 11 a.m. Central.

    We last read ISLAND's rates page on Nov 2, 2026. ISLAND dates its published rate sheet Nov 2, 2026.

    Today's rates from ISLAND

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%6.941%—Nov 2, 2026Visit
    20 Year Fixed6.625%6.719%—Nov 2, 2026Visit
    15 Year Fixed6.5%6.616%—Nov 2, 2026Visit
    10 Year Fixed6.25%6.417%—Nov 2, 2026Visit
    3 Year ARM6.375%7.14%—Nov 2, 2026Visit
    5 Year ARM6.5%7.084%—Nov 2, 2026Visit
    7 Year ARM6.625%7.075%—Nov 2, 2026Visit
    10 Year ARM7%7.075%—Nov 2, 2026Visit
    10 Year ARM Refinance7%7.075%—Nov 2, 2026Visit
    10 Year Fixed Refinance6.25%6.417%—Nov 2, 2026Visit
    15 Year Fixed Refinance6.5%6.616%—Nov 2, 2026Visit
    20 Year Fixed Refinance6.625%6.719%—Nov 2, 2026Visit
    3 Year ARM Refinance6.375%7.14%—Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%6.941%—Nov 2, 2026Visit
    5 Year ARM Refinance6.5%7.084%—Nov 2, 2026Visit
    7 Year ARM Refinance6.625%7.075%—Nov 2, 2026Visit
    Visit ISLAND's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the 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

    ISLAND publishes mortgage lending in 1 state.

    New York

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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