Many Advantages, One Reason

How can you benefit by banking at Suffolk Federal? Let us count the ways.

Sure, you’ll earn more—and save more—on your banking with our great credit union rates, but we also offer our members many other advantages of a credit union. Why? For one reason: We simply appreciate that you’ve chosen to bank at Suffolk Federal.

Take a look at the many value-added benefits membership provides.

Bonus Incentive Program

Suffolk Federal provides incentives to our members based on your level of participation at the credit union. The more products and services you use, the more you save!

Bonus Incentive Program benefits provide:

Bonus Incentive Program RequirementsSilver LevelGold LevelPlatinum Level
Aggregate Loan Balances (non-mortgage)$1,000$5,000$10,000
Active Checking AccountYesYesYes
Bill Pay Transactions--One per month
Debit Card Signature Transactions-One per monthOne per month
Suffolk Federal Bonus Incentive Program BenefitsSilver LevelGold LevelPlatinum Level
Rate Discount on your Next Loan*0.05%0.15%0.30%
Mortgage Closing Bonus**$100$200$400
Monthly Credit towards Fees$0$5$10

*Loans exclude mortgage, business, and variable rate loans. Bonus Incentive Program levels are updated quarterly. Refinancing of Suffolk Federal loans or mortgages is not eligible for rate discounts or fee credits. This program is membership-based, not individual based. Fee credits are paid monthly and do not roll over into the next month.

**Amount may be reported under applicable IRS tax requirements.

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Credit Union Travel

Credit Union Travel is a discount travel site exclusively for credit union members. You can book hotels, flights, cruises, and more all around the globe. Credit Union Travel members save an average of $46 per night on hotels when compared to the “big name” travel sites, and there’s never a membership fee because you’re a member of Suffolk Federal.

Activate your free membership today!

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Entertainment Discounts

Plum BenefitsTM is part of TicketsatWork®, the nation’s leading entertainment benefits and perks provider, connecting you to the world’s greatest entertainment and travel discounts including:

  • Theme parks
  • Sporting events
  • Movie tickets
  • Rental cars
  • Hotel stays and more!

Signing up for Plum BenefitsTM is simple. First, request your Plum BenefitsTM membership access code by doing one of the following:

  • Call 631.924.8000 to ask a representative for your Plum Benefits access code.*
  • Contact us and type “Plum Benefits access code request” in the comments section.
  • Send a request through Online Banking’s secured messages that says, “Send me my Plum Benefits membership access code.”

Once you have your access code, visit, click Become a Member and submit your information along with the code. Now, you’re ready to purchase tickets directly on Plum Benefits’ secure site.

*Access Code: Your membership access code is provided by Suffolk Federal. This website is for members and employees only, and products listed are not available to the general public. Need help with your membership access code? Call 1.877.868.7758 (customer service is available seven days a week from 8:30 a.m. – Midnight EST).


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Financial Counseling

Suffolk Federal Credit Union members have access to free debt and budget counseling provided by Money Management International (MMI), the nation’s leading non-profit financial counseling organization.


Debt and Budget Counseling

Not sure where to start? A free Budget and Debt Counseling Session will help you gain a better understanding of your financial situation, including personalized suggestions for managing money and paying off debt.

In addition, MMI offers specialized services including:

  • Debt Management Plans
  • Credit Report Review
  • Student Loan Counseling
  • Foreclosure Prevention
  • Reverse Mortgage Counseling
  • Pre-Purchase Housing Counseling
  • Bankruptcy Counseling and Education
  • Representative Payee Services

As a non-profit charitable organization, MMI is always on your side.

(877) 311-2227


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Financial Empowerment: Online Workshop

Offered in both English and Spanish, Suffolk Federal offers a series of free, easy-to-use online modules that can help lead you down the road to financial empowerment. Learn more about Savings, Investments, Auto Loan, Overdraft, Mobile Payments, Checking Accounts, Credit Cards, Credit Scores & Reports, Mortgages, Education Savings, Identity Protection and much more! Get started today!


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LifeLock® Identity Theft Protection

LifeLock® identity theft protection helps to proactively safeguard your personal information and alerts you of potential threats.

LifeLock® membership includes:

  • Identity Threat Detection and Alerts
  • Lost wallet protection
  • Address change verification
  • Black Market website surveillance
  • Reduced preapproved credit card offers
  • Award-winning member service 24/7/365

Network does not cover all transactions and scope may vary.

Enroll now


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Scholarship Program

Suffolk Federal offers local Suffolk County students a wonderful opportunity to win academic scholarships to Suffolk County Community College to ensure their hopes of attending college can come true. Through this program and partnership, nine scholarships are awarded ranging from $2,150 to $12,550 each. Click here to learn more.


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