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 Credit$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.

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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

Patchogue Theatre for the Performing Arts

See what’s playing at the Patchogue Theatre for the Performing Arts! Get 20% discount on any of the main stage shows. The theatre is a nonprofit arts organization that enriches, educates, and entertains a diverse audience by cultivating and showcasing a broad variety of performing artists and it is the largest theatre in Suffolk County with over 1100 seats.

To receive your discount, call the box office at 631.207.1313 or visit the theatre. Tell them you saw the offer on the Suffolk Federal website!

For more information on upcoming shows, visit


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 631.714.2974 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

As a benefit of your credit union membership, we offer FREE unlimited access to financial education and counseling services through GreenPath, a financial counseling program that has been serving families for more than 50 years.

 As a member, you can receive assistance with:

Visit GreenPath, call 877-337-3399, or sign up for their informative monthly e-newsletter today!

 Suffolk Federal also offers our members access to BudgetSmart, a tool to:

  • Determine how you want to spend your income.
  • Track how you are actually spending your income.
  • Learn how to adjust areas where you are overspending.
  • Determine how a major purchase or change in income would impact your budget.

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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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Fraud Protection

At Suffolk Federal, protecting our credit union members from fraud is a top priority. We’re committed to ensuring the safety of your information. First and foremost, please do not disclose any personally identifying information if requested from an unsolicited email, text message or phone call that may seem like it’s been sent by Suffolk Federal. This includes:

  • Account information
  • Social Security number
  • Mother’s maiden name
  • Online Banking access code
  • Account access code
  • ATM card PIN
  • Credit card number, expiration date or PIN

The questions may seem reasonable to answer, but Suffolk Federal never requests information in this manner. This is considered “phishing.” We utilize various measures to protect your privacy and understand your security concerns. Please contact Suffolk Federal about any such solicitation immediately or simply delete. Do not open. For more information, read our Privacy Policy. For more information on “phishing” scams—and how to avoid them—visit

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Income Tax Preparation Services

During tax season, members can receive help from our tax specialist to provide every tax & related services that you’ll need, now, or in the future.

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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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Membership Anniversary Rewards

At Suffolk Federal, we appreciate your membership and the many years you have spent banking with us. It’s our pleasure to present you with a token of our appreciation!

Select the icon for the Suffolk Federal anniversary you’re celebrating to receive a special gift! Enter the personal gift redemption code that you’ve received in the mail, select your gift and complete the mailing information. Your gift will arrive in two to four weeks.* It’s a privilege to serve you.

* Please note that all gift options are subject to change based on availability.

5 Year Anniversary
5 Year Anniversary
5 Year Anniversary
5 Year Anniversary


Questions about our Membership Anniversary Program? Contact us today or visit one of our convenient branch locations throughout Suffolk County, NY.

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Scholarship Program

Suffolk Federal is offering 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, six scholarships will be awarded ranging from $5,000 to $10,000 each.  Application deadline is now past. Recipients for the following scholarships will be awarded in June 2019.

  • The scholarships* are:
    • Navy SEAL LT Michael P. Murphy Memorial Scholarship
    • The Michael E. Reilly Scholarship for Excellence in Fire and Emergency Medical Technology
    • The Suffolk Federal Scholarship

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Sprint Works

Sprint Works
Here’s another reason to love your credit union! It’s our way of showing unlimited love. Get a $100 cash reward for every new line activated with Sprint®. And now, for a limited time, this offer is available on unlimited lines! Plus $100 cash reward each year in loyalty rewards. 

Register at

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*If students are related to a member, they are eligible to apply, however if they are selected they must have an account with Suffolk Federal prior to the awards ceremony.