What are the current interest rates at Ocean Financial Federal Credit Union?

Current rates for Ocean Financial Federal Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 0.10%

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Ocean Financial Federal Credit Union

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Ocean Financial Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ocean Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Ocean Financial Federal Credit Union's 6 Month CD rates are at 4.00%, 6 Month IRA CD rates are at 4.00%, 6 Month Youth CD rates are at 4.00%, 1 Year CD rates are at 3.50%, 1 Year IRA CD rates are at 3.50%. Ocean Financial Federal Credit Union's savings rates are at 0.10%. Ocean Financial Federal Credit Union's Auto Loan Rates are as low as 5.24%. Ocean Financial Federal Credit Union's Credit Card Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Ocean Financial Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.22%. Rates last updated and verified on 09/21/2026.

Ocean Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ocean Financial Federal Credit Union? Share your experience about Ocean Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ocean Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.22%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ocean Financial Federal Credit Union
Oceanside

45 Atlantic Ave
Oceanside, NY 11572-2035

https://oceanfinancial.org

Ocean Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.93%	4.00%	6 Month
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month IRA Certificate	3.93%	4.00%	6 Month
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
6 Month Youth Certificate	3.93%	4.00%	6 Month
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year IRA Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
1 Year Youth Certificate	3.45%	3.50%	1 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year Certificate	2.72%	2.75%	2 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year IRA Certificate	2.72%	2.75%	2 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
2 Year Youth Certificate	2.72%	2.75%	2 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Certificate	2.72%	2.75%	3 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year IRA Certificate	2.72%	2.75%	3 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
3 Year Youth Certificate	2.72%	2.75%	3 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
4 Year Certificate	2.72%	2.75%	4 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
4 Year IRA Certificate	2.72%	2.75%	4 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
4 Year Youth Certificate	2.72%	2.75%	4 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
5 Year Certificate	2.72%	2.75%	5 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
5 Year IRA Certificate	2.72%	2.75%	5 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
5 Year Youth Certificate	2.72%	2.75%	5 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Ocean Financial Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	5.00%	5.13%
Min Deposit $5 Min Balance $5 Details Youth Savings available to members under the age of 21 years old and earns 5.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Youth & Young Adult Savings	-	5.00%
Details Specifically created for our members under 21 years old. Earns 5.00% APY on balances up to $1,000! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.90%	0.90%
Min Balance $300,000 Details Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.80%	0.80%
Min Balance $100,000 Details Balance: $100,000 - $299,999.99; Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.75%	0.75%
Min Balance $50,000 Details Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.70%	0.70%
Min Balance $25,000 Details Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.65%	0.65%
Min Balance $1,000 Details Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Super Saver	0.60%	0.60%
Min Balance $5 Details Withdrawals from a Super Saver account are limited to eight (8) per month. A fee will be charged after the eighth withdrawal within a single month. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Regular Share Savings	0.10%	0.10%
Min Deposit $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Specialty Share Savings (Christmas/Vacation)	0.10%	0.10%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Ocean Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.24%	78 months
Details Rates and terms accurate as of 4/06/26. Rate assumes LTV of 125% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans (2019-2022)	-	-	5.44%	78 months
Details Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans	-	-	5.84%	84 months
Details 84-month used auto stipulations: Minimum loan amount is $20,000 and cannot be more than 4 years older than the current year. Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans (2019-2022)	-	-	5.99%	84 months
Details Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans (2016-2018)	-	-	6.24%	66 months
Details Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans	-	-	6.35%	90 months
Details 90 Month auto loan stipulations: Min loan amount $30,000- cannot be more than TWO years older than current year. 100% LTV Max. Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans	-	-	6.64%	96 months
Details 96 Month NEW auto loan stipulation: Min loan amount $30,000. Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Auto Loans (2016-2018)	-	-	6.94%	78 months
Details Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Classic Cars (25 Model Years and Older) Loan	-	-	6.99%	Up to 60 months
Details Rates and terms accurate as of 4/06/26. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Ocean Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat and RV Loan	-	6.49%	61-120 months
Details 20% down payment required. For boats a survey is also required. APR accurate as of 12/04/23 for qualified applicants only, and is subject to change without prior notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Boat and RV Loan	-	6.99%	121-180 months
Details 20% down payment required. For boats a survey is also required. APR accurate as of 12/04/23 for qualified applicants only, and is subject to change without prior notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Ocean Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Regular	-	8.99%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
Visa Introductory	-	9.49%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 months; Regular APR: 9.49% - 16.49% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Ocean Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Escrow	0.10%	-	0.10%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%
IRA	0.25%	-	0.25%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ocean Financial Federal Credit Union’s Texas Ratio rose from 7.75% in Q2 2023 to 10.22% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$402M	10.22%	5.0	A
December 31, 2025	$408M	11.84%	5.0	A
September 30, 2025	$398M	11.81%	5.0	A
June 30, 2025	$383M	10.58%	5.0	A
March 31, 2025	$381M	10.92%	5.0	A
December 31, 2024	$369M	11.80%	5.0	A
September 30, 2024	$374M	11.49%	5.0	A
June 30, 2024	$363M	14.18%	5.0	A-
March 31, 2024	$358M	7.15%	5.0	A
December 31, 2023	$359M	10.07%	5.0	A
September 30, 2023	$357M	7.25%	5.0	A
June 30, 2023	$362M	7.75%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ocean Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Ocean Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ocean Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ocean Financial Federal Credit Union

Website https://oceanfinancial.org

Address 45 Atlantic Ave, Oceanside, NY 11572-2035

Phone 516-620-8100

Fax 516-620-8080

President Timothy Johnson

CEO Joseph Tedesco

Full-Time Employees 37

Part-Time Employees 9

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.22%

Return on Assets (ROA)

0.0546%

Return on Equity (ROE)

0.6658%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

401,508,701

Total Amount of Shares and Deposits

375,703,940

Total Shares and Deposits < 1 Year

369,518,500

Total Shares and Deposits 1 3 Years

5,206,215

Total Shares and Deposits > 3 Years

979,225

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

51,586,436

Total Uninsured Shares and Deposits > $250K (F+J)

51,586,436

Total Insured Shares and Deposits > $250K (item 17 less item K)

324,117,504

Total Interest Expense (Sum of items 6 8)

2,054,512

Share Certificates

3,462

Number of Accounts for Share Drafts

7,676

IRA KEOGH Accounts

899

Number of Accounts for Regular Shares

15,240

Money Market Shares

2,491

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,690,146

Total Liabilities

377,782,080

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ocean Financial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Ocean Financial Federal Credit Union

How many branches does Ocean Financial Federal Credit Union operate?

Ocean Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Ocean Financial Federal Credit Union?

Yes, to access services at Ocean Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Ocean Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ocean Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ocean Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Ocean Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://oceanfinancial.org.

Current Ocean Financial Federal Credit Union Rates

12-Month CD3.50%
24-Month CD2.75%
60-Month CD2.75%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Ocean Financial Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ocean Financial Federal Credit Union Texas Ratio

Ocean Financial Federal Credit Union Health Trend

Ocean Financial Federal Credit Union CD Rates

Ocean Financial Federal Credit Union Savings Rates

Ocean Financial Federal Credit Union Auto Loan Rates

Ocean Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Ocean Financial Federal Credit Union Credit Card Rates

Ocean Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ocean Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ocean Financial Federal Credit Union

How many branches does Ocean Financial Federal Credit Union operate?

Is a member application needed to join Ocean Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ocean Financial Federal Credit Union offer online and mobile banking?

Current Ocean Financial Federal Credit Union Rates

Compare to Other Credit Unions