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: 5.13%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Ocean Financial Federal Credit Union

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Ocean Financial Federal Credit Union Rates & Review October 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: October 9, 2026

Ocean Financial Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 6 Month CD, 5.13% APY on savings, 7.12% on its 15 Year Fixed mortgage, personal loans from 9.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Ocean Financial Federal Credit Union CD rates include 6 Month IRA CD at 4.00%, 6 Month Youth CD at 4.00%, and 1 Year CD at 3.50%. Other Ocean Financial Federal Credit Union mortgage rates include 30 Year Fixed at 7.50%, and 20 Year Fixed at 7.62%. MonitorBankRates evaluates the financial stability of Ocean Financial Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.96%. Rates last updated and verified on 10/09/2026.

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.

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

17.96%

Good 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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ocean Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.93%	4.00%	6 months
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
6 Month IRA Certificate	3.93%	4.00%	6 Month
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
6 Month Youth Certificate	3.93%	4.00%	6 Month
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
1 Year Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
1 Year IRA Certificate	3.45%	3.50%	1 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
1 Year Youth Certificate	3.45%	3.50%	1 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
2 Year Certificate	2.72%	2.75%	2 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
2 Year IRA Certificate	2.72%	2.75%	2 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
2 Year Youth Certificate	2.72%	2.75%	2 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
3 Year Certificate	2.72%	2.75%	3 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
3 Year IRA Certificate	2.72%	2.75%	3 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
3 Year Youth Certificate	2.72%	2.75%	3 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
4 Year Certificate	2.72%	2.75%	4 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
4 Year IRA Certificate	2.72%	2.75%	4 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
4 Year Youth Certificate	2.72%	2.75%	4 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
5 Year Certificate	2.72%	2.75%	5 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
5 Year IRA Certificate	2.72%	2.75%	5 Year
Min Deposit $500 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
5 Year Youth Certificate	2.72%	2.75%	5 Year
Min Deposit $100 Details Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Service Representative at Ocean Financial. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	5.00%	5.13%
Min Deposit $5 Min Balance $1,000 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. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.13% APY · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Super Saver	0.80%	0.80%
Min Balance $100,000 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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
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. Please see our Fee Schedule for further information. Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Regular Share Savings	0.10%	0.10%
Min Deposit $5 Details Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Specialty Share Savings (Christmas/Vacation)	0.10%	0.10%
Details Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	7.125%	-	7.376%	15 years
Details For Mortgage terms of 15 years estimated monthly payment is Rates are effective as of 10/05/26. All lending offers are subject to credit history review and approval. Applicants may be offered credit at a higher rate and/or term. Member conditions apply. Share savings account with minimum $5 balance required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.38% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
30 Year Fixed	7.50%	-	7.663%	30 years
Details For Mortgage terms of 30 years estimated monthly payment is Rates are effective as of 10/05/26. All lending offers are subject to credit history review and approval. Applicants may be offered credit at a higher rate and/or term. Member conditions apply. Share savings account with minimum $5 balance required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.66% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
20 Year Fixed	7.625%	-	7.837%	20 years
Details For Mortgage terms of 20 years estimated monthly payment is Rates are effective as of 10/05/26. All lending offers are subject to credit history review and approval. Applicants may be offered credit at a higher rate and/or term. Member conditions apply. Share savings account with minimum $5 balance required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.84% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity	-	-	6.49%	60 months
Details For Fixed Home Equity terms of 60 months estimated monthly payment is Rates are effective as of 12/15/25. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Fixed Home Equity	-	-	6.75%	120 months
Details For Fixed Home Equity terms of 120 months estimated monthly payment is Rates are effective as of 12/15/25. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Fixed Home Equity	-	-	7.25%	180 months
Details For Fixed Home Equity terms of 180 months estimated monthly payment is Rates are effective as of 12/15/25. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Fixed Home Equity	-	-	7.25%	240 months
Details For Fixed Home Equity terms of 240 months estimated monthly payment is Rates are effective as of 12/15/25. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Re-Finance (2019-2027)	-	-	4.74%	78 months
Details As Low As; Rates and terms accurate as of 4/06/2026. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates. For auto re-finance terms of 78 months Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans (2026-2027)	-	-	4.99%	66 months
Details As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans (2023-2026)	-	-	5.14%	66 months
Details As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.14% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans	-	-	5.24%	78 months
Details Additional APR listed for this product: 5.44%, 6.94%. As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.24% APR · checked 2 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans	-	-	5.84%	84 months
Details Additional APR listed for this product: 5.99%. As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.84% APR · checked 2 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans (2016-2018)	-	-	6.24%	66 months
Details As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.24% APR · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans	-	-	6.35%	90 months
Details As Low As; 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. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.35% APR · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Auto Loans	-	-	6.64%	96 months
Details As Low As; 96 Month NEW auto loan stipulation: Min loan amount $30,000. Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.64% APR · checked 3 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Classic Cars (25 Model Years and Older) Loan	-	-	6.99%	Up to 60 months
Details As Low As; Rates and terms accurate as of 4/06/26. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For new car terms of 66 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

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

Product	Rate	APR	Term
Boat and RV Loan	-	5.99%	Up to 60 months
Details 20% down payment required. For boats a survey is also required. For Boat & RV Loan terms of 60 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Boat and RV Loan	-	6.49%	61-120 months
Details 20% down payment required. For boats a survey is also required. For Boat & RV Loan terms of 60 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.49% APR · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Boat and RV Loan	-	6.99%	121-180 months
Details 20% down payment required. For boats a survey is also required. For Boat & RV Loan terms of 60 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.99% APR · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Regular	-	8.99%
Details Member conditions apply. Share Account with minimum $5 balance required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Visa Introductory	-	9.49%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 months; Regular APR: 9.49% - 16.49% Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 9.49% APR · checked 2 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%	66 months
Details For Personal Loan terms of 66 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

Ocean Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Catholic School Tuition Loan	-	-	6.25%	36 months
Details For Catholic School Tuition Loan terms of 36 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Credit Builder Loan	-	-	9.99%	12 months
Details For Credit Builder Loan terms of 12 months; applicants may be offered credit at higher rates and other terms. Loan rates featured are the lowest for the product advertised. Loan-to-value restrictions may apply. Membership conditions may apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Lease Buyouts (2023-2026) Loan	-	-	5.14%	66 months
Details As Low As; Rates and terms accurate as of 4/06/2026. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For lease buyout terms of 66 months Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.14% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Passbook Loan	-	-	3.10%	60 months
Details The Passbook loan rate is 3% above the account the applicant secures the funds with. For Passbook Loan terms of 60 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.10% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Wedding Loan	-	-	5.99%	48 months
Details For Wedding Loan terms of 48 months; applicants may be offered credit at higher rates and other terms. Advertised rates are the lowest available for this product. Not all applicants will be approved and some may be offered credit at different rates and terms, all subject to approval. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Escrow	0.10%	-	0.10%
Details Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
IRA	0.25%	-	0.25%
Details Rates effective as of 04/03/2023. All rates are subject to adjust without prior notice and may change after your account(s) is opened. Fees could reduce earnings on the account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%
Youth Share Account	-	-	5.00%
Min Balance $1,000 Details Specifically created for our members under 21 years old. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 2 times Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.96%

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.
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Financial Health History

Ocean Financial Federal Credit Union’s Texas Ratio rose from 7.25% in Q3 2023 to 17.96% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. 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
June 30, 2026	$403M	17.96%	4.8	B+
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

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 8

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

B+ (89/100)

Texas Ratio

17.96%

Return on Assets (ROA)

0.0585%

Return on Equity (ROE)

0.7163%

Non-Performing Loans Ratio (NPL)

2.21%

Total Assets

403,289,871

Total Amount of Shares and Deposits

377,665,816

Total Shares and Deposits < 1 Year

371,846,724

Total Shares and Deposits 1 3 Years

4,568,434

Total Shares and Deposits > 3 Years

1,250,658

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

52,213,790

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

52,213,790

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

325,452,026

Total Interest Expense (Sum of items 6 8)

4,145,968

Share Certificates

3,528

Number of Accounts for Share Drafts

7,691

IRA KEOGH Accounts

895

Number of Accounts for Regular Shares

15,293

Money Market Shares

2,489

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)

25,685,935

Total Liabilities

379,793,315

Source: NCUA — Last Updated 06/30/2026

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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.