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 Ocean Financial Federal Credit Union Rates & Review June 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: June 16, 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 Personal Loan Rates are at 9.99%. 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 11.81%. Rates were last updated on 06/16/2026. 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. Ocean Financial Federal Credit Union
Oceanside 45 Atlantic Ave
https://oceanfinancial.org Oceanside, NY 11572 2035 
Ocean Financial Federal Credit Union CD Rates
Ocean Financial Federal Credit Union Savings Rates
Ocean Financial Federal Credit Union Checking Rates
Ocean Financial Federal Credit Union Mortgage Rates
Ocean Financial Federal Credit Union Home Equity & HELOC
Ocean Financial Federal Credit Union Auto Loan Rates
Ocean Financial Federal Credit Union Credit Card Rates
Ocean Financial Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.81%
Return on Assets (ROA)
0.0664%
Return on Equity (ROE)
0.8085%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
397,938,662
Total Amount of Shares and Deposits
363,604,312
Total Shares and Deposits < 1 Year
356,770,157
Total Shares and Deposits 1 3 Years
5,619,426
Total Shares and Deposits > 3 Years
1,214,729
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
48,826,935
Total Uninsured Shares and Deposits > $250K (F+J)
48,826,935
Total Insured Shares and Deposits > $250K (item 17 less item K)
314,777,377
Total Interest Expense (Sum of items 6 8)
6,154,985
Share Certificates
3,384
Number of Accounts for Share Drafts
7,612
IRA KEOGH Accounts
918
Number of Accounts for Regular Shares
15,208
Money Market Shares
2,455
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
35,695,937
Total Liabilities
375,911,446
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Ocean Financial Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Ocean Financial Federal Credit Union
Frequently Asked Questions About Ocean Financial Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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