What are the current interest rates at OceanFirst Bank?

Current rates for OceanFirst Bank include: Savings: 4.08%

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OceanFirst Bank Rates & Review October 2026

Q: How many branches does OceanFirst Bank operate?

OceanFirst Bank currently maintains approximately 73 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, OceanFirst Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OceanFirst Bank 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 7, 2026

OceanFirst Bank's top rates as of October 7, 2026 are 4.08% APY on its 9-Month CD, and 4.08% APY on savings, according to rates verified by MonitorBankRates. Other OceanFirst Bank CD rates include Business 9-Month CD at 4.08%. MonitorBankRates evaluates the financial stability of OceanFirst Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.26%. Rates last updated and verified on 10/07/2026.

OceanFirst Bank 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 OceanFirst Bank? Share your experience about OceanFirst Bank by leaving a review below, or read customer reviews before you decide to use OceanFirst Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.26%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

OceanFirst Bank, National Association

975 Hooper Ave
Toms River, NJ 08753

https://www.oceanfirst.com

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

OceanFirst Bank CD Rates

Product	Rate	APY	Term	View More
9 Month CD	4.01%	4.08%	9 Month
Min Deposit $5,000 Min Balance $5,000 Details Limited Time Offer. NEW CUSTOMER ONLY. NEW MONEY REQUIRED. IRA ELIGIBLE. Offer good for the initial term only. CD is automatically renewed for a 9-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rates and APYs are offered at the bank's discretion and may change daily. Actual earnings may vary. $100,000.00 maximum funding without Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. Promotional APY increase and $250,000.00 maximum funding amount only with a Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. OceanFirst Bank employees can open any OceanFirst checking account for promotional APY increase. Promotional APY increase will be retroactive to the first day of the month the qualifying checking account is opened. Offer only available to new deposit customers, loan-only customers or employees of the bank who open a new 9-month CD Special. New customer is defined as someone who has not had a checking, savings or CD account with the bank within the last 12 months and must be opened with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply. Government accounts excluded. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

OceanFirst Bank Business CD Rates

Product	Rate	APY	Term	View More
Business 9 Month CD	4.01%	4.08%	9 Month
Min Deposit $5,000 Min Balance $5,000 Details Limited Time Offer. NEW CUSTOMER ONLY. NEW MONEY REQUIRED. IRA ELIGIBLE. Offer good for the initial term only. CD is automatically renewed for a 9-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rates and APYs are offered at the bank's discretion and may change daily. Actual earnings may vary. $100,000.00 maximum funding without Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. Promotional APY increase and $250,000.00 maximum funding amount only with a Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. OceanFirst Bank employees can open any OceanFirst checking account for promotional APY increase. Promotional APY increase will be retroactive to the first day of the month the qualifying checking account is opened. Offer only available to new deposit customers, loan-only customers or employees of the bank who open a new 9-month CD Special. New customer is defined as someone who has not had a checking, savings or CD account with the bank within the last 12 months and must be opened with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply. Government accounts excluded. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

OceanFirst Bank Savings Rates

Product	Rate	APY	View More
High Yield Savings+	4.01%	4.08%
Min Deposit $500 Min Balance $500 Details Qualifications Required: 2 qualifying recurring electronic direct deposits must post to the new FreeStyle Checking account within 60 days of opening the High Yield Savings+ account; at least one must come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new FreeStyle Checking account by your employer or outside agency via ACH; Limited Time Offer. NEW CUSTOMER ONLY. NEW MONEY REQUIRED. All annual percentage yields (APYs) on interest bearing accounts subject to change at any time at our discretion and without notice. Offer only available to new deposit customers or CD-only customers or loan-only customers of the bank who open a new OceanFirst High Yield Savings+ account. New customer is defined as someone who has not had a checking or savings account with the bank within the last 12 months and must be opened with funds not currently on deposit at OceanFirst Bank. If the balance falls below $500.00 during the statement cycle, a $5 monthly balance fee will apply. $250,000 maximum funding per account. Additionally, eligibility for this offer requires that all the following conditions are met: a new FreeStyle Checking account (FreeStyle+ Checking excluded) must be opened and a minimum of two (2) qualifying recurring electronic direct deposits must post to the new FreeStyle Checking account within 60 days of opening the High Yield Savings+ account. Qualifying direct deposits must be a minimum of $5.00 and at least one must come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new FreeStyle Checking account by your employer or outside agency via ACH. OceanFirst Bank employee eligibility requires any new OceanFirst checking account and a minimum of two (2) qualifying recurring electronic direct deposits must post to the checking account within 60 days of opening the High Yield Savings+ account. If all offer requirements are not met, the account will default to earning the prevailing rate of the Statement Savings Account at that time. A $5.00 excess transaction fee will apply for each withdrawal or transfer over three (3) per statement cycle. A $5.00 paper statement fee may apply. Fees may reduce earnings. Business accounts and government accounts are not eligible. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.26%

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

OceanFirst Bank’s Texas Ratio rose from 1.82% in Q3 2023 to 5.26% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$23.2B	5.26%	5.0	A+
March 31, 2026	$14.5B	2.56%	5.0	A+
December 31, 2025	$14.5B	2.20%	5.0	A+
September 30, 2025	$14.2B	2.86%	5.0	A+
June 30, 2025	$13.2B	2.45%	5.0	A+
March 31, 2025	$13.2B	2.29%	5.0	A+
December 31, 2024	$13.3B	2.21%	5.0	A+
September 30, 2024	$13.4B	1.67%	5.0	A+
June 30, 2024	$13.2B	2.01%	5.0	A+
March 31, 2024	$13.3B	2.11%	5.0	A+
December 31, 2023	$13.4B	1.78%	5.0	A+
September 30, 2023	$13.4B	1.82%	5.0	A+

Source: FDIC 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 OceanFirst Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather OceanFirst Bank 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 OceanFirst Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OceanFirst Bank

Bank Holding Company OCEANFIRST FINANCIAL CORP

Address 975 Hooper Ave, Toms River, NJ 08753 · Ocean

Website https://www.oceanfirst.com

FDIC Certificate # 28359

Established 19020101

FDIC Insurance Date 19890809

Domestic Offices 72

Total Branches 73

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3452%

Return on Equity (ROE) 2.9000%

Non-Performing Loans (NPL) 0.56%

Total Assets $23,172,826,000

Total Deposits $17,958,463,000

Equity Capital $2,711,634,000

Net Income $29,983,000

Headquarters Toms River

Total Branches and Offices 72

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

OceanFirst Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About OceanFirst Bank

How many branches does OceanFirst Bank operate?

OceanFirst Bank currently maintains approximately 73 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, OceanFirst Bank 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, OceanFirst Bank provides members with tools to manage their accounts and build a solid financial history.

Does OceanFirst Bank offer online and mobile banking?

Most modern institutions like OceanFirst Bank 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://www.oceanfirst.com.