Ocean Financial Federal Credit Union Rates and Review January 2026
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Brian McKay
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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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Compare Ocean Financial Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Ocean Financial Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityOcean 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 CD rates or 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, Ocean Financial Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Ocean Financial Federal Credit Union Oceanside 45 Atlantic Ave Oceanside, NY 11572 2035  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonLow Rate Credit Card
13.240%
Visa or MasterCard
9.990%
Credit Line $500-$7,000
Academic VISA® Classic
15.400%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonVacation Loans
10.490%
$0
Personal Loan
10.490%
$0
60 - 60
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Ocean Financial Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Ocean Financial Federal Credit Union
Website: https://oceanfinancial.org
Full Time Employees: 37Part Time Employees: 8 President: Timothy Johnson CEO: Joseph Tedesco Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
45 Atlantic Ave
Oceanside, NY 11572 2035 Phone Number: 516-620-8100 Fax Number: 516-620-8080 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Ocean Financial Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Ocean Financial Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Ocean Financial Federal Credit Union provides a range of mortgage and home equity products. Is Ocean Financial Federal Credit Union a safe place to deposit money?Yes, Ocean Financial Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Ocean Financial Federal Credit Union offer online and mobile banking?Most modern institutions like Ocean Financial Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 4.00%, 6-month CD rates at 3.70% and 3-month CD rates at 3.50%. Savings rates are at 0.02% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.78%. Credit Card rates are at 18.00%. Personal Loan rates are at 5.74%. All these rates, and more, can be found in our database of rates which you can compare to 
