We are celebrating Ocean Financial’s 50 anniversary, honoring our past and inspiring our future. We know that we have you, our members, to thank for our growth and success throughout the years. It has been a great pleasure serving you and we are honored to continue this relationship in the forthcoming years with great reverence and respect.

Help us celebrate, we invite you to share your stories with us – how has OFFCU helped you? Submit your stories to marketing@oceanfinancial.org. Help us share the love.

We’d like to share the love with you too with these amazing offers:

$100 bill folded into a house

Intro rate for HELOC***
We are lowering our Home Equity Line of Credit Introductory Rate by .50% – now 2.24% APR.

Apply Now

Hand holding an OFFCU Visa Credit Card

$50 when you open an OFFCU Visa® Card**
Apply for a new Ocean Financial Visa credit card and we’ll put $50 cash into your Share Savings account.

Apply Now

**$50 will be deposited into a member’s Share Savings account when they apply, and are approved, for a new Visa® credit card.  Member must be a first-time Ocean Financial Visa credit card holder.  This promotion will only be eligible for Visa credit cards applied for between February 19, 2019 and December 31, 2019.  Member must be in good standing to qualify.


***APR=Annual Percentage Rate. Rates and terms accurate as of 2/19/2019 and are subject to change without notice. All offers of credit are subject to credit approval; 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. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs between $50,000 and $250,000. Rates advertised are for primary residence. The promotional introductory rate for HELOC is 2.24% APR for 12 months. This promotional introductory rate will only be eligible for HELOCs applied for between February 25, 2019 and December 31, 2019. For Home Equity Lines up to $250,000 a minimum balance of at least $25,000 must remain open and be maintained for 36 months after the funding date of the Line of Credit to avoid payment of closing costs. Introductory Rate is not available to members who have an existing Ocean Financial Home Equity Line of Credit. Borrower may obtain credit advances for 10 years. HELOC is a variable rate product with a maximum rate of 18.00% APR. ** After the introductory period, your APR will vary with the market based on the Prime Rate. Prime rate as of 12/20/2018 = 5.50% APR as published in the Wall Street Journal. The floor APR is 3.00% APR plus your margin.