Feel Free!

Ocean Financial’s Low Rate Visa® Balance Transfer will free you from high interest credit card rates.

When you use your Ocean Financial Visa credit card for a balance transfer:
  • A rate as low as 4.99% APR* for 12 months – keep it simple by moving your high-interest balances onto one card with one low monthly payment. 
  • $0 balance transfer fee. At Ocean Financial, you won't pay anything when you bring your balances over to us.
  • $0 surprise fees – No annual fee, no additional card fee, no application fee, no transaction fee on purchases.

Download the form to transfer your high interest balances now!

Learn More –

Call 516.620.8100

*APR accurate as of 1/01/2023 and is subject to change without notice. 4.99% APR Transfer Promo rate is for a promotional term for qualified applicants only for balance transfers made between 01/01/2023 through 03/31/2023. Some applicants may be offered credit at a higher APR and different terms. After 12 statement cycles, Transfer Promo rate adjusts to Non-Variable APR, with a minimum of 9.49% and a maximum of 16.49%, based on your creditworthiness. Free Visa® Rewards are from UChoose Rewards®, free registration required to redeem points. Member conditions apply. Share Account with minimum $5 balance required.

**New card applications are eligible for EITHER an Introductory Rate as low as 1.99% APR for six (6) months or a Transfer Rate as low as 4.99% APR for 12 months.  Promotional rates cannot be combined.  Cards activated after October 1, 2022 are not eligible for the balance transfer promotion.