Rates

Current Share Rates
Account Type
APY*
Account Type Regular Share Savings
APY* 0.15%
Account Type Checking
APY* 0.00%
Account Type Youth Savings (up to $1,000)
APY* 4.00%
Account Type Escrow
APY* 0.10%
Account Type IRA
APY* 0.25%
Account Type Specialty Share Savings (Christmas/Vacation)
APY* 0.15%
Account Type Super Saver ($100 - $24,999.99)
APY* 0.40%
Account Type Super Saver ($25,000 - 49,999.99)
APY* 0.50%
Account Type Super Saver ($50,000 - $99,999.99)
APY* 0.60%
Account Type Super Saver ($100,000 - $299,999.99)
APY* 1.00%
Account Type Super Saver ($300,000+)
APY* 1.10%
*APY=Annual Percentage Yield. Rates effective as of 10/1/2018. All rates are subject to adjust without prior notice and may change after your account(s) is opened. $5 minimum deposit required for Share Accounts, except Super Saver and Certificates, where minimum to earn respective dividend per tier is noted above. Youth Savings available to members under the age of 21 years old and earns 4.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificates and Super Saver accounts. Fees could reduce earnings on the account.
Current Share Certificate Rates
Share Certificate Terms - $1,000 Minimum
Rate
APY*
Share Certificate Terms - $1,000 Minimum 6 Month Certificate
Rate 1.00%
APY* 1.00%
Share Certificate Terms - $1,000 Minimum 1 Year Certificate
Rate 2.00%
APY* 2.02%
Share Certificate Terms - $1,000 Minimum 16-Month Promotional Certificate**
Rate 2.57%
APY* 2.60%
Share Certificate Terms - $1,000 Minimum 2 Year Certificate
Rate 2.10%
APY* 2.12%
Share Certificate Terms - $1,000 Minimum 3 Year Certificate
Rate 2.47%
APY* 2.50%
Share Certificate Terms - $1,000 Minimum 4 Year Certificate
Rate 2.57%
APY* 2.60%
Share Certificate Terms - $1,000 Minimum 5 Year Certificate
Rate 2.71%
APY* 2.75%
*APY=Annual Percentage Yield. Rates effective as of 11/5/2018. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. **APY=Annual Percentage Yield. Rates effective as of 10/1/2018. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. The 16-Month Certificate is a promotional Certificate and will roll over to your Ocean Financial Federal Credit Union Share Savings Account at maturity.
Current IRA Share Certificate Rates
IRA Share Certificate Terms - $1,000
Rate
APY*
IRA Share Certificate Terms - $1,000 6 Month IRA Certificate
Rate 1.00%
APY* 1.00%
IRA Share Certificate Terms - $1,000 1 Year IRA Certificate
Rate 2.00%
APY* 2.02%
IRA Share Certificate Terms - $1,000 16-Month Promotional Certificate
Rate 2.57%
APY* 2.60%
IRA Share Certificate Terms - $1,000 2 Year IRA Certificate
Rate 2.10%
APY* 2.12%
IRA Share Certificate Terms - $1,000 3 Year IRA Certificate
Rate 2.47%
APY* 2.50%
IRA Share Certificate Terms - $1,000 4 Year IRA Certificate
Rate 2.57%
APY* 2.60%
IRA Share Certificate Terms - $1,000 5 Year IRA Certificate
Rate 2.71%
APY* 2.75%
*APY=Annual Percentage Yield. Rates effective as of 11/5/2018. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. **APY=Annual Percentage Yield. Rates effective as of 10/1/2018. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates. For more information, please speak with a Member Contact Representative at Ocean Financial. The 16-Month Certificate is a promotional Certificate and will roll over to your Ocean Financial Federal Credit Union Share Savings Account at maturity.
Loan Rates
Loan Type
Max. Term
APR As Low As*
Loan Type Passbook
Max. Term 60 months
APR As Low As* 3.30%
Loan Type Personal
Max. Term 60 months
APR As Low As* 9.99%
Loan Type New Car**
Max. Term 60 months
APR As Low As* 2.74%
Loan Type New Car**
Max. Term 72 months
APR As Low As* 3.20%
Loan Type New Car**
Max. Term 84 months
APR As Low As* 3.44%
Loan Type Used Car**
Max. Term 60 months
APR As Low As* 2.74%
Loan Type Used Car**
Max. Term 72 months
APR As Low As* 3.20%
Loan Type Used Car**
Max. Term 84 months
APR As Low As* 3.99%**
Loan Type Home Improvement
Max. Term 84 months
APR As Low As* 7.75%
Loan Type Visa Introductory
Max. Term 12 months***
APR As Low As* 1.99%
Loan Type Visa Regular
Max. Term N/A
APR As Low As* 9.49%
Loan Type Overdraft Line of Credit****
Max. Term N/A
APR As Low As* 16.00%
Loan Type Catholic School Tuition Loan (max. loan amount - $7,000)
Max. Term 36 months
APR As Low As* 6.25%
*APR=Annual Percentage Rate. Rates are effective as of 7/2/2018. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a different rate and/or term. **Rates and terms accurate as of 10/15/2018. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For terms of 60 months estimated monthly payment of $17.85 per $1,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 2.74%. Rate assumes LTV of 115% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $20,000 and cannot be more than 2 years older than the current year. ***APR accurate as of 9/1/2018 and is subject to change without notice. 1.99% Intro APR for is a promotional term for qualified applicants only. Some applicants may be offered credit at a higher APR and different terms. After twelve (12) statement cycles, Intro APR adjusts to Non-Variable APR, with a minimum of 8.99% and a maximum of 15.99%, 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. ****APR accurate as of 7/2/2018. Maximum line of credit amount is $2,500.
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Real Estate Loan Rates
Loan Type
Max. Term
APR As Low As*
Loan Type Fixed Home Equity
Max. Term 60 months
APR As Low As* 4.125%
Loan Type Fixed Home Equity
Max. Term 120 months
APR As Low As* 4.875%
Loan Type Fixed Home Equity
Max. Term 180 months
APR As Low As* 5.875%
Loan Type Fixed Home Equity
Max. Term 240 months
APR As Low As* 6.125%
Loan Type No Closing Cost Home Equity Line of Credit**
Max. Term 12 month intro
APR As Low As* 2.74%
Loan Type No Closing Cost Home Equity Line of Credit
Max. Term Thereafter
APR As Low As* Prime is currently 5.25%
*APR=Annual Percentage Rate. Rates are effective as of 12/12/2018. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. **APR=Annual Percentage Rate. Rates and terms accurate as of 12/12/2018 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 introductory rate for HELOC is 2.74% APR for 12 months. 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 12/12/2018 = 5.25% APR as published in the Wall Street Journal. The floor APR is 3.00% APR plus your margin.
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Mortgage Loans
Loan Type
Rate
APR*
Points
Loan Type 15-Year Fixed
Rate 4.375%
APR* 4.49%
Points 0.00%
Loan Type 30-Year Fixed
Rate 4.750%
APR* 4.95%
Points 0.00%
Loan Type 5/1 ARM
Rate 4.625%
APR* 4.78%
Points 0.00%
*APR=Annual Percentage Rate. Rates are effective as of 12/12/2018. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term.
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