Rates

Current Share Rates
Account Type
APY*
Account Type Regular Share Savings
APY* 0.30%
Account Type Youth Savings (up to $1,000)
APY* 4.00%
Account Type Checking
APY* 0.10%
Account Type Escrow
APY* 0.10%
Account Type IRA
APY* 0.35%
Account Type Specialty Share Savings (Christmas/Vacation)
APY* 0.30%
Account Type Super Saver ($10,000 - $24,999)
APY* 0.30%
Account Type Super Saver ($25,000 - 49,999)
APY* 0.40%
Account Type Super Saver ($50,000 - $99,999)
APY* 0.50%
Account Type Super Saver ($100,000+)
APY* 0.50%
*APY=Annual Percentage Yield. Rates effective as of 1/17/2017. 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; 0.30% APY 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
APY*
Share Certificate Terms - $1,000 Minimum 6 Month Certificate
APY* 0.70%
Share Certificate Terms - $1,000 Minimum 1 Year Certificate
APY* 1.00%
Share Certificate Terms - $1,000 Minimum 2 Year Certificate
APY* 1.51%
Share Certificate Terms - $1,000 Minimum 3 Year Certificate
APY* 1.86%
Share Certificate Terms - $1,000 Minimum 4 Year Certificate
APY* 1.97%
Share Certificate Terms - $1,000 Minimum 5 Year Certificate
APY* 2.44%
*APY=Annual Percentage Yield. Rates effective as of 6/12/2017. 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; 0.30% APY 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.
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* 9.74%
Loan Type New Car**
Max. Term 60 months
APR As Low As* 1.74%
Loan Type New Car**
Max. Term 72 months
APR As Low As* 2.20%
Loan Type New Car**
Max. Term 84 months
APR As Low As* 2.44%
Loan Type Used Car**
Max. Term 60 months
APR As Low As* 1.99%
Loan Type Used Car**
Max. Term 72 months
APR As Low As* 2.45%
Loan Type Used Car**
Max. Term 84 months
APR As Low As* 3.24%**
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* 8.99%
*APR=Annual Percentage Rate. Rates are effective as of 7/01/2017. 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. **Rates and terms accurate as of 7/01/2017. Rates and terms 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. For terms of 60 months estimated monthly payment of $17.42 per $1,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 1.74%. 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. ***Data accurate as of 7/1/2017 and is subject to change without notice. 1.99% Intro APR 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 Variable APR, with a minimum of 8.99% and a maximum of 15.99%, based on your creditworthiness. Extended introduction period is only valid for new Visa credit card loans applied for and approved from 7/1/17 through 9/30/17.
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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* 3.125%
Loan Type Fixed Home Equity
Max. Term 120 months
APR As Low As* 3.875%
Loan Type Fixed Home Equity
Max. Term 180 months
APR As Low As* 4.875%
Loan Type Fixed Home Equity
Max. Term 240 months
APR As Low As* 5.125%
Loan Type Home Equity Line of Credit**
Max. Term 12 month intro
APR As Low As* 1.99%
Loan Type Home Equity Line of Credit
Max. Term Thereafter
APR As Low As* Prime is currently 4.25%
*APR=Annual Percentage Rate. Rates are effective as of 9/18/2017. 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. For one year, Prime for life, thereafter. + Home Equity rates and terms accurate as of 9/18/2017 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-to-value restrictions 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. Closing cost paid by Ocean Financial Federal Credit Union must be repaid by the borrower(s) if line is closed within first 36 months. HELOC is a variable rate product with maximum APR of 10.9%. The introductory rate is 1.99% APR for 1 year for loans with a maximum 80% Loan-to-Value (LTV), and members who take an initial draw of $50,000. Published rates and terms based on primary homes. New HELOCs only. The introductory rate only applies to loans that have not had an introductory rate in the past. Consult your tax advisor regarding deductibility of mortgage interest. Prime rate as of 9/18/2017 is 4.25% as published in the Wall Street Journal.
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Mortgage Loans
Loan Type
Rate
APR*
Points
Loan Type 15-Year Fixed
Rate 3.375%
APR* 3.31%
Points 0.00%
Loan Type 30-Year Fixed
Rate 4.000%
APR* 4.11%
Points 0.00%
Loan Type 5/1 ARM
Rate 3.500%
APR* 3.98%
Points 0.00%
*APR=Annual Percentage Rate. Rates are effective as of 9/18/2017. 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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