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Ocean Financial Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.oceanfinancial.org
516-620-8100
45 Atlantic Ave
Oceanside, NY 11572

Field of Membership Restrictions

Membership to Ocean Financial Federal Credit Union is open to all Catholics, members of any of several affiliated Catholic groups located in New York, and family members of those eligible.
See current membership details

Reviews

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Health

Due to issues with the NCUA financial data for Q3 2022, some data may not be correct. Please contact the credit union for the latest financial data.

Overall
NCUA #19269
Year Chartered1969
Employees35
Primary Regulator
Profit Margin
Return on Assets - YTD-0.25%
Return on Equity - YTD-5.25%
Annual Interest Income$15.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$369.1MM$359MM
LoansQ4 2024vs Q4 2023$253MM$237.9MM
DepositsQ4 2024vs Q4 2023$348.9MM$336MM
Equity CapitalQ4 2024vs Q4 2023$17.7MM$17.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.1MM$1.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.1MM$3.5MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/18/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Ocean Financial Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ocean Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.13%$0$1kYouth Savings
0.90%*$300k*-Super Saver Account
OTHER TIERS: 0.60% → $5 - $1k | 0.65% → $1k - $25k | 0.70% → $25k - $50k | 0.75% → $50k - $100k | 0.80% → $100k - $300k
0.10%$0-Regular Savings Account
0.10%$0-Escrow Account
0.10%$0-Christmas Club
0.10%$0-Vacation Club Account

Ocean Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-6 Month Share Certificate
4.35%$100-Youth 6 Month Share Certificate
3.75%$500-1 Year Share Certificate
3.75%$100-Youth 1 Year Share Certificate
3.04%$500-3 Year Share Certificate
3.04%$500-4 Year Share Certificate
3.04%$500-5 Year Share Certificate
3.04%$100-Youth 3 Year Share Certificate
3.04%$100-Youth 4 Year Share Certificate
3.04%$100-Youth 5 Year Share Certificate
2.94%$500-2 Year Share Certificate
2.94%$100-Youth 2 Year Share Certificate

Ocean Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$500-6 Month IRA Certificate
3.75%$500-1 Year IRA Certificate
3.04%$500-3 Year IRA Certificate
3.04%$500-4 Year IRA Certificate
3.04%$500-5 Year IRA Certificate
2.94%$500-2 Year IRA Certificate
0.25%$0-IRA Savings Account
Locations


Ocean Financial Federal Credit Union Locations
Branch Office45 Atlantic AveOceanside, NY 11572-2035
Branch Office4050 Merrick RdSeaford, NY 11783
Corporate Office21 Morris AveRockville Centre, NY 11570-5336
Branch Office1000 Hempstead AveRockville Centre, NY 11570-1135

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