Ocean Financial Federal Credit Union

Overview / Commentary
45 Atlantic Ave
Oceanside, NY 11572

Ocean Financial Federal Credit Union is headquartered in Oceanside and is the 41st largest credit union in the state of New York. It is also the 854th largest credit union in the nation. It was established in 1969 and as of June of 2022, it had grown to 36 employees and 14,658 members at 2 locations. Ocean Financial Federal Credit Union's CD rates are 67% higher than the national average, and it has a B health rating.

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


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Health Grade Components

NCUA #19269
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD14.4%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$382.2MM$376.9MM
LoansQ2 2022vs Q2 2021$224.5MM$202.9MM
DepositsQ2 2022vs Q2 2021$363.9MM$348.2MM
Equity CapitalQ2 2022vs Q2 2021$16.6MM$27.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.5MM$1.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.7MM$1.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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* 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

4.00%-$1kYouth Savings
0.70%*$300k*-Super Saver Account
OTHER TIERS: 0.40% $5 - $1k | 0.45% $1k - $25k | 0.50% $25k - $50k | 0.55% $50k - $100k | 0.60% $100k - $300k
0.25%--IRA Savings Account
0.10%--Regular Savings Account
0.10%--Escrow Account
0.10%--Christmas Club
0.10%--Vacation Club Account

Ocean Financial Federal Credit Union CD Rates

2.75%$1k-5 Year Share Certificate
2.75%$100-Youth 5 Year Share Certificate
2.65%$1k-4 Year Share Certificate
2.65%$100-Youth 4 Year Share Certificate
2.55%$1k-3 Year Share Certificate
2.55%$100-Youth 3 Year Share Certificate
2.25%$1k-2 Year Share Certificate
2.25%$100-Youth 2 Year Share Certificate
2.25%$1k-13 Month Promotional Share Certificate
2.25%$100-Youth 13 Month Promotional Share Certificate
1.50%$1k-1 Year Share Certificate
1.50%$100-Youth 1 Year Share Certificate
1.00%$1k-6 Month Share Certificate
1.00%$100-Youth 6 Month Share Certificate

Ocean Financial Federal Credit Union IRA Rates

2.75%$1k-5 Year IRA Certificate
2.65%$1k-4 Year IRA Certificate
2.55%$1k-3 Year IRA Certificate
2.25%$1k-2 Year IRA Certificate
2.25%$1k-13 Month Promotional IRA Certificate
1.50%$1k-1 Year IRA Certificate
1.00%$1k-6 Month IRA Certificate

Ocean Financial Federal Credit Union Locations
Branch Office45 Atlantic AveOceanside, NY 11572-2035
Branch Office4050 Merrick RdSeaford, NY 11783

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