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OceanFirst Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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
oceanfirst.com
888-623-2633
975 Hooper Avenue
Toms River, NJ 08753

OceanFirst Bank is headquartered in TOMS RIVER and is the 3rd largest bank in the state of New Jersey. It is also the 132nd largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 965 employees at 43 locations. OceanFirst Bank's money market rates are 7X the national average, and it has an A health rating.

Reviews (3)

11 Month CD 3.69% Rate, 3.75% APY*

Posted by: |

CD Specials
Take a look at these limited time offers!

4 Month CD 3.93% Rate, 4.00% APY*
6 Month CD 4.17% Rate, 4.25% APY*
11 Month CD 3.69% Rate, 3.75% APY*

1

Horrible Bank

Posted by: |

Terrible bank. Every single time I go there for some kind of transaction, no matter what kind, they always tell me it can't be done. They're always saying "the rules have changed". This bank makes everything harder for their customers, instead of easier. It's no longer convenient. They are no longer interested in average individual account. holders. They've gone commercial and want big money only. It's OceanFirst, people second. They're showing all the earmarks of overextending & appear to be in trouble by closing branches & forcing people to bank by ATM or video teller machines (which no one uses). The employees all have long faces & are unhappy. When I make comments about it being more difficult & not convenient, the employees all agree with me & tell me they're not happy with the changes either. I've slowly been moving all my accounts out of there to other institutions. Only 2 more accounts left to move.

11

Awful Experience

Posted by: |

If there was less than one star I would give it.
40 minutes on phone to address an online access issue to know avail, just to get hung up on.
Customer service person i spoke to was totally clue less. Have had a business account with OF for several years. That will end tomorrow.

11


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #28359
Year Established1902
Employees965
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.38%
Annual Interest Income$153.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$13.22B$13.31B
LoansQ1 2025vs Q1 2024$10.07B$10.07B
DepositsQ1 2025vs Q1 2024$10.31B$10.3B
Equity CapitalQ1 2025vs Q1 2024$1.7B$1.66B
Loan Loss AllowanceQ1 2025vs Q1 2024$78.8MM$67.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$37MM$35.1MM
Real Estate OwnedQ1 2025vs Q1 2024$1.9MM$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OceanFirst Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$0-Statement Savings
0.03%$0-KidSaveSmart Account
0.03%$0-SaveFirst Account

OceanFirst Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$500k*-FirstWave Money Market
OTHER TIERS: 0.05% → $0 - $10k | 2.00% → $10k - $100k | 2.75% → $100k - $250k | 3.00% → $250k - $500k
3.25%*$500k*-Business FirstWave Money Market
OTHER TIERS: 0.05% → $0 - $10k | 2.00% → $10k - $100k | 2.75% → $100k - $250k | 3.00% → $250k - $500k
0.05%*$50k*-Money Market Account
OTHER TIERS: 0.03% → $0 - $50k

OceanFirst Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.02%$10k$250k6 Month CD Special - New Money
4.02%$10k$250kBusiness 6 Month CD Special - New Money
3.75%$10k$250k11 Month CD Special - New Money
3.75%$10k$1m4 Month CD Special - New Money
3.75%$10k$1mBusiness 4 Month CD Special - New Money
3.75%$10k$250kBusiness 11 Month CD Special - New Money
0.50%$500-7 Year CD
0.30%$500-5 Year CD
0.20%$500-3 Year CD
0.15%$500-18 Month CD
0.10%$500-1 Year CD
0.05%$500-6 Month CD

OceanFirst Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.02%$10k$250k6 Month IRA Special - New Money
3.75%$10k$1m4 Month IRA Special - New Money
3.75%$10k$250k11 Month IRA Special - New Money
Locations

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