Ocean Financial Credit Union

Oceanside, New York
Last verified: August 4, 2026
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Verified rate book

Current Ocean Financial Credit Union rates

35 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

3 offers
Ocean Financial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Description 30 Year Fixed30 year fixed6.772% APR6.625%—Standard
Description 15 Year Fixed15 year fixed6.356% APR6.250%—Standard
Description 20 Year Fixed20 year fixed6.946% APR6.750%—Standard

Auto & vehicle rates

9 offers
Ocean Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type Auto Loan Re-Finance (2019-2027)†auto_any_78mo4.740% APR4.740%78 moStandard
Loan Type Auto Loans (2026-2027)**auto_any_66mo4.990% APR4.990%66 moStandard
Loan Type Lease Buyouts (2023-2026)‡auto_any_66mo5.140% APR5.140%66 moStandard
Loan Type Auto Loans (2019-2022)**auto_any_66mo5.240% APR5.240%66 moStandard
Loan Type Boat and RV††boat_any_60mo5.990% APR5.990%60 moStandard
Loan Type Auto Loans (2016-2018)**auto_any_66mo6.240% APR6.240%66 moStandard
Loan Type Boat and RV††boat_any_120mo6.490% APR6.490%120 moStandard
Loan Type Classic Cars (25 Model Years and Older)auto_used_60mo6.990% APR6.990%60 mo · usedStandard
Loan Type Boat and RV††boat_any_180mo6.990% APR6.990%180 moStandard

HELOC rates

3 offers
Ocean Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type No Closing Cost HELOC***heloc_variable4.990% APR4.990%—Standard
Loan Type Fixed Home Equity**heloc_fixed6.490% APR6.490%—Standard
Loan Type No Closing Cost HELOC****heloc_variable6.750% APR6.750%—Standard

Personal loan rates

3 offers
Ocean Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type Overdraft Line of Credit***ploc_variable7.490% APR7.490%—Standard
Loan Type Credit Builder Loan §personal_unsecured_12mo9.990% APR9.990%12 moStandard
Loan Type Personal†other9.990% APR9.990%—Standard

Student loan rates

1 offer
Ocean Financial Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type Catholic School Tuition Loan (max. loan amount - $7,000)†student6.250% APR6.250%—Standard

Credit card rates

2 offers
Ocean Financial Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type Visa Introductorycredit_card1.990% APR1.990%—Introductory offer
Loan Type Visa Regularcredit_card8.990% APR8.990%—Standard

Savings & CD rates

13 offers
Ocean Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
IRA Certificate Terms - $500 Minimum 3 Year IRA Certificateira_cd_36mo2.72% APY2.72%36 moStandard
Youth Certificate Terms - $100 Minimum 5 Year Youth Certificateshare_certificate_60mo2.72% APY2.72%60 moEligibility restricted
Youth Certificate Terms - $100 Minimum 4 Year Youth Certificateshare_certificate_48mo2.72% APY2.72%48 moEligibility restricted
Youth Certificate Terms - $100 Minimum 3 Year Youth Certificateshare_certificate_36mo2.72% APY2.72%36 moEligibility restricted
Youth Certificate Terms - $100 Minimum 2 Year Youth Certificateshare_certificate_24mo2.72% APY2.72%24 moEligibility restricted
IRA Certificate Terms - $500 Minimum 5 Year IRA Certificateira_cd_60mo2.72% APY2.72%60 moStandard
IRA Certificate Terms - $500 Minimum 2 Year IRA Certificateira_cd_24mo2.72% APY2.72%24 moStandard
IRA Certificate Terms - $500 Minimum 4 Year IRA Certificateira_cd_48mo2.72% APY2.72%48 moStandard
Loan Type Passbook‡cd_60mo3.10% APY3.10%60 moStandard
IRA Certificate Terms - $500 Minimum 1 Year IRA Certificateira_cd_12mo3.45% APY3.45%12 moStandard
Youth Certificate Terms - $100 Minimum 1 Year Youth Certificateshare_certificate_12mo3.45% APY3.45%12 moEligibility restricted
IRA Certificate Terms - $500 Minimum 6 Month IRA Certificateira_cd_6mo3.93% APY3.93%6 moStandard
Youth Certificate Terms - $100 Minimum 6 Month Youth Certificateshare_certificate_6mo3.93% APY3.93%6 moEligibility restricted

Other rates

1 offer
Ocean Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Loan Type Wedding Loan†other5.990% %5.990%—Standard

As of August 4, 2026, Ocean Financial Credit Union offers a 30-year fixed mortgage at 6.772% APR. Vehicle loans available from 4.74% APR for 78 months. HELOC rates from 4.99% APR. Personal loan rates from 7.49% APR. Credit card rates from 8.99% APR. Savings and certificate yields up to 3.93% APY.

Source: RateAPI.dev, verified from Ocean Financial Credit Union's official website

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About Ocean Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
14.1K
Assets
$401.5M
Founded
1969
Locations reported
5
NCUA charter
19269
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Jovia FinancialOceanside · Oceanside · NY · 11572-4107Branch in the same ZIPNassau FinancialOceanside · Oceanside · NY · 11572-3256Branch in the same ZIPFourleafBaldwin · North Baldwin · NY · 11510-2427About 2.0 miles awayTown of Hempstead EmployeesMain Office · North Baldwin · NY · 11510About 2.0 miles awayAmerican Broadcast Employees7-11 Rockville Centre · Rockville Centre · NY · 11570About 2.3 miles awayLong Beach TeachersMain Branch · Lido Beach · NY · 11561-4908About 2.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Ocean Financial Credit Union

Membership eligibility from Ocean Financial Credit Union's own published criteria. How we verify this.

Membership via employers (Westco Financial Group +17 more) or the Knights of Columbus +1 more

  • EmployerWestco Financial Group, Diocese of Rockville Centre, Molloy University, Catholic Health, Catholic Faith Network, Catholic Youth Organization of Long Island, St. Christopher School and Parish Office, Maria Regina School and Parish Office, Catholic Charities of the Diocese of Rockville Centre, Catholic Cemeteries of Long Island, Sacred Heart Church, Xaverian High School, Nazareth High School, Catholic Medical Mission Board, Bishop Ford High School, St. Francis Preparatory School, Christ the King Regional High School, Our Lady Queen of Peace
  • AssociationKnights of Columbus, Friends of Catholic Education Association

Verified from Ocean Financial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Ocean Financial Credit Union?

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Frequently Asked Questions

What rates does Ocean Financial Credit Union offer?

Ocean Financial Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Ocean Financial Credit Union rates updated?

RateAPI verifies Ocean Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Ocean Financial Credit Union's rate data?

Rate data is collected directly from Ocean Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Ocean Financial Credit Union's mortgage rate?

As of August 4, 2026, Ocean Financial Credit Union offers a 30-year fixed mortgage at 6.772% APR.

What are Ocean Financial Credit Union's auto & boat loan rates?

As of August 4, 2026, Ocean Financial Credit Union offers vehicle loans from 4.74% APR.

What is Ocean Financial Credit Union's HELOC rate?

As of August 4, 2026, Ocean Financial Credit Union offers home equity lines of credit from 4.99% APR.

What is Ocean Financial Credit Union's personal loan rate?

As of August 4, 2026, Ocean Financial Credit Union offers personal loans from 7.49% APR.

What is Ocean Financial Credit Union's best CD rate?

As of August 4, 2026, Ocean Financial Credit Union offers savings and certificate (CD) yields up to 3.93% APY.

Related Rate Data

Compare Ocean Financial Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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Track Ocean Financial Credit Union rates

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# Get rates for Ocean Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/ocean-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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