Bank · FDIC insured
Ocean Bank CD Rates
Ocean Bank’s best CD rate is 3.80% APY on a 3-month CD. Terms run from 3 months to 8 months. Rates checked October 15, 2026.
How Ocean Bank’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Ocean Bank has the most branches. $10,000, best rate first.
This bank’s best
Ocean Bank
3.80%APY
- Term
- 3 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $94
Promotional 3-Month Certificate of Deposit
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Promotional 3-Month Certificate of Deposit
3.80%APY · 1 term
Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Maintain a minimum balance of your initial CD deposit amount in the account each day to obtain the disclosed APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMust be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY | 3.80% | $94 |
Sources (1)
- oceanbank.com/content/dam/docu…eposit-account-rates.pdf · captured Sep 18, 2026
Promotional 6-Month Certificate of Deposit
Up to 3.53%APY · 1 term
Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. Offer does not apply to IRA CDs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY | 3.53% | $175 |
| 6 monthsSpecial promotion. Minimum balance required to open is $2,500. Must be new money to Ocean Bank. Initial CD deposit amount required to be maintained each day to earn APY. Early withdrawal penalty applies. Offer does not apply to IRA CDs | 3.50% | $173 |
Sources (3)
- oceanbank.com
- oceanbank.com/personal/personal-banking/savings.html
- oceanbank.com/content/dam/docu…eposit-account-rates.pdf
All captured Sep 18, 2026
8-Month Certificate of Deposit
1.50%APY · 1 term
Lock in a fixed interest rate from account opening through maturity. Available online for personal deposit account opening to U.S. citizens age 18 and above who reside in the United States. Maintain a minimum balance of initial CD deposit amount each day to obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsMaintain initial CD deposit amount in account each day to obtain APY | 1.50% | $100 |
Sources (3)
- oceanbank.com/personal.html
- oceanbank.com/personal/personal-banking/savings.html
- oceanbank.com/content/dam/docu…eposit-account-rates.pdf
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.