Bank · FDIC insured
Ocean Bank Savings Rates
Ocean Bank’s best savings rate is 0.10% APY on $10,000, with its Ocean Personal Savings. Rates checked October 15, 2026.
How Ocean Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $250
- Earns on $10,000 a year
- $10
Ocean Personal Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Ocean Bank savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ocean Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Ocean Personal Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Avoid monthly maintenance fee by maintaining an average daily balance of $250. Interest rates may vary after account opening.Up to $100,000 | 0.10% | $10 | Avoid monthly maintenance fee by maintaining an average daily balance of $250. Interest rates may vary after account opening. |
Sources (2)
- oceanbank.com/personal/personal-banking/savings.html
- oceanbank.com/content/dam/docu…eposit-account-rates.pdf
All captured Sep 18, 2026
Special-purpose accounts
Ocean Personal Savings for Young Savers
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upChildren under 17 years of age. Interest rates may vary after account opening.$100,000 and up | 0.20% | — | Children under 17 years of age. Interest rates may vary after account opening. |
Sources (2)
- 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.