Skip to content

Credit union · NCUA insured

Ocean Financial Federal Credit Union CD Rates

Top Carrot, Carrot Score 88Top Carrot

Ocean Financial Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Ocean Financial Federal Credit Union’s CD rates compare

Compared with banks and credit unions near New York, NY-NJ, where Ocean Financial Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 88

    This credit union’s best

    Ocean Financial Federal Credit Union

    4.25%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $425

    Share Certificate

  • Top rate

    Liberty Bank of New Jersey

    5.00%APY

    Term
    4 months
    Minimum
    $1,000
    Earns on $10,000
    $164

    Liberty Bank of New Jersey rates

  • Top Carrot, Carrot Score 88

    2nd-highest rate

    Palisades Credit Union

    5.00%APY

    Term
    11 months
    Minimum
    $500
    Earns on $10,000
    $457

    Palisades Credit Union rates

Compare CD rates near you →

Ocean Financial Federal Credit Union CD score

87

CD score

Higher than 79% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo4.25%
  • 16–30 months16–30 mo2.75%
  • 31–60 months31–60 mo2.75%
  • QualifiedQualified4.25%

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.

How the score works →

Where Ocean Financial Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Ocean Financial Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Catholic Cemeteries of Long Island, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Charities of the Diocese of Rockville Centre, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Faith Network who work in, or are paid or supervised from Uniondale, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Health who work in, or are paid or supervised from Rockville Centre, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of the Catholic Medical Mission Board in New York, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of Catholic Youth Organization of Long Island (CYO-LI) who work in, or are paid or supervised from Hicksville, NY, as well as volunteers and their families, are eligible for membership.
16 more ways to join

Employers and groups

  • Employees, volunteers, and participants of Diocesan Information Systems Conference, as well as their families, are eligible for membership.
  • Parishioners and employees of the Diocese of Rockville Centre (all parishes within the DRVC across Nassau & Suffolk Counties), as well as volunteers and their families, are eligible for membership.
  • Members of Friends of Catholic Education Association, as well as their families, are eligible for membership.
  • Brothers and Members of the Ladies Auxiliary at any Knights of Columbus council in New York State, as well as their families, are eligible for membership.
  • Parishioners and employees of Our Lady Queen of Peace in Staten Island, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of Sacred Heart Church in Island Park, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and the Board of Directors of Westco Financial Group who work in or are paid or supervised from Lynbrook, NY, as well as volunteers and their families, are eligible for membership.

Military, government and schools

  • Students and employees of Bishop Ford High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Christ the King Regional High School in Middle Village, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of Maria Regina School and Parish Office in Seaford, NY, as well as volunteers and their families, are eligible for membership.
  • Employees of and students attending Molloy University in Rockville Centre, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Nazareth High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.
  • Employees and members of St. Christopher School and Parish Office in Baldwin, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of St. Francis Preparatory School in Flushing, NY, as well as volunteers and their families, are eligible for membership.
  • Students and employees of Xaverian High School in Brooklyn, NY, as well as volunteers and their families, are eligible for membership.

Family and household

  • Families of employees and volunteers of eligible affiliated organizations are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Ocean Financial Federal Credit Union overview