Ocean Financial Federal Credit Union Savings & Money Market Rates

How Ocean Financial Federal Credit Union’s savings 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.

This credit union’s best
Ocean Financial Federal Credit Union
1.25%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$125
Mercy Super Saver Account
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

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Savings score

Higher than 78% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.25%
$10,000 balance$10,0001.25%
$100,000 balance$100,0001.25%
QualifiedQualified1.25%

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 savings score, in each area where it has branches

Every rate

Current savings rates

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

Mercy Super Saver Account

1.25%APY

Exclusive to Staff, Volunteers, and their families of Mercy Hospital. $0 to open and maintain account. $5 minimum to earn interest.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upEarns 1.25% APY on all balances ($5 minimum to earn interest).$5 and up	1.25%	$125	Earns 1.25% APY on all balances ($5 minimum to earn interest).

Sources (1)

oceanfinancial.org/mercy/mercy-super-saver-account · captured Sep 17, 2026

Super Saver Account

0.65%APY

$5 minimum balance in Share Savings Account required. $0 to open and maintain the account; $5 minimum to earn interest. Withdrawals are limited to 5 or 8 per month (a fee applies for subsequent withdrawals).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.60%	—
$1,000 – $25,000	0.65%	$65
$25,000 – $50,000	0.70%	—
$50,000 – $100,000	0.75%	—
$100,000 – $300,000	0.80%	—
$300,000 and up	0.90%	—

Sources (3)

All captured Sep 17, 2026

Escrow Account

0.10%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (1)

oceanfinancial.org/resources/rates · captured Sep 17, 2026

Regular Share Savings

0.10%APY$5 to open

Requires $5 minimum balance/deposit to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.10%	$10

Sources (3)

All captured Sep 17, 2026

Special-purpose accounts

Lions Youth Savings

6.18%APYKids and teens$5 to open

Exclusively for enrolled Molloy undergraduate students and children of current faculty & staff until graduation, or until 23 years old. Parent or guardian must be listed as a joint owner. At graduation, automatically converted to a Regular Share Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Applies to balances up to $2,000.Up to $2,000	6.18%	—	Applies to balances up to $2,000.

Sources (1)

oceanfinancial.org/molloy-university/lions-youth-savings · captured Sep 17, 2026

Mercy Youth Savings

1.25%APYKids and teens$5 to open

Exclusive to children under 21 years old of Staff & Volunteers. Parent or guardian must be listed as a joint owner. At 21, automatically converted to a Regular Share Account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Applies to balances up to $2,000.	6.18%	—	Applies to balances up to $2,000.
Over $2,000Balances higher than $2,000 earn the Mercy Super Saver Account APY (1.25% APY).	1.25%	$125	Balances higher than $2,000 earn the Mercy Super Saver Account APY (1.25% APY).

Sources (1)

oceanfinancial.org/mercy/mercy-youth-savings · captured Sep 17, 2026

Youth / Student Savings Account

0.10%APYKids and teens$5 to open

Exclusively available to members under 21 years old. Parent or guardian must be listed as a joint owner. Converts automatically to a Regular Share Account at age 21. $5 minimum balance required to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,0005.00% APY / 5.13% APY earned on balances up to $1,000.	5.13%	—	5.00% APY / 5.13% APY earned on balances up to $1,000.
Over $1,000Balances higher than $1,000 earn the Regular Share Savings rate (0.10% APY).	0.10%	$10	Balances higher than $1,000 earn the Regular Share Savings rate (0.10% APY).

Sources (3)

All captured Sep 17, 2026

Individual Retirement Account (IRA) Savings

0.25%APYIRA

Available as Traditional, Roth, and Coverdell IRA accounts.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.25%	$25

Sources (3)

All captured Sep 17, 2026

Specialty Share Savings (Christmas/Vacation)

0.10%APYClub

$5 minimum balance in Share Savings Account required. $0 to open and maintain the account; $5 minimum to earn interest.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.10%	$10

Sources (3)

All captured Sep 17, 2026

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

How Ocean Financial Federal Credit Union’s savings rates compare

Ocean Financial Federal Credit Union savings score

Current savings rates

Mercy Super Saver Account

Super Saver Account

Escrow Account

Regular Share Savings

Special-purpose accounts

Lions Youth Savings

Mercy Youth Savings

Youth / Student Savings Account

Individual Retirement Account (IRA) Savings

Specialty Share Savings (Christmas/Vacation)

Who can join Ocean Financial Federal Credit Union

Employers and groups

Employers and groups

Military, government and schools

Family and household