Ocean State Credit Union Savings & Money Market Rates

How Ocean State Credit Union’s savings rates compare

Compared with banks and credit unions near Providence, RI-MA, where Ocean State Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Ocean State Credit Union
1.50%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$150
Personal Money Market Account
Top rate
St. Anne's Credit Union
4.95%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$495
St. Anne's Credit Union rates
2nd-highest rate
Alltrust Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$25
Earns on $10,000 a year
$400
Alltrust Credit Union rates

Compare savings rates near you →

Savings score

Higher than 80% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.15%
$10,000 balance$10,0001.50%
$100,000 balance$100,0002.00%
QualifiedQualified1.50%

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 State 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.

Personal Money Market Account

1.50%APY

A balance of $2,500.00 is required to maintain a Money Market Account and earn APY. Interest is compounded and credited monthly. Touch-tone teller access available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000Tier 1	1.50%	$150	Tier 1
$25,000 – $50,000Tier 2	1.70%	—	Tier 2
$50,000 – $75,000Tier 3	1.90%	—	Tier 3
$75,000 and upTier 4	2.00%	—	Tier 4

Sources (1)

oceanstatecu.org/invest/money-market-accounts · captured Oct 14, 2026

Mortgage Escrow

0.15%APY

Deposit as required. Interest paid yearly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum deposit to earn APY: as required. Interest paid yearly.Any balance	0.15%	$15	Minimum deposit to earn APY: as required. Interest paid yearly.

Sources (1)

oceanstatecu.org/bank/savings · captured Sep 16, 2026

Share Account

0.15%APY$5 to open

To become a member and use credit union services, must open a Share Account with a maintained $5.00 balance. Minimum opening deposit of $5.00 required. Dividends compounded and paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upMinimum deposit of $10.00 is required to earn APY. Dividends paid quarterly.$10 and up	0.15%	$15	Minimum deposit of $10.00 is required to earn APY. Dividends paid quarterly.

Sources (1)

oceanstatecu.org/bank/savings · captured Sep 16, 2026

Statement Savings

0.15%APY

A balance of $5.00 is required to maintain the account and earn the APY. Interest compounded monthly and credited monthly. ATM cards available.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum deposit/balance of $5.00 required to maintain the account and earn APY. Interest compounded and credited monthly.$5 and up	0.15%	$15	Minimum deposit/balance of $5.00 required to maintain the account and earn APY. Interest compounded and credited monthly.

Sources (1)

oceanstatecu.org/bank/savings · captured Sep 16, 2026

Deposit Account

0.10%APY

Interest compounded and paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum deposit of $5.00 to earn APY. Interest paid quarterly.$5 and up	0.10%	$10	Minimum deposit of $5.00 to earn APY. Interest paid quarterly.

Sources (1)

oceanstatecu.org/bank/savings · captured Sep 16, 2026

Special-purpose accounts

Municipal Money Market Accounts

1.50%APYBusiness

Balance of $2,500.00 required to maintain account and earn APY. Interest compounded and credited monthly. No monthly service charge. Touch-tone teller access available.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000Tier 1 · $2,500 to open	1.50%	$2,500	$150	Tier 1
$25,000 – $75,000Tier 2 · $25,000.01 to open	1.70%	$25,000.01	—	Tier 2
$75,000 – $150,000Tier 3 · $75,000.01 to open	1.90%	$75,000.01	—	Tier 3
Over $150,000Tier 4 · $150,000.01 to open	2.00%	$150,000.01	—	Tier 4

Sources (1)

oceanstatecu.org/invest/money-market-accounts · captured Oct 14, 2026

IRA Savings Accounts

0.15%APYIRA$5 to open

Available as Traditional, Roth, and Education IRA savings options. Penalty may be imposed for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceTraditional Share, Roth, and Education IRA savings share this rate schedule. Minimum opening deposit of $5.00. Interest paid monthly. Early withdrawal penalties may apply.Any balance	0.15%	$15	Traditional Share, Roth, and Education IRA savings share this rate schedule. Minimum opening deposit of $5.00. Interest paid monthly. Early withdrawal penalties may apply.

Sources (1)

oceanstatecu.org/invest/individual-retirement-accounts · captured Sep 16, 2026

Pathway Youth Savings Account

0.15%APYKids and teens$5 to open

For children ages 0-17. Joining is free; deposit $5.00 to get started. Must be opened with a parent or guardian over age 18, presenting Social Security Number proof and Birth Certificate. Can be linked to student checking at age 13.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10 and upMinimum deposit of $10.00 required to earn APY. Interest paid quarterly.$10 and up	0.15%	$15	Minimum deposit of $10.00 required to earn APY. Interest paid quarterly.