Credit union · NCUA insured
OceanAir Federal Credit Union CD Rates
OceanAir Federal Credit Union’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How OceanAir Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Oxnard, CA, where OceanAir Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Term Share Certificates
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
3rd-highest rate
Kinecta
4.35%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $660
OceanAir Federal Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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.
Where OceanAir 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.
Term Share Certificates
Up to 4.50%APY · 8 terms
Must meet membership and account criteria. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 3 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.25% | $105 |
| 6 months | 3.75% | $186 |
| 6 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.25% | $210 |
| 12 months | 3.75% | $375 |
| 12 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.25% | $425 |
| 18 months | 3.75% | $568 |
| 18 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.25% | $644 |
| 24 months | 4.00% | $816 |
| 24 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.25% | $868 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
| 60 monthsRequires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date | 4.50% | $2,462 |
Sources (1)
- oceanair.org/product/term-share-certificates · captured Oct 6, 2026
Special-purpose accounts
IRA Term Share Certificates
4.50%APY · 1 term
Available in Traditional IRA or Roth IRA. Must meet membership and account criteria. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires Epic Premium Checking. Early withdrawal penalties may apply | 4.50% | $450 |
Sources (3)
All captured Oct 6, 2026
Who can join OceanAir Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of up to 19 Select Employee Groups qualify for membership.
Military, government and schools
- Civilian employees at CBC and active-duty military personnel qualify for membership.
Other ways
- Individuals nationwide can join through an association created by the credit union.
Membership information collected October 5, 2026.