Credit union · NCUA insured
OceanAir Federal Credit Union Savings Rates
OceanAir Federal Credit Union’s best savings rate is 0.03% APY on $10,000, with its Insured Money Market Rate Account. Rates checked October 16, 2026.
How OceanAir Federal Credit Union’s savings 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
0.03%APY
- Minimum
- $5
- Earns on $10,000 a year
- $3
Regular Savings
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
OceanAir Federal Credit Union savings score
60
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.03%
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 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.
Insured Money Market Rate Account
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTerm: Avg. Daily | 0.03% | $3 | Term: Avg. Daily |
| $25,000 and upTerm: Avg. Daily | 0.50% | — | Term: Avg. Daily |
| $100,000 and upTerm: Avg. Daily | 1.00% | — | Term: Avg. Daily |
| $250,000 and upTerm: Avg. Daily | 2.00% | — | Term: Avg. Daily |
Sources (1)
- oceanair.org/saving-rates · captured Sep 16, 2026
Regular Savings
0.03%APY
Account balance must always remain at $5 or above for the account to remain open. Initial membership pledge of $5 is sponsored upon joining.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTo earn dividends, must maintain an average daily balance of $100 or more.$100 and up | 0.03% | $3 | To earn dividends, must maintain an average daily balance of $100 or more. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Health Savings Account
0.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
IRA Savings Account
0.03%APY
Available as Traditional IRA or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (3)
All captured Sep 16, 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.