Bank · FDIC insured
OceanFirst Bank CD Rates
OceanFirst Bank’s best CD rate is 0.50% APY on a 7-year CD. Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How OceanFirst Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where OceanFirst Bank has the most branches. $10,000, best rate first.
This bank’s best
OceanFirst Bank
4.18%APY
- Term
- 9 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $312
9 Month CD Special
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $457
OceanFirst Bank CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.15%
- 31–60 months31–60 mo0.30%
- QualifiedQualified4.18%
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 OceanFirst Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
9 Month CD Special
Up to 4.18%APY · 1 term
Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
| Term | APY · Up to $100,000 | APY · Up to $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsPromotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account) | — | 4.18% | 4.18% | $312 |
| 9 monthsStandard tier for 9 Month CD Special without qualifying checking account. Requires $5,000 minimum new money to open and $100,000 maximum funding | 4.08% | — | 4.08% | $304 |
Certificates of Deposit
Up to 0.50%APY · 6 terms
Fees could reduce earnings. Penalties for early withdrawal on CDs may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.05% | $2 |
| 12 months | 0.10% | $10 |
| 18 months | 0.15% | $23 |
| 36 months | 0.20% | $60 |
| 60 months | 0.30% | $151 |
| 84 months | 0.50% | $355 |
Sources (1)
- oceanfirst.com/rates/savings-cds-rates · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.