Refer A Friend, Rock A Tee!

OceanAir is about people, not profits. Your referral helps grow a member-owned movement. Let’s make financial wellness EPIC—together.

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Limited-Time Offer

4.250% APY* on 1-Year IRA Term Share Certificates!

Experience epic savings at OceanAir Federal Credit Union

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*APY= Annual Percentage Yield. Stated rate is 4.169%. APY is accurate as of June 1, 2026. $500.00 minimum deposit required. Fees can reduce earnings on the account. Early withdrawal penalties may apply. OceanAir reserves the right to end or modify these offers at any time without notice

Designed to Protect You and Your Loved Ones

Carefull is an all-in-one financial safety service that safeguards you and your loved ones’ finances from scams, theft, money mistakes, credit fraud, leaks of personal info, and more.

Learn more about this FREE service

Designed To Achieve Your Dream Of Home Ownership

Manufactured Home Loans Now Available!

OceanAir now offers manufactured home loans with flexible and affordable financing options for both new purchases and refinancing. This program includes purchase loans with as little as 10% down, refinancing opportunities, loan terms of up to 20 years, and consideration of ITIN income. Please call 805.278.5727 for further details.

Start Your Application

Must meet membership and account criteria. All loans and loan programs are subject to credit qualifications and approval. Mortgage loans from OceanAir Federal Credit Union may not be available in all states. Programs, rates, terms, conditions, and services are subject to change without notice.

Auto Loans As Low As

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Fixed Rate Home Loans As Low As

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Credit Cards As Low As

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Personal Loans As Low As

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Eco Loans As Low As

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View All Rates Become a Member

Please select the rate to see terms and conditions for the corresponding product. *APR = Annual Percentage Rate. Some rules and restrictions apply.

Join OceanAir

Experience banking with a breeze by joining OceanAir. If you're reading this, you can join!

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Epic Products

Perfect fit for any lifestyle. Loaded with protections and money-saving perks, Epic Checking and Epic Premium Checking lives up to its name.

Epic Premium Checking

Epic Premium Checking comes with all the perks of Epic Checking and more.

0.5% Interest Rate Discount on closed-end loans
Extended warranty on all products purchased with your OceanAir debit card

Get Epic Premium

Epic Checking

Perfect fit for any lifestyle. Loaded with protections and money-saving perks.

Fully managed ID fraud recovery services
Access to Epic Perks
Roadside assistance, cell phone protection, and much more

Get Epic Checking

Epic Rewards

The OceanAir Epic Rewards Credit Card — where everyday purchases turn into extraordinary perks

Earn 5 points on your gas and travel expenses
Earn 4 points at Sam's Club and Costco and 3 points on groceries and dining
Earn 2 points on utilities and streaming and 1.5 points on everything else

Get Epic Rewards

Compare features, perks and more. View Our Products

Best and Lowest Rates
Purchase and Refinance
Home Equity Lines of Credit
Fixed and Adjustable Rates
Personalized Service

Speak to one of our Home Loan Specialists today. Get Started

Businesses

As a business leader, you need a credit union who can grow with you and provide you the services you need. OceanAir FCU has products and services designed with your business needs in mind.

Individual

OceanAir FCU is ready to support you through every stage of life. Whether you’re a new parent wanting to start a college fund or you are getting ready to buy your first car or home, OceanAir FCU has a product for you.
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OceanAir In the Community

60+

Organizations: Assisted over 60 organizations with sponsorships and/or donations.
$138k

Total donation amount including our Helping Hands initiative and Epic Difference campaign!
40

Workshops & Webinars: We went virtual with our local colleges and schools.

Your Partner in the Community See How We Live Epic

Yelp Reviews

What our members are saying.

Leave a Review

I just wanted to give a shout out to Junior and his team. We just refinanced our home through CBC and Junior went above and beyond to help us with the loan and paperwork. We had tried refinancing with another company and it was a headache.
Belle B.

This is one of the best credit unions I have been to. I have 4 different banks just to have variety and this is the best. Easy drive-thru atm and everyone I have dealt with a teller they have been very polite and even made small talk.
ML Marcos L.

Fortunate to work with Sarai Warren and team! My first conversation with Sarai for a home refinance, with credit cad debt pay off and cash out was on 12/2! I explained to Sarai that I was in a tough financial bind and I needed to have things move quickly.
David G.

I am so happy that I chose CBC FCU to refinance my home loans. Junior and Kathleen in the origination department were joys to work with, and I received personalized service from the beginning to end, and the process was easy.
Robert W.

note: OceanAir was previously known as CBC Federal Credit Union (CBC) from April of 1952 to October of 2024

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