Latest Entry Fixed vs. Adjustable Rate Mortgages: Which Is Right for You? December 15, 2025 When it comes to choosing a mortgage, one of the biggest decisions you’ll make is whether to go with a fixed-rate or an adjustable-rate mortgage (ARM). Both options have advantages—your choice depends on your financial goals and lifestyle. Here’s a simple breakdown: Fixed-Rate Mortgage What It Is:Your interest rate stays the same for the entire... Continue Reading
Financial Workshop for Farmworkers in Ventura County December 12, 2025 A new initiative titled “Empowering Our Community: Financial Wellness Workshop for Farmworkers” was recently showcased in a video on YouTube. The program is designed to provide farmworkers with practical tools to manage their finances, build savings, and strengthen long-term economic stability. Our most recent workshop included not only insightful information but also coffee and food... Continue Reading
The Best Rewards Credit Card in Ventura County: OceanAir Epic Rewards December 12, 2025 Looking for the best rewards credit card in Ventura County? OceanAir Federal Credit Union has you covered. Our Epic Rewards Credit Card is designed for locals who want maximum flexibility, unbeatable earning power, and community-focused benefits. Here’s why OceanAir is the smart choice for your wallet. Why Choose OceanAir’s Epic Rewards Credit Card? OceanAir isn’t... Continue Reading
Navigating Home Loans in a Changing Environment December 11, 2025 Interest rates have been higher than many homeowners and buyers expected—but the good news is, they’re starting to trend downward. So, what does that mean for you? Whether you’re thinking about buying or considering a refinance, here are some smart steps to take: 1. Understand the Current Landscape Rates are still elevated compared to historic... Continue Reading
Is Now the Right Time to Refinance? December 10, 2025 Refinancing your mortgage can be a smart financial move—but timing is everything. Here are a few key reasons why now might be the right time to take a closer look: Interest Rates May Have DroppedEven a small decrease in your interest rate can lead to significant savings over the life of your loan. Lower rates... Continue Reading
Thinking About Buying a Home? Start Smart. December 10, 2025 Buying a home is one of life’s biggest decisions—and it pays to be prepared. Whether you’re a first-time buyer or looking for your next dream home, here are a few tips to get started: Know Your Budget: Understanding what you can comfortably afford is key. Factor in not just the mortgage payment, but taxes, insurance,... Continue Reading
Skip One of Your Loan Payments with a Holiday Skip-A-Pay November 5, 2025 Our Skip-a-Pay program gives you the opportunity to defer your monthly payment on qualifying consumer and vehicle loans. Interest charges will continue to accrue, and your skipped payment will be applied to the end of your loan term. It’s easy to take advantage of this offer.Please visit one of our branches or call us at 805-988-2151 Skip-A-Pay... Continue Reading
Beware of QR Code Package Scams August 19, 2025 Dear OceanAir Member, We want to alert you to a new scam targeting consumers through unexpected packages and deceptive QR codes. This scam has been reported across the country and poses a serious risk to your personal information and device security. 🚨 What’s Happening? You may receive a package in the mail that you didn’t... Continue Reading
Exploring Mobile Homes: A Cost-Conscious Option in Today’s Housing Market August 9, 2025 In today’s housing climate, many individuals and families are rethinking what homeownership looks like. With mortgage rates still elevated and traditional home prices remaining out of reach for many, mobile and manufactured homes are gaining traction—not just among retirees or rural buyers, but increasingly among younger generations seeking affordability and flexibility. National Trends: Mobile Homes... Continue Reading
The Benefits of Using Digital Wallet May 5, 2025 At OceanAir, we are always looking for ways to make your banking experience more convenient and secure. That's why we encourage you to register your OceanAir Credit and Debit Cards to your digital wallet. Benefits of Using a Digital Wallet: Convenience: Make quick and easy payments with just a tap of your phone. Security: Enjoy enhanced security... Continue Reading
