All Rates

At OceanAir, our goal is to make your financial life as easy as possible, so we’ve put all of our rates in one place. From Savings accounts to mortgage rates, you name it, you can find it here!

Home Loans

Home purchase, refinance, or cash-out refinance and home equity lines of credit
(Fixed and adjustable rates)

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Consumer Loans

Auto Loans, RV Loans, Motorcycle Loans, Personal Loans, Eco Loans, Personal Line of Credit

See Rates

Savings Account Rates*

Open a savings account today! Get Started

Account Type	Minimum Deposit	Term	Stated Rate	Annual Percentage Yield
Regular Savings*	$5	Avg. Daily	0.030%	0.030%
IRA Savings Account*	$25	Avg. Daily	0.030%	0.030%
Health Savings Account**	$100	Avg. Daily	0.030%	0.030%

Epic Premium Checking*

Tier	Min. Deposit	Term	Stated Rate	Annual Percentage Yield
Tier 1	$0	Avg. Daily	0.030%	0.030%
Tier 2	$2,000	Avg. Daily	0.250%	0.250%
Tier 3	$25,000	Avg. Daily	0.499%	0.500%
Tier 4	$50,000	Avg. Daily	0.995%	1.000%
Tier 5	$100,000	Avg. Daily	1.982%	2.000%
Tier 6	$250,000	Avg. Daily	2.960%	3.000%

Epic Premium Promotion

Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate to 4.00% APY | 3.928% Stated Rate

Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 4.00% APY | 3.928% Stated Rate

Epic Premium account holders will enjoy a .25% bonus on a new 5-year Term Share Certificate to 3.75% APY | 3.687% Stated Rate

Insured Money Market Rates Account*

Open an insured money market account today! Get Started

Tier	Min. Deposits	Term	Stated Rate	Annual Percentage Yield
Tier 1	$0	Avg. Daily	0.000%	0.000%
Tier 2	$2,000	Avg. Daily	0.030%	0.030%
Tier 3	$25,000	Avg. Daily	0.250%	0.250%
Tier 4	$50,000	Avg. Daily	0.499%	0.500%
Tier 5	$100,000	Avg. Daily	0.995%	1.000%
Tier 6	$250,000	Avg. Daily	1.982%	2.000%

Term Share and IRA Certificates**

Minimum Deposit	Term	Stated Rate	Annual Percentage Yield
$500 Min. Certs.	3 months	3.928%	4.000%
$500 Min. Certs.	3 Months with **Epic Premium Checking	4.169%	4.250%
$500 Min. Certs.	6 months	3.687%	3.750%
$500 Min. Certs.	6 Months with **Epic Premium Checking	3.928%	4.000%
$500 Min. Certs.	1 year	3.687%	3.750%
$500 Min. Certs.	1 year with **Epic Premium Checking	3.928%	4.000%
$500 Min. Certs.	1 Year IRA with **Epic Premium Checking	4.410%	4.500%
$500 Min. Certs.	18 months	3.687%	3.750%
$500 Min. Certs.	18 months with **Epic Premium Checking	3.928%	4.000%
$500 Min. Certs.	2 years	3.687%	3.750%
$500 Min. Certs.	2 years with **Epic Premium Checking	3.928%	4.000%
$500 Min. Certs.	3 years	3.445%	3.500%
$500 Min. Certs.	4 years	3.445%	3.500%
$500 Min. Certs.	5 years	3.445%	3.500%
$500 Min. Certs.	5 years with **Epic Premium Checking	3.687%	3.750%

* Dividends are declared at the end of each month by the Board of Directors based on the Credit Union’s earning and cannot be guaranteed. Dividends compounded monthly. Dividends paid on average daily balances of $100 or more on savings and $5,000 or more on checking.
+ Dividends compounded monthly. The rates shown are anticipated. Dividends paid on average daily balances of $2,000 or more.
** Dividends compounded monthly. Last dividends paid at the end of last month.

Consumer Loan Rates

Auto Loan Rates

Apply online for an Auto Loan (New or Used) today! Get Started

New & Used Auto/Truck/Van (2020 model year and newer). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	5.74%	$30.31
37-48 Months	5.74%	$23.37
49-60 Months	5.99%	$19.33
61-72 Months	6.24%	$16.69
73-84 Months	6.74%	$14.97

Old Auto/Truck/Van (2019 – 2018 model years). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	6.74%	$30.76
37-48 Months	6.74%	$23.83
49-60 Months	6.99%	$19.80
61-72 Months	7.24%	$17.17
73-84 Months	7.74%	$15.46

Older Auto/Truck/Van (2017 or older model years). Rates and terms apply to direct auto only.

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	7.74%	$31.22
37-48 Months	7.74%	$24.30
49-60 Months	7.99%	$20.28

* APR = Annual Percentage Rate. Rates vary with the amount financed, term, and credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 8806 for rates on refinancing existing OceanAir loans. Promotional APR is with the purchase of an Epic Premium Checking account and OceanAir Auto Insurance. No salvage title vehicles.

Motorcycle Rates

Apply online for a Motorcycle Loan today! Get Started

Term	APR Rates* as low as	Payment per $1,000
36 Months or less	8.40%	$30.93
37-48 Months	8.40%	$24.23
49-60 Months	8.65%	$20.11
61-72 Months	8.90%	$17.39

Boat & RV Rates

Apply online for a Boat & RV Loan today! Get Started

Term	APR Rates* as low as	Payment per $1000
Up to 60 Months	8.21%	$19.91
61-120 Months	8.71%	$11.83
121 - 180 Months	9.21%	$9.66

Credit Card Rates

Apply online for a Credit Card today! Get Started

Visa Platinum

As low as
14.00% APR¹

Epic Rewards Card

Earn	As low as
5% back on Gas & Travel* 3% back on Groceries* 1% back on Everything Else**	17.25% APR¹

Personal Loan Rates

Apply online for a personal loan today! Get Started

Type	Term	APR Rates* as low as	Payment per $1000
Signature Loan ($500+)	12 Months or less	10.99%	$87.71
Signature Loan ($2,000+)	13-24 Months	11.49%	$46.17
Signature Loan ($5,000+)	25-36 Months	11.99%	$32.52
Signature Loan ($7,500+)	37-48 Months	12.49%	$25.86
Signature Loan ($10,000+)	49-60 Months	12.99%	$22.01
Personal Line of Credit	Open Ended	15.00%

Secured Loan Rates

Type	Term	APR Rates* as low as
Share Secured	Less than 2 years	5.00% above the dividend rate
Share Secured	24 to 47 Months	5.50% above the dividend rate
Share Secured	48 to 60 Months	6.00% above the dividend rate
Term Share Certificate Secured	3 Months to 5 Years	3.00% above the dividend rate

* APR = Annual Percentage Rate. Rates vary with the amount financed, term, and your credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing OceanAir loans.

Home Loan Rates

Apply Online Today! Get Started

Fixed-Rate Mortgages

Get Real-Time Rates Check Rates

Adjustable Rate Mortgages (ARM) 5

Get Real-Time Rates Check Rates

Estimated payment examples do not include property tax, insurance, or HOA fees, so your actual payment will be
higher. Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing after
your loan has been pre-approved by OceanAir. Other restrictions may apply. Call for details.