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Epic Rewards
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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)
Consumer Loans
Auto Loans, RV Loans, Motorcycle Loans, Personal Loans, Eco Loans, Personal Line of Credit
Account TypeMinimum DepositTermStated RateAnnual Percentage YieldRegular Savings*$5Avg. Daily0.030%0.030%IRA Savings Account*$25Avg. Daily0.030%0.030%Health Savings Account**$100Avg. Daily0.030%0.030%
TierMin. DepositTermStated RateAnnual Percentage YieldTier 1$0Avg. Daily0.030%0.030%Tier 2$2,000Avg. Daily0.250%0.250%Tier 3$100,000Avg. Daily2.472%2.500%Tier 4$250,000Avg. Daily2.960%3.000%
Epic Premium account holders will enjoy a .25% bonus on a new 1-year Term Share Certificate to 4.000% APY | 3.928% Stated Rate
Epic Premium account holders will enjoy a .25% bonus on a new 2-year Term Share Certificate to 4.000% APY | 3.928% Stated Rate
Epic Premium account holders will enjoy a .25% bonus on a new 5-year Term Share Certificate to 4.250% APY | 4.169% Stated Rate
TierMin. DepositsTermStated RateAnnual Percentage YieldTier 1$0Avg. Daily0.030%0.030%Tier 2$25,000Avg. Daily0.499%0.500%Tier 3$100,000Avg. Daily0.995%1.000%Tier 4$250,000Avg. Daily1.982%2.000%
Minimum DepositTermStated RateAnnual Percentage Yield$500 Min. Certs.3 months3.445%3.500%$500 Min. Certs.3 Months with **Epic Premium Checking3.928%4.000%$500 Min. Certs.6 months3.687%3.750%$500 Min. Certs.6 Months with **Epic Premium Checking3.928%4.000%$500 Min. Certs.1 year3.687%3.750%$500 Min. Certs.1 year with **Epic Premium Checking3.928%4.000%$500 Min. Certs.1 Year IRA with **Epic Premium Checking4.169%4.250%$500 Min. Certs.18 months3.687%3.750%$500 Min. Certs.18 months with **Epic Premium Checking3.928%4.000%$500 Min. Certs.2 years3.687%3.750%$500 Min. Certs.2 years with **Epic Premium Checking3.928%4.000%$500 Min. Certs.3 years3.687%3.750%$500 Min. Certs.4 years3.687%3.750%$500 Min. Certs.5 years3.687%3.750%$500 Min. Certs.5 years with **Epic Premium Checking4.169%4.250%
* 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.
New & Used Auto/Truck/Van (2021 model year and newer). Rates and terms apply to direct auto only.
TermAPR Rates* as low asPayment per $1,000**36 Months or less4.49% $29.7537-48 Months4.49%$22.8149-60 Months4.74%$18.7661-72 Months5.24%$16.2273-84 Months5.49%$14.37
Old Auto/Truck/Van (2020 – 2019 model years). Rates and terms apply to direct auto only.
TermAPR Rates* as low asPayment per $1,000**36 Months or less5.49%$30.2037-48 Months5.49%$23.2649-60 Months5.74%$19.2261-72 Months6.24%$16.70
Older Auto/Truck/Van (2018 or older model years). Rates and terms apply to direct auto only.
TermAPR Rates* as low asPayment per $1,000**36 Months or less6.49%$30.6637-48 Months6.49%$23.7249-60 Months6.74%$19.69
* 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.
TermAPR Rates* as low asPayment per $1,000**36 Months or less6.90%$30.8437-48 Months6.90%$23.91 49-60 Months7.15%$19.8861-72 Months7.40%$17.25
TermAPR Rates* as low asPayment per $1000**Up to 60 Months6.71%$19.6861-120 Months7.21%$11.73121 - 180 Months 7.71%$9.40
Visa Platinum
As low as12.75% APR1
Epic Rewards Card
EarnAs low asUp to 5 points per dollar16.00% APR1
TypeTermAPR Rates* as low asPayment per $1000**Signature Loan ($500+)12 Months or less10.49%$88.17Signature Loan($2,000+)13-24 Months10.99%$46.62Signature Loan($5,000+)25-36 Months11.49%$32.98Signature Loan ($7,500+)37-48 Months11.99%$26.34Signature Loan ($10,000+)49-60 Months12.49%$22.51Personal Line of CreditOpen Ended15.00%
TypeTermAPR Rates* as low asShare SecuredLess than 2 years5.00% above the dividend rateShare Secured24 to 48 Months5.50% above the dividend rateShare Secured49 to 60 Months6.00% above the dividend rateTerm Share Certificate Secured3 Months to 5 Years3.00% 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.
** based on maximum term
Estimated payment examples do not include property tax, insurance, or HOA fees, so your actual payment will behigher. Rates are not automatically locked in at time of application. Loan rate locks can be requested in writing afteryour loan has been pre-approved by OceanAir. Other restrictions may apply. Call for details.
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