Important Information: Our offices will be closed in observance of Martin Luther King Jr. day on Monday, January 19th. Regular hours of operation will resume on Tuesday, January 20th.

Saving Rates

Savings Accounts

Account TypeMinimum DepositTermStated RateAnnual Percentage Yield
Regular Savings*$5Avg. Daily0.030%0.030%
IRA Savings Account*$25Avg. Daily0.030%0.030%
Health Savings Account**$100Avg. Daily0.030%0.030%

Epic Premium Checking *

TierMin. DepositTermStated RateAnnual Percentage Yield
Tier 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%

Insured Money Market Rate Account +

TierMin. DepositsTermStated RateAnnual Percentage Yield
Tier 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%

Term Share and IRA Certificates **

Minimum DepositTermStated RateAnnual Percentage Yield
$500 Min. Certs.3 months3.203%3.250%
$500 Min. Certs.3 Months with **Epic Premium Checking3.445%3.500%
$500 Min. Certs.6 months3.203%3.250%
$500 Min. Certs.6 Months with **Epic Premium Checking3.445%3.500%
$500 Min. Certs.1 year3.203%3.250%
$500 Min. Certs.1 year with **Epic Premium Checking3.203%3.250%
$500 Min. Certs.1 Year IRA with **Epic Premium Checking3.445%3.500%
$500 Min. Certs.18 months2.960%3.000%
$500 Min. Certs.18 months with **Epic Premium Checking3.203%3.250%
$500 Min. Certs.2 years2.960%3.000%
$500 Min. Certs.2 years with **Epic Premium Checking3.445%3.500%
$500 Min. Certs.3 years3.203%3.250%
$500 Min. Certs.4 years3.203%3.250%
$500 Min. Certs.5 years3.203%3.250%
$500 Min. Certs.5 years with **Epic Premium Checking3.445%3.500%

Epic Premium Checking Promotion

1-year Term Share Certificate

Epic Premium account holders will enjoy a bonus on a new 2-year Term Share Certificate to 3.25% APY | 3.203% Stated Rate

2-year Term Share Certificate

Epic Premium account holders will enjoy a  bonus on a new 2-year Term Share Certificate to 3.50% APY | 3.445% Stated Rate

5-year Term Share Certificate

Epic Premium account holders will enjoy a  bonus on a new 5-year Term Share Certificate to 3.50% APY | 3.445% Stated Rate

Ready to open a Term Share Certificate? Visit a branch near you
Ready to open an Epic Premium Checking Account? Go Epic Today!

* Dividends are declared at the end of each month by the Board of Directors based on the Credit Union’s earnings and cannot be guaranteed. Dividends compounded monthly. Dividend rates vary by product type and balance tiers, please see our Truth in Savings Agreement for details.

**Dividends are declared at the end of each month by the Board of Directors based on the Credit Union’s earnings and cannot be guaranteed. Dividends compounded monthly. Dividend rates vary by product type and balance tiers, please see our Truth in Savings Agreement for details. Penalties apply for early withdrawal.

You are leaving the OceanAir Federal Credit Union website

You are being directed to a third-party website.

Please note that this third-party website is not controlled by OceanAir Federal Credit Union or subject to our privacy policy.

Thank you for visiting our site. We hope your visit was informative and enjoyable.