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Savings & CDs

Everyone saves differently. You name it and we'll help you save for it.

Personal Savings Compare Table

Statement

Learn More about Statement Savings

KidSave Smart

Learn More about KidSave Smart Savings

SaveFirst Account

Learn More about SaveFirst Savings

EligibilityN/AAges 14 to 21Linked to an OceanFirst checking account
Minimum Daily Balance$250
Monthly Fee if Below Balance$5
Account Rules$1 is transferred for each point-of-sale debit card purchase
Minimum to Open$100$25$10
Opening Bonus$5$10
OPEN ACCOUNT with Statement SavingsOPEN ACCOUNT with SaveFirst Savings

Statement Savings

Make a statement with a savings account that lets you deposit and withdraw funds at any OceanFirst branch or ATM.
Open Account with Statement Savings

Features

  • $5.00 Monthly service charge waived if you maintain a $250 minimum balance
  • Digital banking with purchase rebate offers
  • Access your account at ATMs worldwide when combined with your checking account's OceanFirst Visa® Debit Card

Requirements

  • Requires a $100 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Sunday, November 17, 2024

Statement Savings

BalanceInterest RatesAPY
$0.01 +0.03%0.03%
Open Account with Statement Savings

SaveFirst Statement

Saving is easier with the account that does it for you. Just use your OceanFirst Visa® Debit Card and we'll transfer $1 to your savings account automatically. It's the gift to yourself that keeps on giving.

Open Account with SaveFirst

Features

  • $1 will be automatically transferred from your OceanFirst checking account each time you make a purchase with your OceanFirst Debit Card.
  • Competitive interest rate
  • $10 bonus when establishing account
  • No monthly service fee
  • Digital banking with purchase rebate offers

Requirements

  • Requires a $10 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Sunday, November 17, 2024

SaveFirst Savings

BalanceInterest RatesAPY
$0.01 +0.03%0.03%
Open Account with SaveFirst

KidSaveSmart Account

It's never too early to start saving. And this kid-friendly account is the perfect solution to making sure Junior isn't taking up residence in the basement when he's 30. Don't delay, start his saving craving now!

Features

Requirements

  • Requires a $25 deposit to open and maintain account
  • This account is available to anyone 14 to 21 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Sunday, November 17, 2024

KidsSaveSmart Savings

BalanceInterest RatesAPY
$0.01 +0.03%0.03%

RewardsFirst Savings

Get rewarded for saving just like employees at OceanFirst do! If your company has more than 10 employees, ask your employer to sign up for Rewards Banking with us. It's FREE!

Open Account with Statement Savings

Features

Requirements

  • An OceanFirst banker can provide you with your employer's rewards code if you would like to open this account online
  • Requires no deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

RewardsFirst Savings

BalanceInterest RatesAPY
$0.01 +0.03%0.03%
Open Account with Statement Savings

Certificates of Deposit

Guaranteed rate of return? Check. Safe and secure? Check. FDIC insured? Check. Our CDs are a winning option for your short or long-term investment plans?

Features

  • Competitive rates
  • Various terms available
  • FDIC insured

Requirements

  • Requires a $500 deposit to open.
  • Account is available to anyone over 14 years old. Customers under 18 require an adult co-signer on their account.

Rates

Effective Date: Sunday, November 17, 2024

Certificates of Deposit

TermInterestAPY
3 Months.10%.10%
6 Months.15%.15%
9 Months.20%.20%
11 Month CD (1 Year Renewal)1.00%1.00%
1 Year.25%.25%
15 Month.30%.30%
16 Month (Renews into 15 Month CD)1.98%2.00%
18 Month.35%.35%
2 Year.40%.40%
25 Month* (2 Year Renewal)2.96%3.00%
35 Month (3 Year Renewal)2.23%2.25%
3 Year.45%.45%
4 Year.50%.50%
59 Month (5 Year Renewal)2.47%2.50%
5 year.75%.75%
6 year1.00%1.00%
7 Year1.24%1.25%

On 6, 9 and 15 month CDs, interest is posted at maturity, which reduces the stated yield, which on the 9 and 15 month CDs becomes the same as the rate and on the 6 month CD becomes 0.15%. These "Interest at Maturity" CDs are not available for IRA/KEOGH.

* The 25 month CD is available to new and existing customers using funds not currently on deposit with OceanFirst Bank.  The maximum CD amount cannot exceed $100,000.

Money Management

Let us help you

For more information about OceanFirst products and services, please e-mail us your questions, visit your local branch, or give us a call at 1.888.623.2633.