Deposit Products

Our Certificates of Deposit offer guaranteed yields, flexibility and the safety of FDIC insurance. That is because you lock in a high yield guaranteed from the day you open the account until the day it matures. You know exactly what return to expect and when you will receive it.

Your deposit is safe because Ocean Bank CDs are backed by the Federal Deposit Insurance Corporation for up to $100,000 per individual.

There is A CD That is Right For You. We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $2,500, you can open your own CD. Click on our Rate Table to see our current rates on our most popular CDs.

To open your Ocean Bank CD today, just visit any one of our convenient locations and request a CD Rate Quote from one of our customer service representatives.

Plan for your financial future with Ocean Bank's IRA Accounts. Ocean Bank offers a variety of individual retirement accounts, such as the Traditional IRA, Roth IRA and Education IRA, to meet your needs.

Watch your money grow with Ocean Bank's IRA Accounts. To obtain more information, or open an account, just stop by one of our convenient locations.

IRA Accounts

• Individual Retirement Account (Traditional IRA)
• Roth IRA
• Educational IRA (CESA)

• FDIC Insured up to $100,000.00
• Safe and insured way to make your money grow
• Flexibility in selecting a broad range of terms, maturities and interest disbursement methods
• Money earns interest from date of deposit until maturity date
• The APY assumes interest will remain on deposit until maturity
• A withdrawal or credit to another account reduces earnings
• Flexibility to transfer earned interest to another account
• Account Fees: Not Applicable

• If the original term is equal to or less than 31 days, the penalty will be the loss of thirty (30) days worth of interest. We will first deduct said penalty from any accrued but not paid interest, and then from the principal if necessary.
• If the original term of this certificate is more than 31 days but less than or equal to 1 year, the penalty will be the loss of 90 days worth of interest.
• If the original term of this certificate is greater than 1 year, the penalty will be the loss of 180 days worth of interest.
• If the accrued interest is not sufficient, we may deduct the difference from the principal.

Deposit Products