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Current Offers

Opportunities Just For You

Boost your finances with our latest promotions.
  • 4 Month CD
    Limited Time Offer

    $10,000 - $1,000,000 • 3.69% Rate, 3.75% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE

    3.75%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 5/13/2025 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
  • 6 Month CD
    Limited Time Offer

    $10,000 - $250,000 • 3.95% Rate, 4.02% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE

    4.02%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 6/12/2025 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
  • 11 Month CD
    Limited Time Offer
    $10,000 - $250,000 • 3.69% Rate, 3.75% APY • NEW MONEY REQUIRED • IRA ELIGIBLE
    3.75%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 2/27/25 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 12-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
  • FirstWave Money Market
    No Commitments. Withdraw anytime. The more you deposit, the higher your rate.

    $10,000 Minimum To Receive Promotional Rates • New Money Only Available for Consumer & Business. To open a Business Account, visit your local branch or reach out to Commercial Lender.

    $0-$9,999.99 = 0.05% Rate, 0.05% APY
    $10,000-$99,999.99 = 1.98% Rate, 2.00% APY
    $100,000-$249,999.99 = 2.72% Rate, 2.75% APY
    $250,000-$499,999.99 = 2.96% Rate, 3.00% APY
    $500,000 or more = 3.20% Rate, 3.25% APY*

    3.25%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 11/18/2024 and subject to change at any time. Advertised rates and APYs are offered at the bank’s discretion and may change daily. Actual earnings may vary. Minimum deposit of $1,000 to open account. $10,000 minimum funding amount with funds not currently on deposit to earn promotional rates. Balances up to $1,000,000 are eligible for the promotional APY, however FDIC coverage will only apply to balances of $250,000 or less. Fees may reduce earnings. Additional restrictions may apply.
  • New York Residents - 5 Month CD
    Limited Time Offer
    $5,000 - $250,000 • 3.93% Rate, 4.00% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE • NEW YORK RESIDENTS ONLY
    4.00%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 5/13/2025 and subject to change at any time. Offer good for the initial term only. Business CD accounts not eligible for this promotional offer. Available to New York residents only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
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Personal banking

Opportunities Abound

Your financial ambitions are a fundamental part of life. Designed with that in mind, personal banking solutions from OceanFirst offer flexible credit options and convenient digital services that work to better align with your goals.

Choose from a variety of personal banking services:

  • Flexible checking, savings, and CD options that grow with you
  • Personal credit solutions with rewarding features
  • Convenient digital banking tools like Tap to Pay, Bill Pay, and Zelle®
  • Comprehensive personal lending services for home and personal projects
Learn More About Personal Banking

Small business banking

Growth Unlocked

Your small business is more than just a venture — it’s your passion and dream. Make managing it easier with personalized, mobile-friendly small banking services that evolve with you.

Put success first with services like: 

  • Quick access to tailored checking, Money Market, and savings accounts
  • Flexible term and loan options for growth and expansion
  • Mobile and digital banking tools to simplify financial management
Learn More About Small Business Banking

Commercial banking & treasury management

Finances Optimized

Handling your finances shouldn’t be complex and time-consuming. With client-first commercial banking solutions, you can streamline your financial operations, making money management and growth stress-free.

Take advantage of comprehensive services such as:

  • Commercial credit cards, savings, checking, and Money Market accounts that fit your organization's needs
  • Online, in-person, and mobile merchant services 
  • Receivables, payables, and liquidity strategies  
  • Accessible lending options, including equipment loans and lines of credit 
  • Fraud prevention, and OceanFirst Bank  OFBCONNECT, OFBESCROW, and RDC drivers
Learn More About Commercial Banking

Trusts & estate services

Legacy Secured

Plan for your future with personalized trust and estate services that reflect your life goals — today and tomorrow.

Enjoy solutions like: 

  • Trust services tailored to your long-term aspirations
  • Valuable insights into your assets for informed decisions 
  • Trust administration, fiduciary services, charitable planning, estate planning, and more for peace of mind
Learn More About Trusts

The OceanFirst difference

Banking Built Around You

Financial well-being begins with you, but we’re here to help. 

You deserve solutions that simplify and enrich your banking experience, whether you're an individual, family, or business. From state-of-the-art security to protect your data to digital banking solutions for ease and accessibility, we enhance your experience at every turn. Enjoy:
  • Comprehensive personal and commercial banking solutions
  • Digital and mobile solutions for security, convenience, and accessibility
  • Video Teller services to connect to a local banker at your ATM
Learn More About Our Approach
With over 120 years of service, OceanFirst Bank has a rich history of supporting the communities we serve. You’ll work with someone who understands your needs, because they’ve been there, too. Our team:
  • Proudly serves over 230,000 customers, from families to businesses 
  • Fosters generations of financial wellness and prosperity 
  • Continues to grow our assets and locations across the country to serve you better
Read About Our History
We commit to positively impacting the communities — and planet — we serve. Through our digital transformation efforts, we reduce our environmental footprint, and our active community engagement programs support local causes and empower financial futures. Here’s how:
  • Digital initiatives to reduce paper consumption and environmental impact
  • Community programs and foundations supporting local causes
  • Initiatives for first-time homebuyers and financial literacy education
Learn More About Us

Banking insights

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Whatever stage of your financial journey you’re on, we can assist.

Contact OceanFirst Bank