Open an Account or Apply for a Loan
Personal Accounts
Checking Accounts
Savings Accounts
Business Accounts
Checking Accounts
Accounts can be opened online in our branch footprint of NJ, Metro NY and Philadelphia
Savings Accounts
Accounts can be opened online in our branch footprint of NJ, Metro NY and Philadelphia
Community Banking - Business Loans up to $1,250,000
To complete your application, please be prepared to have the following documents available:
- Personal financial statement
- Debt schedule
- Up to two years of your most current personal and business tax returns
- Checking account statements for the last three months
Current Offers
Opportunities Just For You
Boost your finances with our latest promotions.
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Limited Time Offer
$5,000 - $1,000,000 • 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 8/5/2025 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. $5,000 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. -
Limited Time Offer
$5,000 - $250,000 • 4.11% Rate, 4.19% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE
4.19%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 8/5/2025 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. $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. -
Limited Time Offer$5,000 - $250,000 • 3.69% Rate, 3.75% APY • NEW MONEY REQUIRED • IRA ELIGIBLE3.75%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. $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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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. -
Limited Time Offer$5,000 - $1,000,000 • 3.95% Rate, 4.02% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE4.02%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 8/5/2025 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The specials. Advertised rates and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $5,000 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. Additional restrictions may apply.
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Limited Time Offer$5,000 - $250,000 • 4.11% Rate, 4.19% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE4.19%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 8/5/2025 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. $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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Limited Time Offer$5,000 - $250,000 • 3.69% Rate, 3.75% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE3.75%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. $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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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. -
Limited Time Offer$5,000 - $250,000 • 3.93% Rate, 4.00% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE • NEW YORK RESIDENTS ONLY4.00%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.
Online Banking
Digital Banking
Whatever stage of your financial journey you’re on, we can assist.
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