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Small business savings & money market

Build By Saving

Put your financial  goals in reach with  small business savings accounts from OceanFirst.

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Account options

The right account for your business

Explore checking options that put in as much work as you do.
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Small Business Money Market

Maximize your savings with tiered interest rates and easily access funds via check. The more you save, the more you earn. Requires a $100 deposit to open.
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Small Business Statement Savings

Earn interest with an account that comes with standard digital banking services, your OceanFirst Visa Debit Card, and access to ATMs worldwide when combined with your checking. Requires a $100 deposit to open.
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Current Offers

Opportunities Just For You

Boost your finances with our latest promotions.
  • Business 4 Month CD
    Limited Time Offer
    $10,000 - $1,000,000 • 3.93% Rate, 4.00% APY* NEW MONEY REQUIRED • IRA ELIGIBLE
    4.00%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 2/4/2025 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. $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. Additional restrictions may apply.
  • Business 6 Month CD
    Limited Time Offer
    $10,000 - $250,000 • 3.20% Rate, 3.25% APY*NEW MONEY REQUIRED • IRA ELIGIBLE
    3.25%
    Annual Percentage Yield*
    Open Account Now
    *Annual Percentage Yield (APY) as of 11/18/2024 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.
  • Business 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.
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