Personal & Business Banking Solutions

Current Offers

Opportunities Just For You

Boost your finances with our latest promotions.

4 Month CD
Limited Time Offer

$10,000 - $1,000,000 • 3.93% 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 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 • 4.17% Rate, 4.25% APY* • NEW MONEY REQUIRED • IRA ELIGIBLE

4.25%

Annual Percentage Yield*
Open Account Now

*Annual Percentage Yield (APY) as of 3/7/2025 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.

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

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

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

Your financial needs in focus

Opportunities Just For You

Opportunities Abound

Growth Unlocked

Finances Optimized

Legacy Secured

Banking Built Around You

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