New Brunswick

*Certificate of Deposit (CD) Annual Percentage Yield (APY) as of 2/20/24 and subject to change at any time. Offer available in-person only at the OceanFirst Bank New Brunswick branch. Business CD accounts not eligible for this promotional offer. New or existing Oceanfirst FreeStyle Checking Account required. Offer good for the initial 5-month term only. CD is automatically renewed for a 6-month term unless customer closes CD at maturity. 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. $2,500 minimum to open and earn interest with $250,000 maximum CD funding amount. Funds not currently on deposit at OceanFirst Bank required. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

†New Personal FreeStyle Checking Account: Offer available 2/20/24 and subject to change at any time. Employees of OceanFirst Bank N.A. not eligible. Offer available for new FreeStyle Checking account customers only. Account must be opened with funds not currently on deposit at OceanFirst Bank, in-person at the OceanFirst Bank New Brunswick branch only. $25 minimum to open. FreeStyle Checking features no monthly minimum balance requirement. Bonus limited to one per customer. Eligibility for the $500 bonus requires all the following conditions are met: at least two cycles of an electronic direct deposit of $500+ posted to the account and eStatements is elected. Bonus will be paid on the first business day after 90-day account opening anniversary. All cash bonuses are taxable. All annual percentage yields (APYs) on interest bearing accounts subject to change. Fees may reduce earnings. Please see additional information at https://www.oceanfirst.com/personal/checking/.

**NeighborFirst Mortgage: As of 2/6/2024 and subject to change at any time. Offer of credit is subject to income restrictions and credit approval. Eligible properties include 1 to 4-unit properties (down payment may increase with 2+ units), Fannie Mae/Freddie Mac-eligible condominiums, and planned unit developments (PUDs). Minimum of 3% down payment for purchase of a primary residence. Rate/Term refinances up to 90% loan-to-value on primary residences; no PMI required. The “no income limit” applies to certain low/moderate income areas, designated by government census tracts. Rate discounts available on 4% rates and above. Eligible applicants must complete an approved home ownership course.

‡New Community Business Checking: Offer available 12/4/23 and subject to change at any time. Employees of OceanFirst Bank N.A. not eligible. Offer available for new Community Business Checking account customers only. Community Business Checking account must be opened with funds not currently on deposit at OceanFirst Bank, in-person at the OceanFirst Bank New Brunswick branch only. $100 minimum to open. Bonus limited to one per customer. In addition to opening a new Community Business Checking Account, customers will be eligible for a $250 bonus when a completed small business loan application is submitted online at https://communitybanking-bizz2x.oceanfirst.com/ and eligible for an additional $250 bonus if customer completes registration for Merchant or Payroll services. Both bonuses require a new Community Business Checking account. Small business loan application bonus will be paid 91 days from completed application date. Merchant or Payroll bonus will be paid 91 days from completed registration date. All cash bonuses are taxable. Community Business Checking has a $5,000 monthly minimum balance requirement. All annual percentage yields (APYs) on interest bearing accounts subject to change. Fees may reduce earnings. 

^Small Business Unsecured Line of Credit: Rates and offer subject to change at any time. APR (Annual Percentage Rate) is based on the Wall Street Journal Prime +1.00% and may change with Wall Street Journal Prime Rate for the term of the line of  credit. As of 7/27/2023 Wall Street Journal Prime Rate is 8.50%. Interest accrues immediately whenever funds are drawn from the line of credit account. Terms up to 3 years available. 48-hour decision is only for complete small business applications submitted using  https://communitybanking-bizz2x.oceanfirst.com/. Offer subject to credit approval.