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Savings & CDs

Everyone saves differently. You name it and we'll help you save for it.

Personal Savings Compare Table

Statement

Learn More about Statement Savings

KidSave Smart

Learn More about KidSave Smart Savings

SaveFirst Account

Learn More about SaveFirst Savings

EligibilityN/AAges 14 to 21Linked to an OceanFirst checking account
Minimum Daily Balance$250
Monthly Fee if Below Balance$5
Account Rules$1 is transferred for each point-of-sale debit card purchase
Minimum to Open$100$25$10
Opening Bonus$5$10

OPEN ACCOUNT with Statement Savings

OPEN ACCOUNT

OPEN ACCOUNT with SaveFirst Savings

Rate may vary after account opening. Fees may reduce savings. Penalties for early withdrawal on CDs may apply.

Disclosure

Statement Savings

Make a statement with a savings account that lets you deposit and withdraw funds at any OceanFirst branch or ATM.
Open Online with Statement Savings

Features

  • $5.00 Monthly service charge waived if you maintain a $250 minimum balance
  • Digital banking with purchase rebate offers
  • Access your account at ATMs worldwide when combined with your checking account's OceanFirst Visa® Debit Card

Requirements

  • Requires a $100 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Friday, March 31, 2023

Statement Savings

BalanceInterest RatesAPY (Annual Percentage Yield)Minimum To Open
$0.01 +0.03%0.03%$100

Rate may vary after account opening. Fees could reduce the earnings on the account.

Open Online with Statement Savings

Rate may vary after account opening. Fees may reduce savings. 

SaveFirst Statement

Saving is easier with the account that does it for you. Just use your OceanFirst Visa® Debit Card and we'll transfer $1 to your savings account automatically. It's the gift to yourself that keeps on giving.

Open Online with SaveFirst

Features

  • $1 will be automatically transferred from your OceanFirst checking account each time you make a purchase with your OceanFirst Debit Card.
  • Competitive interest rate
  • $10 bonus when establishing account
  • No monthly service fee
  • Digital banking with purchase rebate offers

Requirements

  • Requires a $10 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Friday, March 31, 2023

SaveFirst Savings

BalanceInterest Rates

APY (Annual Percentage Yield)

Minimum To Open
$0.01 +0.03%0.03%$10

Rate may vary after account opening. Fees could reduce the earnings on the account.

Open Online with SaveFirst

Rate may vary after account opening. Fees could reduce the earnings on the account.

KidSaveSmart Account

It's never too early to start saving. This kid-friendly account is the perfect way to help your kids start building good money habits now. So, go ahead. Teach them the value of saving for that proverbial rainy day. They’ll be thanking you later.

Open Online for KidSaveSmart Statement

Features

Requirements

  • Requires a $25 deposit to open and maintain account
  • This account is available to anyone 14 to 21 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Friday, March 31, 2023

KidsSaveSmart Savings

BalanceInterest RatesAPY (Annual Percentage Yield)Minimum To Open
$0.01 +0.03%0.03%$25

Rate may vary after account opening. Fees could reduce the earnings on the account.

Open Online for KidSaveSmart Statement

Certificates of Deposit

Guaranteed rate of return? Check. Safe and secure? Check. FDIC insured? Check. Our CDs are a winning option for your short or long-term investment plans.

Features

  • Competitive rates
  • Various terms available
  • FDIC insured

Requirements

  • Requires a $500 deposit to open.
  • Account is available to anyone over 14 years old. Customers under 18 require an adult co-signer on their account.

Rates

Effective Date: Friday, March 31, 2023

Certificates of Deposit

TermAPY (Annual Percentage Yield)RateMinimum to Open
6 Months0.05%0.05%$500
1 Year0.10%0.10%$500
18 Month0.15%0.15%$500
3 Year0.20%0.20%$500
5 year0.30%0.30%$500
7 Year0.50%0.50%$500

Fees could reduce the earnings on the account. Penalties for early withdrawal on CDs may apply.

Requires a $500 deposit to open. Fees could reduce the earnings on the account. Penalties for early withdrawal on CDs may apply.

Money Management Video.

Money Management

Let us help you

For more information about OceanFirst products and services, please e-mail us your questions, visit your local branch, or give us a call at 1-888-623-2633.