OceanFirst Bank CD Rates — October 2026
As of October 22, 2026, OceanFirst Bank's highest tracked CD rate is 0.50% APY on an 84-month CD ($500 minimum). That is 35% of the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.05% to 0.50% APY.
Tracking began .
OceanFirst Bank CD rates
Published standard CD rates only. Separate promotional offers are not included; consult the bank for current promotions and account eligibility.
| Term | Product | APY |
|---|---|---|
| 6 months | Certificate of Deposit | 0.05%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 0.10%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 0.15%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 0.20%Verified October 22, 2026 |
| 60 months | Certificate of Deposit | 0.30%Verified October 22, 2026 |
| 84 months | Certificate of Deposit | 0.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are OceanFirst Bank's best CD rates by term?
OceanFirst Bank's best rate is 0.50% APY on 84 months, verified October 22, 2026.
- 6 mo0.05%
- 12 mo0.10%
- 18 mo0.15%
- 36 mo0.20%
- 60 mo0.30%
- 84 mo0.50%
How much interest could a OceanFirst Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $1.250.05% APY · Certificate of Deposit · Standard | $2.510.05% APY · Certificate of Deposit · Standard | $6.270.05% APY · Certificate of Deposit · Standard | $12.530.05% APY · Certificate of Deposit · Standard |
| 12 months | $5.000.10% APY · Certificate of Deposit · Standard | $10.000.10% APY · Certificate of Deposit · Standard | $25.000.10% APY · Certificate of Deposit · Standard | $50.000.10% APY · Certificate of Deposit · Standard |
| 18 months | $11.260.15% APY · Certificate of Deposit · Standard | $22.530.15% APY · Certificate of Deposit · Standard | $56.320.15% APY · Certificate of Deposit · Standard | $112.650.15% APY · Certificate of Deposit · Standard |
| 60 months | $75.450.30% APY · Certificate of Deposit · Standard | $150.900.30% APY · Certificate of Deposit · Standard | $377.260.30% APY · Certificate of Deposit · Standard | $754.510.30% APY · Certificate of Deposit · Standard |
| 84 months | $177.650.50% APY · Certificate of Deposit · Standard | $355.290.50% APY · Certificate of Deposit · Standard | $888.230.50% APY · Certificate of Deposit · Standard | $1,776.470.50% APY · Certificate of Deposit · Standard |
How OceanFirst Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 2555-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 11 tracked institutions with fresh 2555-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| OceanFirst Bank (this institution)Certificate of Deposit · Standard | 84 months | $500 | Coverage: NJ, NY, PA | 0.50% | October 22, 2026 |
| Navy Federal Credit UnionStandard Certificate · Standard | 84 months | $100,000 | Coverage: AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA | 3.90% | October 22, 2026 |
| Citadel Credit Union84 Month Bonus Certificate · Standard | 84 months | $75,000 | Coverage: PA | 3.65% | October 22, 2026 |
| PenFed Credit UnionMoney Market Certificate · Promotional | 84 months | $1,000 | Nationwide; check eligibility | 3.50% | October 22, 2026 |
| Wings Credit Union (formerly Ent) (highest tracked APY for this term)84 Month Certificate · Standard | 84 months | $500 | Coverage: CO, FL, GA, MI, MN, WI | 4.25% | October 22, 2026 |
| Treasury (APY-equivalent) | 84 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.09% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking OceanFirst Bank on October 22, 2026.
About OceanFirst Bank
- Legal name
- OceanFirst Bank, National Association
- Regulator ID
- FDIC 28359
- Headquarters
- Toms River, NJ
- Available in
- NJ, NY, PA
- Total assets
- $23.2 billion
- Also known as
- Website
- www.oceanfirst.com
Source: rates read from https://oceanfirst.com/rates/savings-cds-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at OceanFirst Bank?
Among the rates we track, 0.50% APY on an 84-month CD, as of October 22, 2026.
What is the minimum deposit for a OceanFirst Bank CD?
The lowest minimum we found is $500.
How does OceanFirst Bank's best CD rate compare with Treasury yields?
0.50% APY is −4.59% versus the 84-month Treasury yield of 5.09% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 0.50% a good CD rate?
It is 0.4 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are OceanFirst Bank CDs insured?
OceanFirst Bank is an FDIC-insured bank (FDIC 28359). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check OceanFirst Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from OceanFirst Bank's website and may change at any time. Confirm terms, minimums and eligibility with OceanFirst Bank before opening an account. This page is not financial advice.