OceanFirst Bank

FDIC-insured · certificate 28359

Savings, money market, checking and CDs, with every rate from OceanFirst Bank’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated Nov 8, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

OceanFirst High Yield Savings Special/+Savings account · $250 to open3.83%$0Not stated

OceanFirst FirstWave Money MarketMoney market account0.05%−$117Not stated

OceanFirst Holiday ClubSavings account · $1 to open0.03%$3None

OceanFirst KidSaveSmartSavings account · $25 to open0.03%$3Not stated

OceanFirst Statement SavingsSavings account · $100 to open0.03%$3$5 a month

OceanFirst SaveFirst StatementSavings account · $10 to openNot stated—None

Against 1043 checking accounts

OceanFirst FreeStyle CheckingChecking account · $25 to open0.00%#125None

OceanFirst FreshStart CheckingChecking account0.00%#566Not stated

$500 to open

6 months0.05%—

1 year0.10%—

18 months0.15%—

3 years0.20%—

5 years0.30%—

7 years · OceanFirst Bank’s best0.50%—

A dash: a term we don’t rank. Also at OceanFirst Bank: 9 Month CD Special, rates not stated; CD Specials, rates not stated. All OceanFirst Bank CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.