ONLINE BANKING SYSTEM WILL BE TEMPORARILY UNAVAILABLE - The online banking system will be unavailable due to maintenance from Friday, May 17, 2024, at 10pm ET through Saturday, May 18, 2024, at 2pm ET. For more information, contact our Customer Service Center at 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648), International Toll Free 1-828-623-2625. 

In observance of Veterans Day, we will be closed Saturday, November 11. We will resume regular business hours on Monday, November 13.

Ocean Bank - Financial Results as of December 31, 2023. Continued Financial Strength Learn more

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Ocean Bank

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You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

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You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

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You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

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Personal Savings Accounts with Interest, IRAs & CDs

Personal Savings

Savings with a single focus You.

Open 6-month CD now
A special promotion

4.25% APY*

6 Months CD

*See disclosure at bottom of page.

Apply now

Savings Accounts

Saving accounts with features to make your money grow

Save Automatically

Schedule money to automatically move from your checking to your savings.

Set Saving Goals

Set spending limits and track your progress with our online money management tool.

Stay in the Know

Get alerts if your account balance falls below a preset amount so you can budget.

Deposit in Seconds

Deposit checks using your phone or tablet with our Mobile Banking app.

Select an account that earns interest to reach your goals

For your today and your tomorrow, we have options

to help you get where you want to go.

 

Personal Savings

Put your money to work and earn interest regardless of your balance.

Open now More details View rates

Personal Savings
for Young Savers

Teach children under 17 the power of saving early.

Open at a branch near you More details View rates

Traditional IRA

Save for your retirement with pre-tax contributions.

Open at a branch near you

Roth IRA

A safe and secure way to build savings for retirement.

Open at a branch near you

Coverdell Education Savings Account

Save for education expenses with a tax-advantaged account.

Open at a branch near you

Certificate of Deposit (CD)

Lock in a rate for the term of your account and watch your money grow.

Open 8-month CD now View rates Visit a branch for more options

Need help finding the right account?

Speak with an expert

What do you need to open your new account?

 
  • Social Security number
  • Driver’s license or government-issued photo ID
  • Email address
  • If you're opening an account online, you must be at least 18 years of age and have a debit card, credit card, checking or savings account to make the opening deposit
  • For account holders younger than age 17, the account must be opened with an adult co-owner
Speak with an expert

Common questions about savings accounts

The interest you earn on personal savings accounts varies based on market conditions and the current rate will appear on your quarterly statement. The interest you earn on CDs, IRAs and Coverdell Education Savings accounts is a fixed rate established at the time the account is opened through maturity based on the term you select. 

We make it easy and convenient for you to get cash out of your personal savings account, so there are no limits on the number of withdrawals you can make. Of course, do not withdraw more money than you have in the account to avoid being charged a fee. Withdrawals from CDs, IRAs and Coverdell Education Savings accounts are subject to certain conditions and penalties for early or ineligible withdrawals may apply.

With personal savings accounts, your funds can be accessed at any time. Your account comes with a Debit Mastercard® you can use online and in person to pay for purchases anywhere Mastercard® is accepted and at Ocean Bank and Publix Presto! ATMs. You can also transfer money from your Ocean savings account to your Ocean checking account online or in the mobile app.

 

CDs, IRAs and Coverdell Education Savings accounts are designed to be long-term investments, but your funds are available to you, should you need them. Early withdrawal penalties may apply. 

Ocean savings accounts are FDIC-insured up to the $250,000 maximum per depositor, per ownership category. 

 

For example, if you are the only account holder, your account is FDIC-insured up to $250,000. If you and another person are account holders on the same account, you each receive $250,000 in coverage for a total of $500,000 in coverage on the account. FDIC insurance protects your deposits in the event of a bank failure.

 

Learn more about FDIC insurance

 

An Ocean branch is always nearby

Stop by or schedule a visit

Start now

*Annual Percentage Yield (APY) is accurate as of November 8, 2022. The minimum balance required to open a CD is $2,500. Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Interest rates may change without notice. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.

1Consult with your tax advisor. Restrictions may apply. 

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Ocean Bank website

 

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