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Oceanair

2151 E. Gonzales Rd., Oxnard, CA 93036
NCUA Insured4.8 (405 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

2151 E. Gonzales Rd.

Oxnard, CA 93036

Service Area

This credit union is located in Oxnard and serves members in the CA area. Currently serving 27,330 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.99%

Used Auto Loan

7.99%

Personal Loan

11.99%

Credit Card APR

15.13%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.8

405 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
EDGAR ALLAN DOMINGO

EDGAR ALLAN DOMINGO

3 months ago

I had an excellent experience with Ryan Ellis. He is very professional , patient and genuinely helpful from start to finish. Everything was explained clearly and he make sure my concern were addressed without rushing. His positive attitude and attention to details made the entire process smooth and stress free. It's rare to receive this level of customer service and it truly made a difference. Highly recommended.

Roisin Dunne

Roisin Dunne

3 months ago

Jessica made me so comfortable about applying for a loan with Ocean Air. She was professional and so friendly as we filled out the application. Her follow up was so prompt! And explaining the process very clear, so I really had no questions as she took me through it all. I have nothing but yays!! For my experience with Jessica.

JAMES PARKER

JAMES PARKER

4 months ago

Made an appointment due to family member passing. Due to this there were a lot of moving parts that Marisol walked me through. She was very understanding while maintaining her professionalism. She took the time to answer my questions (which were many) and if she was uncertain she took whatever additional time needed, even though I went well past my scheduled time, to verify her responses to make sure that I fully understood as well as make me feel confident in where we were going.. I have had many appointments at the Gonzales location over the past few years and no matter who I worked with they were all extremely professional with Marisol at the top of this list. I would recommend this branch to anyone who is looking for a good product as well as a professional group of people.

Henry Mayr

Henry Mayr

4 months ago

Im writing this review let everyone know how i feel about every bank teller and manager I've ever dealt with at Ocean Air bank. Everyone has always been so friendly and helpfull with my banking. One young lady in particular by the name of Trish has gone above and beyond for four months , by helping me get a refund back into my checking account after an online purchase fell through. She never forgot about me. And made many phone calls on my behalf to help me get my refund. I can't thank her enough for that. Thank you Trish.

Anna Santos

Anna Santos

5 months ago

Everyone there is exceptional at helping the customer. Very professional and friendly. Especially Oscar he makes the transaction so easy and when I have to make deposits and withdraw money. I’d like to also mention Calvin and Cea. For some reason, I always seem to get those three and they’ve always are very hard workers and friendly and very professional. That’s why I love going to this bank they are very efficient.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).