Ocean Financial

45 Atlantic Avenue, Oceanside, NY 11572

NCUA Insured3.5 (32 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1969

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

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1969

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

45 Atlantic Avenue

Oceanside, NY 11572

Google Maps 🗺Waze

(516) 620-8100

Service Area

This credit union is located in Oceanside and serves members in the NY area. Currently serving 14,057 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

5.14%

Used Auto Loan

5.39%

Personal Loan

9.99%

Credit Card APR

8.99%

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 NY

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

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

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

Branches & Locations(4 total)

Member Reviews

3.5

32 Google reviews

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

View on Google Maps

LiveLI

7 months ago

This has been our bank for years. Much better service than the big banks.

Sop Ant

a year ago

Horrible experience everytime I visit the Oceanside branch. The only thing that keeps me banking here is that I have direct deposits going into this institution. The tellers are always annoyed and have a very nasty attitude. The guest services desk people are unsure of their products, and I had one change an account transaction incorrectly a few years ago. After today's experience, I had to write this review. I'll be closing my accounts once I redirect my paychecks.

Jeanell Reynolds

3 years ago

Horrible Credit Union, I purchased a car through them and the vehicle was paid off. I had a credit with them so they put it in a savings account but wouldn't give me access to the account. They're a small credit union with only 2 locations and they have short hours. They close at 3pm which most people are working. It's really inconvenient situation. I called several time and was given the run around. It was almost like they didn't want me to have the money in the account. I never dealt with a credit union like this.

Jose Ramone

3 years ago

These are the bottom of the barrel in the banking/Credit Union Business. They are unknowledgeable, poorly trained, bunch of novices. Zero regard for your needs, Everything is a big ordeal to get done. I went in to get a loan, and I waited & waited until I decided to walk around the corner to another Credit Union where I was treated like a human being....and serviced professionally...I DO NOT RECOMMEND! I would give them zero stars if I could! Stay Away!,,,,,

Nicole Grant

4 years ago

We experienced a death in the family and have to access a safe deposit box for the deceased. The steps to access it have been a nightmare with the surrogate court. We live out of state and traveled here to access the box with an order from the court. Multiple voice messages and emails were left unanswered. When we arrived, Liz had not checked her email or messages. We traveled from Texas only to find out there’s another step before we could open the box. How does a manager not check messages and emails and follow up with a client?