Explore Savings Products from OceanFirst Bank

  • FDIC insured. No fees. $1 minimum deposit.

  • 24/7 online access to funds.

  • Strong commitment to helping neighbors and businesses meet their financial needs.

  • Top offer: {218DFC5726D04A98978D0198-APY} APY* high-yield savings account, {218DFC5726D04A98978D0198-APY}{FDIC-S} higher than national average.

Save Now

Explore Savings Products from OceanFirst Bank

  • FDIC insured. No fees. $1 minimum deposit.

  • 24/7 online access to funds.

  • Strong commitment to helping neighbors and businesses meet their financial needs.

  • Top offer: {218DFC5726D04A98978D0198-APY} APY* high-yield savings account, {218DFC5726D04A98978D0198-APY}{FDIC-S} higher than national average.

Save Now

About OceanFirst Bank

collaborating

OceanFirst Bank is a proud New Jersey institution since 1902. What began as a mission to help neighbors achieve their dreams of homeownership has grown over the past 120 years to include aiding in financial needs at every stage of life. Even as OceanFirst has grown, a strong commitment to serving community continues. In 1996, in conjunction with conversion from mutual to stock ownership, OceanFirst Foundation was established.  OceanFirst Foundation is committed to assisting local nonprofit organizations that are improving health and wellness, creating and sustaining safe and affordable housing, improving quality of life, and investing in youth development and education.

Keep Funds Secure with Federal Deposit Insurance

Deposits at OceanFirst Bank are federally insured by the FDIC, up to the institutional limit.

A Good Neighbor and Responsible Corporate Citizen

OceanFirst Bank employees volunteer thousands of hours every year with nonprofit organizations to help our neighbors in need.

stack of coins

Exceptional Savings Opportunities

The savings products offered by OceanFirst Bank exclusively through Raisin feature market-leading rates.

Security Is Our Top Priority

FDIC

FDIC logo

Deposits in OceanFirst Bank are insured by the FDIC. Deposits are insured up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.

Click to learn more about FDIC insurance

Cybersecurity is a top priority at Raisin

SOC2 logo

We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include multi-factor authentication, encryption, and web application firewall advanced internet protection technologies. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.

Click to learn more about SOC 2 certification

OceanFirst Bank, Powered by Raisin

OceanFirst Bank uses the secure Raisin platform to offer savings products to savers nationwide. Customers open accounts at Raisin.com, and the platform manages all aspects of the products offered by OceanFirst Bank, including a customer's deposits and withdrawals, statements and any customer service needs. In simple terms, Raisin provides you exclusive access to a special selection of OceanFirst Bank products. Best of all, Raisin is completely free!

  • Security: Funds deposited into any of the products accessible through Raisin are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.

  • Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.

  • Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

  • Service: A supportive, accessible, responsive customer service team based in New York, NY, sets Raisin apart.

  • Access: Enjoy 24/7 online access to your account and funds.

Press

Read what the media is saying about Raisin.

  • U.S News

    Deposit Solutions is launching its savings portal in the United States

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*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate and APY may change after initial deposit. Minimum opening deposit is $1.00.

Raisin is not a bank and does not hold any customer funds. Funds deposited through Raisin are exclusively held at federally insured financial institutions and FDIC or NCUA deposit insurance coverage only covers the failure of partner banks or credit unions on the Raisin platform.

Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodian Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodian Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered through Raisin.com. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Lewis & Clark Bank is the Custodian Bank.