We are committed to satisfying the needs of our ever-growing membership by offering a broad range of quality products and services.

We offer competitive dividend rates on our savings and investment accounts as well as low interest rates on our Visa, Installment, Home Equity and Mortgage loans. A FREE Checking account is available to any member who has direct deposit with the Credit Union. For convenience, access your account funds and transfers by visiting our Internet Home Banking/Virtual Branch or access with a Mastercard Debit Card.

For a complete list of our loan products and apply for a loan, click on tabs above

Please send an email or call us if you wish additional information on any of our products or services. Enjoy the many benefits of the Ocean Spray Employees Federal Credit Union membership! And remember, once a member, always a member, lifetime membership.


  Saving at Ocean Spray Employees Federal Credit Union will help you prepare for the future. We offer savings and checking programs that meet all your financial needs. Youíll find saving easy with the convenience of direct deposit.

Savings Account
Often referred to as your primary account, the savings account opens the door to the credit unionís wide range of quality products and services. You automatically open a savings account when you become a member of the credit union. Youíll earn competitive dividends based on the average daily balance in the account and you wonít pay any maintenance fees on active accounts.

Vacation and Christmas Club Savings
Save for those special occasions, such as Christmas or a vacation and earn dividends! Open one of Ocean Spray's club accounts and deposit at your convenience or have regular deposits deducted from your paycheck.

Free Checking Accounts
Open a checking account and sign up for direct deposit and say good-bye to high fees.

  • 5.00 minimum balance required
  • No per check charge
  • No monthly service fees or charges
  • ATM-Access your checking account round-the-clock with a MC-debit card
  • Overdraft protection through your savings account

Money Management Accounts
Earn more with our Money Management Account. These accounts offer market dividend rates with immediate access to your funds without penalty.

IRA Savings & Certificates
You can increase the value of your earnings while saving for the future with an IRA Certificate. Itís the best way to guarantee a worry-free retirement.

  • Regular, Roth and Educational Plans
  • Spousal and Rollover Plans
  • Option to cross-invest IRA savings funds in certificate accounts to earn higher dividends

Share Certificates
Competitive rates and growth with minimal risk. Call or stop by the credit union for complete details.

  Account Access

HOME BANKING- With Internet Home Banking you can balance your check book and transfer funds from home. Sign up today @ https://www.netit.financial-net.com/oceansprayefcu/cgi-bin/ebs

  • Check your balances & checks cleared
  • View your account history
  • Transfer funds
  • Real time updates

BILL PAYER - With Bill Payer you can pay a single bill or set up recurring entries from your account. Bill Payer access is located on our Virtual Branch welcome page. Paying bills will be a breeze. The Bill Payer phone number is 1-877-567-2018.

  • Set up Merchants via the Internet or phone
  • Set up single and scheduled recurring payments
  • View payment history

ATM Debit Card - Access to your Credit Union accounts

  • 24 Hours a day
  • 7 days a week
  • Worldwide access
  • 55,000 Surcharge free ATMíS with Allpoint
  • For Lost or stolen Mastercard/debit card
    • After hours call 800-472-3272

Visa Credit Cards - Save $$$ with our Low interest rate

  • For Lost or stolen Visa Card
    • After hours call 800-843-5463


  Additional Services Available
  • Money Orders
  • Traveler's Checks
  • Family Member Accounts
  • Member Newsletter
  • NADA and other Pricing information (new and used vehicles)
  • Free Notary Public Services
  • Wire Transfer Service
  • Fee Schedule

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Annual Privacy Notice

We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration.