We are committed to fulfilling 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 loans and Visa Credit Cards. A FREE Checking account is available to any member who has direct deposit with the Credit Union. Take advantage of the 24 hour access to your accounts via our website (oceansprayefcu.com) or with a MasterCard Debit Card.
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.
ACCOUNTS
Savings Account
Often referred to as your primary account, the savings account opens the door to the credit union’s wide range of quality products and services. You automatically become a member of the credit union when you open a savings. You’ll earn competitive dividends based on the average daily balance in the account and you won’t pay any maintenance fees on active accounts.
We accept direct deposit, so no need to wait for time to go and cash a check.
Vacation and Christmas Club Savings
It’s gratifying watching a club account grow with peace of mind knowing you will have extra money for Christmas gifts or Vacation.
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
Overdraft protection available
Overdraft protection through your savings account
Money Management Accounts
Earn more with a Tiered Money Management Account. These accounts offer market dividend rates with immediate access to your funds without penalty.
Certificates & IRA Savings
You can increase the value of your earnings while saving for the future with a Certificate or an IRA. It’s the best way to guarantee a worry-free retirement.
Share Certificates
Competitive rates and growth with choice of term. Call or stop by the credit union for details.
IRA
Regular, Roth and Educational Plans
Spousal and Rollover Plans
Option to cross-invest IRA savings funds in certificate accounts to earn higher dividends
Account Access
HOME BANKING – Sign up today!
Check your balances/Balance your checkbook
Transfer funds
e-Statements
Maintain Personal Options/Alerts
History Search
Link Accounts (call credit union)
Bill Pay
Gives you control of initiating Merchant Payments instead of the Merchants initiating your payments.
Set up single and scheduled recurring payments
View payment history
MasterCard Debit Card
– Access to your Credit Union
accounts at an ATM or POS 24/7
Worldwide access
Over 55,000 Surcharge free ATM;s with Allpoint Nationwide
Visa Credit Cards
Worldwide access
Save $ $ with our Low interest rate
Additional Services Available
Prepaid Visa Gift Cards
Money Orders
Wire Transfer Services
Free Notary Public Services
NADA vehicle pricing
Account Reconciliation
Your savings federally insured to
at least $250,000 and backed by
the full faith and credit of the
United States Government Agency
National Credit Union Administration,
a U.S. Government Agency
We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.
