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.
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.
Competitive rates and growth with choice of term. Call or stop by the credit union for details.
- Regular, Roth and Educational Plans
- Spousal and Rollover Plans
- Option to cross-invest IRA savings funds in certificate accounts to earn higher dividends
HOME BANKING - Sign up today!
- Check your balances/Balance your checkbook
- Transfer funds
- 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