Term Share Certificates
Grow Faster. Earn Smarter.
Earn more than your average savings account with a Term Share Certificate! You can earn higher returns while enjoying the security of a fixed rate. Choose a short or long term option that fits your timeline and watch your savings grow.
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PROMOTIONAL CERTIFICATES: *APY = Annual Percentage Yield. Must meet membership and account criteria. $500 minimum opening deposit and $500 minimum balance required to earn the opening APY until the end of the term, unless otherwise specified. The Dividend Rate and Annual Percentage Yield are fixed for the term of your Certificate Account. Visit your local branch to apply or call us at 805.278.5813. IRA Certificates can only be opened at a branch. Dividends are earned daily, are compounded, and credited monthly on the first day of each month. All certificate APY assumes dividends remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Withdrawals, penalties and fees may reduce principal and earnings. Penalties will apply for early withdrawals. The IRS on Individual Retirement Accounts (IRA) Certificates may impose additional penalties. Please consult with a tax professional for more information. Other restrictions apply. Rate is accurate as of 08/11/2025 and is subject to change. 6, 12-month, 1-Year and 2-Year Promo Certificates may end at any time. EPIC Premium Checking required. If your EPIC Premium Checking account is closed prior to maturity for any reason, the dividend rate for your account will be reduced to the prevailing dividend rate being paid as of the date your account was opened. This lower rate will be applied for the remainder of the term of the Certificate. All rates, terms, services, and conditions are subject to change without notice. Certificate will automatically renew into like term at the prevailing dividend rate unless you tell us otherwise. Visit us at https://oceanair.org/product/term-share-certificates/ for full Dividend Rates and Disclosures. OceanAir reserves the right to end or modify these offers at any time without notice.
