Ocean Financial Credit Union Oceanside NY | Best Auto Loans & Business Banking

Introduction

Welcome to Ocean Financial, where community and commitment come together! Located at 45 Atlantic Ave, Oceanside, NY 11572, our branch has proudly served the financial needs of our members since 1969. With a strong membership base of over 14,296 individuals, we have built lasting relationships founded on trust and reliability. At Ocean Financial, we understand that your financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, from checking and savings accounts to auto loans and mortgage refinancing. We are proud to manage total assets exceeding $374 million and total deposits of $43,367,632, reflecting our dedication to helping you achieve your financial goals. Our leadership team is here to support you every step of the way. Under the guidance of CEO Joseph Tedesco and Board President Lisa McGuinness, our team of 44 employees is committed to providing exceptional service. Whether you're looking for personal banking solutions or business financing options, we're here for you. For any official correspondence, please note that while members can visit us at our physical location, mail should be directed to our mailing address: 45 Atlantic Avenue, Oceanside, NY 11572. If you have any questions or need assistance, feel free to call us at 516-620-8100. We invite you to explore our website at Ocean Financial for more information about our services and how we can help you today!

Branch History & Mission

At Ocean Financial, we take great pride in our rich history and unwavering mission to serve the community. Founded in 1969, our branch has grown from humble beginnings to a cornerstone of financial support for residents in Oceanside, NY. Located at 45 Atlantic Ave, Oceanside, NY 11572, we have become more than just a credit union; we are a trusted partner in helping our members achieve their financial goals. Since our inception, Ocean Financial has focused on building strong relationships with our members. Over the years, we have expanded our services to meet the diverse needs of our growing membership base, which now stands at an impressive 14,296 individuals. Our total assets have also seen significant growth, reaching $374,235,020, reflecting our commitment to responsible financial management and the trust placed in us by our members. Our mission is clear: to provide exceptional financial services while supporting the communities we serve. We believe that everyone deserves access to quality banking solutions tailored to their unique needs. Whether it's personal banking, auto loans, mortgage financing, or business banking services, we are dedicated to helping our members succeed financially. In addition to offering traditional banking services like checking and savings accounts, we also embrace modern technology. With features such as online and mobile banking, electronic signatures, and ATM access available at our branch, we strive to make banking convenient and accessible for everyone. Our commitment to ADA compliance ensures that all members can access our services without barriers. While you can visit us at 45 Atlantic Ave, official correspondence should be directed to 45 Atlantic Avenue, Oceanside, NY 11572, should that differ from your visit. We also offer drive-thru service for quick transactions and shared service center availability for seamless banking experiences with partner credit unions. Community engagement is a core part of who we are at Ocean Financial. We actively participate in local events and initiatives designed to uplift and support the people of Oceanside. Through partnerships with local organizations and outreach programs, we aim to make a positive impact beyond just financial transactions. Join us today at Ocean Financial! Experience firsthand how we can help you navigate your financial journey with personalized service and genuine care for your needs. For more information or assistance, feel free to call us at 516-620-8100 or visit our website here. Together, let's build a brighter future for you and your community!

Branch Location & Accessibility

Convenient Access and Services

At Ocean Financial, we understand that your time is valuable. That's why we offer both ATM availability and drive-thru banking services, ensuring that you can complete your transactions with ease. Whether you're withdrawing cash or making a quick deposit, our drive-thru is here to serve you efficiently. We also prioritize accessibility for all our members. Our branch is equipped with features such as ADA-compliant ramps, allowing everyone to enjoy the services we provide without hassle. Additionally, there's ample parking available right outside, making your visit straightforward and stress-free.

Get in Touch!

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 516-620-8100. We look forward to welcoming you into our branch and helping you with all your banking needs. Come see how Ocean Financial is dedicated to serving you better!

Operating Hours That Fit Your Schedule

Our operating hours are designed to accommodate your busy lifestyle. We're open Monday from 9 AM to 5 PM, Tuesday through Thursday from 9 AM to 3 PM, Friday from 9 AM to 7 PM, and Saturday from 9 AM to noon. No matter when you need us, we're here to help! While members can visit us at our main location on Atlantic Avenue, official correspondence should be sent to the same address: 45 Atlantic Avenue, Oceanside, NY 11572.

Member Eligibility

At Ocean Financial, we believe that everyone deserves a supportive financial community. Becoming a member is not just about opening an account; it's about joining a family that values your needs and goals. If you live, work, or worship in the areas surrounding our branch at 45 Atlantic Ave, Oceanside, NY 11572, you're likely eligible to become a member! We welcome individuals from various backgrounds, so whether you're looking for personal banking services or seeking to establish a strong financial foundation, we're here for you. Joining us is simple and inclusive. Just check out the detailed eligibility criteria on our website at oceanfinancial.org/join-offcu/membership-eligibility to see if you qualify. And when you're ready to take the next step, opening an account is easy too visit oceanfinancial.org/resources/loan-applications for more information. If you have any questions or need assistance, don't hesitate to give us a call at 516-620-8100. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $384 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,801,086, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide comprehensive merchant services that simplify payment processing. Imagine seamlessly accepting credit card payments from customers while keeping track of transactions effortlessly. Our services help you focus on what you do best running your business while we take care of the financial details. Whether you're looking to expand your operations or manage day-to-day transactions efficiently, Ocean Financial is here to support your success every step of the way. Contact us today at (516) 620-8100 or visit us online at https://www.oceanfinancial.org/ for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options provide flexible terms that fit your budget. We'll guide you through the process, ensuring you find the best deal possible so you can hit the road with confidence.

Business Banking Services

For our business members, we offer tailored business banking solutions, including merchant services and business loans. We understand the challenges of running a business and are committed to supporting your growth with competitive financing options.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms. Check balances, transfer funds, and pay bills all from the comfort of your home or while on the go. Plus, enjoy easy access to ATMs for cash withdrawals anytime.

Drive-Thru & Shared Branch Transactions

For those days when you prefer face-to-face service but are short on time, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. Additionally, as part of our commitment to community, we offer basic shared branch transactions for partner credit union members. At Ocean Financial, we pride ourselves on being more than just a financial institution; we're a part of your community dedicated to helping you achieve your financial goals. Visit us today at 45 Atlantic Ave Oceanside Ny 11572 or check out our website at Oceanside for more information on how we can assist you. Don't hesitate to call us at (516) 620-8100 we're here to help!

Mortgage Loans & Refinancing

If homeownership is on your mind, explore our mortgage loans and refinancing solutions. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our knowledgeable staff will walk you through your options to find what works best for you.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking options like checking and savings accounts designed for everyday use. Our accounts come with features that make banking simple and accessible. Need to make a quick purchase? With our credit cards that offer rewards, you can earn points on every transaction, making your spending more rewarding.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can provide the financial relief you need, whether it's for medical bills, home repairs, or consolidating debt. Let us help simplify your financial obligations and get back on track.

Digital & Online Banking

Convenient Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.oceanfinancial.org/, you can check your account balance, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, managing your money has never been simpler.

Effortless Transactions

Need to send money to a friend? Our person-to-person transfer feature makes it easy to send money quickly without any fuss. You can also set up recurring payments or one-time transfers with just a few clicks.

Safe and Secure Banking

Your security is our top priority. We use advanced security measures to protect your information while providing user-friendly features that help you manage your accounts effectively. From logging in securely to tracking transactions, we've got you covered every step of the way. At Ocean Financial, we are committed to providing you with accessible, easy-to-use online banking solutions that fit seamlessly into your lifestyle. Explore more about our digital services today by visiting https://www.oceanfinancial.org/!

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you'll receive your account statements directly to your email. This not only helps you stay organized but also adds an extra layer of security by reducing the risk of sensitive information falling into the wrong hands.

User-Friendly Mobile Application

Our mobile application is designed with you in mind. It allows for quick access to all your banking needs right from your smartphone. You can easily deposit checks using electronic signature authorization, making transactions fast and hassle-free. Plus, our app supports mobile payments, so you can make purchases with just a tap.

Financial Strength

At Ocean Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's economic climate, knowing your financial institution is solid can provide peace of mind. With a net worth of $32,925,015, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 879 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $156,143,053 in share certificates and $86,075,960 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $32,661,035 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with $2,290 in used auto loans and a total of $236,138,769 in loans and leases available for our community. Our operational efficiency is evident with a net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our commitment to providing quality service is reflected in our growth as well; we currently have a total of 29,568 share accounts, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ocean Financial is your trusted partner. Visit us at 45 Atlantic Ave Oceanside NY 11572 or call 516-620-8100 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $34,452,417 in used vehicle loans and $7,053,694 in new vehicle loans already helping members get on the road, we provide flexible financing options tailored to fit your budget. Whether you're interested in a brand-new model or a reliable pre-owned vehicle, we have the right loan for you.

Credit Lines and Other Loans

For those looking for additional flexibility in their borrowing options, our credit lines totaling $64,500,102 provide access to funds as needed. This can be especially helpful for unexpected expenses or planned projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $70,907,599. Our team is here to guide you through the process and find the best terms to suit your needs.

Refinancing Options

If you're considering refinancing existing debts or loans, we have options available to ensure you get the most favorable terms possible. Our experienced staff can help assess your situation and guide you through the refinancing process. At Ocean Financial, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing personalized service that fits your unique financial situation. Explore our loan offerings today and let us assist you in taking the next step towards financial empowerment!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,204,821 in loans helping members manage their finances effectively. Enjoy the freedom to make purchases while keeping your monthly payments manageable.

Loan Aggregator

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Ocean Financial