Oceanair offers 4.25% APY on 1-year IRA term share certificates with a $500 minimum deposit. The stated rate is 4.169%. Early withdrawal penalties may apply.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Oceanair Federal Credit Union 1-Year IRA Term Share rate
- Apply through the offer page to open the 1-Year IRA Term Share.
- Complete the requirement: $500 minimum, 1-year term.
The fine print that matters
- Stated rate is 4.169%.
- Fees can reduce earnings on the account.
- Early withdrawal penalties may apply.
- Oceanair reserves the right to end or modify these offers at any time without notice.
Verification and reports
Confirmed against oceanair.org on Aug 13, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: oceanair.org rate page (checked Aug 13, 2026)
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