{"slug":"oceanair-federal-credit-union-1-year-ira-term-share-rate","category":"bank","institutionSlug":"oceanair-federal-credit-union","product":"1-Year IRA Term Share","title":"Oceanair Federal Credit Union 1-Year IRA Term Share: 4.25% APY","bonus":"4.25% APY","unit":"cash","amount":0,"reqShort":"$500 minimum, 1-year term","expiresOn":null,"status":"live","verifiedOn":"2026-08-13","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Early withdrawal penalties may apply.","posts":"","applyDomain":"oceanair.org","applyUrl":"https://www.oceanair.org/savings/iras/term-share-certificates/","summary":"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.","reqSteps":[],"finePrint":["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."],"apy":425,"apyTerm":"1-year term","listedOn":"2026-08-13","listedAt":"2026-08-13T13:06:43.743Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"oceanair.org rate page","url":"https://www.oceanair.org/","checkedOn":"2026-08-13"}],"needsVerification":false}