# Oceanair Federal Credit Union 1-Year IRA Term Share: 4.25% APY

Canonical: https://dealaka.com/offers/oceanair-federal-credit-union-1-year-ira-term-share-rate

- Status: Limited reports
- Bonus: 4.25% APY
- APY: 4.25% (1-year term)
- Requirement: $500 minimum, 1-year term
- Expires: no published end date
- Availability: Nationwide
- Institution: Oceanair Federal Credit Union
- Verified: Aug 13, 2026 against oceanair.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the 1-Year IRA Term Share.
2. Complete the requirement: $500 minimum, 1-year term.

## 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.

## Sources
- oceanair.org rate page <https://www.oceanair.org/> (checked Aug 13, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._