We are committed to satisfying the needs of our ever-growing membership by offering a broad range of quality products and services.

We offer competitive dividend rates on our savings and investment accounts as well as low interest rates on our Visa, Installment, Home Equity and Mortgage loans. A FREE Checking account is available to any member who has direct deposit or payroll deduction with the Credit Union. We know there are times when it is not convenient to visit our office, so we also offer you convenient access to your funds through our Internet Home Banking, ATM Debit Card and ACCESS24!

For a complete list of our loan products and to apply for a loan, click here.

Please send an email or call us if you wish additional information on any of our products or services and enjoy the many benefits of the Ocean Spray Employees Federal Credit Union membership!

   
  Accounts
  Saving at Ocean Spray Employees Federal Credit Union will help you prepare for the future. We offer savings and checking programs that meet all your financial needs. You’ll find saving easy with the convenience of payroll deduction. Deposit at your convenience or have regular deposits deducted from your paycheck.

Savings Account
Often referred to as your primary account. This opens the door to the Credit Union's wide range of quality products and services. You automatically open a savings account when you become a member of the credit union. You’ll earn competitive dividends based on the average daily balance in the account and you won’t pay any maintenance fees on active accounts.

Vacation and Christmas Club Savings
Save for those special occasions, such as Christmas or a vacation and earn dividends! Open one of Ocean Spray's club accounts and deposit at your convenience or have regular deposits deducted from your paycheck.

Free Checking Accounts
Open a checking account and sign up for payroll deduction or direct deposit and say good-bye to high fees and minimum balances. You can save money and earn dividends at the same time. It offers the following features:

  • No minimum balance requirements
  • No per check charge
  • No monthly service fees or charges if on Direct Deposit or Payroll Deduction!
  • ATM – Access through your checking account round-the-clock at any CIRRUS, NYCE or EXPRESS24 machine
  • Overdraft protection through your savings account

Money Management Accounts
Earn more with our Money Management Account. These accounts offer market dividen rates with immediate access to your funds without penalty.

IRA Savings & Certificates
You can increase the value of your earnings while saving for the future with an IRA Certificate. It's the best way to guarantee a worry-free retirement.

  • Regular, Roth and Educational Plans
  • Spousal and Rollover Plans
  • Option to cross-invest IRA savings funds in certificate accounts to earn higher dividends

Share Certificates
Competitive rates and growth with minimal risk. Call or stop by the credit union for complete details.

   
  Account Access
 

HOME BANKING- With Internet Home Banking you can balance your check book and transfer funds from your home. Sign up for Home Banking today!

  • Check your balances & checks cleared
  • View your account history
  • Transfer funds
  • Download transaction history

BILL PAYER - With Bill Payer you can pay a single or recurring bill from your account via the phone or our web site. The Bill Payer Phone number is 1-877-567-2018. Go to Home Banking if you wish to pay your bill through our web site.

  • Set up Merchants via the Internet or phone
  • Set up single and scheduled recurring payments
  • View payment history

ACCESS 24 - With Access 24, the 24-hour telephone teller system, you can reach your accounts anytime day or night. In effect, Access24 puts a teller in your home, office, car or anywhere there is a touch-tone telephone. Access Phone numbers are (508) 946-7880 and (508) 946-7716.

With ACCESS24, you can:

  • Check your share and loan balances
  • Make check withdrawals
  • Transfer funds
  • Make loan payments
  • Inquire about cleared drafts
  • Check on deposits and withdrawals
  • Request tax information

ATM Debit Card - Access to your Credit Union accounts...

  • 24 Hours a day
  • 7 days a week
  • thousands of locations
   
  Additional Services Available
 
  • Check Cashing
  • Direct Deposit
  • Family Member Accounts
  • Lifetime Membership
  • Low Cost Insurance Programs
  • Member Newsletter
  • Money Orders
  • NADA and other Pricing Information (new and used)
  • Free Notary Public Service
  • Payroll Deduction
  • Travelers Checks (Gift Packs Available)
  • Wire Transfer Service
   

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We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
This credit union is federally insured by the National Credit Union Administration.