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*Annual Percentage Yield (APY) shown is accurate as of 10/1/2026. This is a limited-time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 9-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rates and APYs are offered at the bank’s discretion and may change daily. Actual earnings may vary. $5,000.00 minimum to open and $100,000.00 maximum funding without Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. Promotional APY increase and $250,000.00 maximum funding amount only with a Freestyle Non-Interest Checking or Community Business Checking account within 60 days of the opening date of this certificate. OceanFirst Bank employees can open any OceanFirst checking account for promotional APY increase. Promotional APY increase will be retroactive to the first day of the month the qualifying checking account is opened. Offer only available to new deposit customers, loan-only customers or employees of the bank who open a new 9-month CD Special. New customer is defined as someone who has not had a checking, savings or CD account with the bank within the last 12 months and must be opened with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply. Government accounts excluded.

 *All annual percentage yields (APYs) on interest bearing accounts subject to change at any time at our discretion and without notice. Account requires $250.00 to open and a $250.00 monthly minimum balance, with $50,000 monthly minimum balance required to earn the promotional APY. Account must be opened with funds not currently on deposit at OceanFirst Bank. If the balance falls below $250.00 during the statement cycle, a $5 monthly balance fee will apply. $100,000 maximum funding per account. A $5.00 excess transaction fee will apply for each withdrawal or transfer over three (3) per statement cycle. A $5.00 paper statement fee will apply. Fees may reduce earnings. Business accounts and government accounts are not eligible. Offer is not transferable. 

*Annual Percentage Yield (APY) shown is accurate as of 8/10/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 3-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

*Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.