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OLATHE

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OLATHE Rates & Review September 2026

Q: How many branches does OLATHE operate?

OLATHE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join OLATHE?

Yes, to access services at OLATHE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, OLATHE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OLATHE provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

OLATHE rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not OLATHE, and you can see how they compare in the OLATHE rate tables below. MonitorBankRates evaluates the financial stability of OLATHE with a 3.4 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 12.61%. Database rates last updated and verified on 09/23/2026.

OLATHE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OLATHE? Share your experience about OLATHE by leaving a review below, or read customer reviews before you decide to use OLATHE.

Overall Health & Safety Grade

C+

Fair Health Score: 77/100

MonitorBankRates Rating

3.4

Good Out of 5.0 Stars

Texas Ratio

12.61%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

OLATHE
Olathe Federal Credit Union

314 Main St
Olathe, CO 81425

Current Rate Availability

We're not currently displaying rates for OLATHE, but our database is updated constantly, so check back soon for the latest offers.

Are you with OLATHE? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

OLATHE’s Texas Ratio rose from 4.61% in Q2 2023 to 12.61% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.4 and its Health Grade from A+ to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2M	12.61%	3.4	C+
December 31, 2025	$2M	21.44%	2.5	D
September 30, 2025	$2M	17.38%	3.7	C+
June 30, 2025	$1M	5.75%	4.5	A-
March 31, 2025	$1M	14.07%	5.0	A-
December 31, 2024	$1M	0.00%	5.0	A+
September 30, 2024	$1M	0.96%	5.0	A+
June 30, 2024	$1M	9.07%	5.0	A
March 31, 2024	$1M	4.13%	5.0	A+
December 31, 2023	$1M	0.00%	5.0	A+
September 30, 2023	$1M	3.69%	5.0	A+
June 30, 2023	$1M	4.61%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OLATHE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather OLATHE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OLATHE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OLATHE

Website N/A

Address 314 Main St, Olathe, CO 81425

Phone 970-323-5448

Fax 970-323-5512

President Jesus Torres

CEO Nancy Reaksecker

Full-Time Employees 1

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.4 / 5.0 ★

Overall Health & Safety Grade

C+ (77/100)

Texas Ratio

12.61%

Return on Assets (ROA)

0.1718%

Return on Equity (ROE)

3.2083%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

1,594,601

Total Amount of Shares and Deposits

1,509,230

Total Shares and Deposits < 1 Year

1,509,230

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,509,230

Total Interest Expense (Sum of items 6 8)

17,767

Share Certificates

Number of Accounts for Regular Shares

264

Net Income (unless the amount is already included in Undivided Earnings)

2,739

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Undercapitalized

Net Worth Classification if credit union is a new credit union

Moderately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

222,478

Total Liabilities

1,509,230

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About OLATHE

How many branches does OLATHE operate?

OLATHE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join OLATHE?

Yes, to access services at OLATHE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, OLATHE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OLATHE provides members with tools to manage their accounts and build a solid financial history.

Does OLATHE offer online and mobile banking?

Most modern institutions like OLATHE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.