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OlyFed Olympia Federal S&L Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 11, 2026
OlyFed Olympia Federal S&L's top rates as of October 11, 2026 are 3.25% APY on its 9-Months 9 Mo. CD Special, 2.57% APY on savings, 0.20% APY on money market accounts, and 4.13% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of OlyFed Olympia Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates last updated and verified on 10/11/2026.
OlyFed Olympia Federal S&L 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 OlyFed Olympia Federal S&L? Share your experience about OlyFed Olympia Federal S&L by leaving a review below, or read customer reviews before you decide to use OlyFed Olympia Federal S&L.
OlyFed Olympia Federal S&L has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
OlyFed Olympia Federal S&L has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.92%
ExcellentLower than avg
OlyFed Olympia Federal S&L Texas Ratio
OlyFed Olympia Federal S&L's Texas Ratio is 1.92%, which is considered excellent and is lower than the national average of 5.85%.
OlyFed Olympia Federal S&L has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.38% to 1.92% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
OlyFed Olympia Federal S&L CD Rates
Product
Rate
APY
Term
View More
9 Mo. CD Special
3.20%
3.25%
9 months
Min Deposit$500
Min Balance$500
Details9 Mo. CD Special | $10k+ in New Money or Checking w/ $500+ Monthly Direct Deposit; Accounts with deposits of $10,000+ in new money or an OlyFed checking account with a minimum of a $500 monthly direct deposit will receive an interest rate of 3.83%/3.90% APY. New money is defined as funds not currently held on deposit with Olympia Federal Savings (OlyFed).
Last Updated10/11/2026
Rate History
1 change since Sep 18, 2026 · 3.83% → 3.25% ▼ 0.58 pts · high 3.83% / low 3.25%
Sep 19, 20263.25%▼ from 3.83%
Sep 18, 20263.83%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Savings Rates
Product
Rate
APY
View More
Companion Savings
2.50%
2.57%
Min Deposit$100
Min Balance$0
DetailsVariable rate account. Interest rate of 2.50% and 2.57% Annual Percentage Yield (APY) is effective as of January 3, 2025, and is subject to change anytime without notice. Initial deposits into the Companion Savings Account cannot exceed the deposits into any new or renewing Certificate of Deposit (CD). Deposits into Companion Savings Accounts can only be made when a new CD is opened, a deposit is made into an existing Certificate or an existing CD account is renewed at time of maturity. When a CD matures, up to the entire balance of the maturing CD may be deposited into a Companion account. Deposits must be made the same day as the deposits into the CD or at time of maturity. Companion Savings Accounts are compatible with any CD (including IRA's). Minimum opening deposit of $100. All balances receive the stated APY. Fees may reduce earnings and rate may change after account opening. Terms and conditions apply. See Truth in Savings disclosure for details.
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 2.57% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Statement Savings
0.05%
0.05%
Min Deposit$100
Min Balance$50
Details$3 quarterly service charge will be imposed if average daily balance falls below $100. Variable interest rate account. Rates may change anytime and without notice. Fees may reduce earnings.
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Business Savings Rates
Product
Rate
APY
View More
Business Companion Savings
2.50%
2.57%
Min Deposit$100
Min Balance$0
DetailsContact OlyFed; Variable rate account. Interest rate of 2.50% and 2.57% Annual Percentage Yield (APY) is effective as of February 28, 2025, and is subject to change anytime without notice. Initial deposits into the Companion Savings Account cannot exceed the deposits into any new or renewing Certificate of Deposit (CD). Deposits into Companion Savings Accounts can only be made when a new CD is opened, a deposit is made into an existing Certificate or an existing CD account is renewed at time of maturity. When a CD matures, up to the entire balance of the maturing CD may be deposited into a Companion account. Deposits must be made the same day as the deposits into the CD or at time of maturity. Companion Savings Accounts are compatible with any CD (including IRA's). All balances receive the stated APY. Fees may reduce earnings and rate may change after account opening. Terms and conditions apply. See Truth in Savings disclosure for details.
Last Updated10/11/2026
Rate History
No change since Oct 11, 2026 · 2.57% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business Statement Savings
0.05%
0.05%
Min Deposit$100
Min Balance$50
DetailsContact OlyFed
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Money Market Rates
Product
Rate
APY
View More
Personal Money Market Account
0.20%
0.20%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Personal Money Market Account
0.20%
0.20%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Premium Personal Money Market Account
0.20%
0.20%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Personal Money Market Account
0.10%
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Personal Money Market Account
0.05%
0.05%
Min Deposit$2,500
Min Balance$50
DetailsBalance: $50 - $2,499.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Premium Personal Money Market Account
0.05%
0.05%
Min Deposit$50,000
Min Balance$50
DetailsBalance: $50-$49,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Checking Rates
Product
Rate
APY
View More
Journey Checking Account
4.00%
4.13%
Min Deposit$100
Min Balance$10,000
DetailsQualifications Required: Monthly direct deposit of $500 or more; debit card activation and 10 debit transactions posted per statement cycle; signing up to receive eStatements; Variable interest rate account. Rates effective as of July 3, 2025, and are subject to change any time and without notice. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 4.13% to 0.46%, depending on the balance in the account. If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account. Fees may reduce earnings, and rate may change after account opening.
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 4.13% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
lyfe Checking
4.00%
4.13%
Min Deposit$50
Min Balance$1,000
DetailsQualifications Required: 1 direct deposit or ACH credit; eStatements enrollment; Balance: $1,000.00 or less; Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19.
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
lyfe Checking
0.15%
0.19%
Min Deposit$50
Min Balance$1,000
DetailsBalance: greater than $1,000.00; Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19.
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 0.19% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
lyfe Checking
0.15%
0.15%
Min Deposit$50
DetailsIf your account does not have the required activity noted below* an interest rate of 0.15% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.15%, depending on the balance in the account. Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19.
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Journey Checking Account
0.05%
0.05%
Min Deposit$100
Min Balance$10,000
DetailsQualifications Required: Monthly direct deposit of $500 or more; debit card activation and 10 debit transactions posted per statement cycle; signing up to receive eStatements; Variable interest rate account. Rates effective as of July 3, 2025, and are subject to change any time and without notice. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 4.13% to 0.46%, depending on the balance in the account. If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account. Fees may reduce earnings, and rate may change after account opening.
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Green Choice Retrofit Home Equity Loan (HELP)
-
-
6.75%
DetailsGreen Choice Retrofit: 6.750% (80% Max LTV) Open/Close
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Home Equity Loan (HELP)
-
-
7.50%
Details7.500% Fixed (80% Max LTV) Open/Close
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Home Equity Loan (HELP)
-
-
7.75%
Details7.750% Fixed (80% Max LTV) Open/Close
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 7.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
OlyFed Olympia Federal S&L Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business
0.05%
-
0.05%
Min Deposit$1,000
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.10%
-
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.10%
-
0.10%
Min Deposit$50,000
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.10%
-
0.10%
Min Deposit$1,000
Min Balance$25,000
DetailsBalance: $25,000 - $74,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.20%
-
0.20%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.15%
-
0.15%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.12%
-
0.12%
Min Deposit$1,000
Min Balance$75,000
DetailsBalance: $75,000 - $149,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.12% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.20%
-
0.20%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.05%
-
0.05%
Min Deposit$2,500
Min Balance$50
DetailsBalance: $50 - $2,499.99; Contact OlyFed
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business
0.10%
-
0.10%
Min Deposit$50,000
Min Balance$50
DetailsBalance: $50 - $9,999.99; Contact OlyFed
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
HSA
0.05%
-
0.05%
Min Deposit$1
Min Balance$0
DetailsRates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings.
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Outreach Business
0.05%
-
0.05%
Min Deposit$100
Min Balance$100
DetailsContact OlyFed
Last Updated10/11/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Financial Health History
OlyFed Olympia Federal S&L’s Texas Ratio stayed near 2.38% in Q3 2023 to 1.92% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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
June 30, 2026
$1.0B
1.92%
5.0
A+
March 31, 2026
$1.0B
2.71%
5.0
A+
December 31, 2025
$1.0B
2.32%
5.0
A+
September 30, 2025
$1.0B
1.93%
5.0
A+
June 30, 2025
$1.0B
2.37%
5.0
A+
March 31, 2025
$982M
2.33%
5.0
A+
December 31, 2024
$993M
2.25%
5.0
A+
September 30, 2024
$979M
2.19%
5.0
A+
June 30, 2024
$984M
2.12%
5.0
A+
March 31, 2024
$969M
2.53%
5.0
A+
December 31, 2023
$961M
2.36%
5.0
A+
September 30, 2023
$938M
2.38%
5.0
A+
Source: FDIC 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 OlyFed Olympia Federal S&L is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather OlyFed Olympia Federal S&L 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 OlyFed Olympia Federal S&L's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameOlyFed Olympia Federal S&L
FDIC Certificate #28599
Address
421 Capitol Way S,
Olympia, WA 98501 · Thurston
OlyFed Olympia Federal S&L earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for OlyFed Olympia Federal S&L
Frequently Asked Questions About OlyFed Olympia Federal S&L
How many branches does OlyFed Olympia Federal S&L operate?
OlyFed Olympia Federal S&L currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, OlyFed Olympia Federal S&L 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, OlyFed Olympia Federal S&L provides members with tools to manage their accounts and build a solid financial history.
Does OlyFed Olympia Federal S&L offer online and mobile banking?
Most modern institutions like OlyFed Olympia Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.olyfed.com.
Current OlyFed Olympia Federal S&L Rates
Savings2.57%
MMA0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
