What are the current interest rates at OlyFed Olympia Federal S&L?

Current rates for OlyFed Olympia Federal S&L include: Savings: 0.05%, MMA: 0.05%

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OlyFed Olympia Federal S&L

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OlyFed Olympia Federal S&L Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

OlyFed Olympia Federal S&L's savings rates are at 0.05%. OlyFed Olympia Federal S&L's money market rates are at 0.05%. 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 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

OlyFed Olympia Federal S&L

421 Capitol Way S
Olympia, WA 98501

https://www.olyfed.com

OlyFed Olympia Federal S&L Savings Rates

Product	Rate	APY	View More
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 Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

OlyFed Olympia Federal S&L Money Market Rates

Product	Rate	APY
Personal Money Market Account (MMA) - Tier 1	0.05%	0.05%
Min Deposit $2,500 Min Balance $50 Details Balance: $50 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Premium Personal Money Market Account (MMA) - Tier 1	0.05%	0.05%
Min Deposit $50,000 Min Balance $50 Details Balance: $50-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

OlyFed Olympia Federal S&L Checking Rates

Product	Rate	APY
lyfe Checking	4.00%	4.13%
Min Deposit $50 Min Balance $1,000 Details Qualifications Required: monthly deposit or transfer of $10 or more; signing up to receive eStatements; If your daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%. An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will range from 4.13% to 0.19%, depending on the balance in the account. If 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. Premium rate requires monthly deposit or transfer of $10 or more and signing up to receive eStatements. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. ONLINE LYFE ACCOUNT OPENING DISCLOSURE: A parent and/or legal guardian is required to open a lyfe Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired. Last Updated 09/22/2026 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 Details Qualifications Required: monthly deposit or transfer of $10 or more; signing up to receive eStatements; If your daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%. An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will range from 4.13% to 0.19%, depending on the balance in the account. If 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. Premium rate requires monthly deposit or transfer of $10 or more and signing up to receive eStatements. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. ONLINE LYFE ACCOUNT OPENING DISCLOSURE: A parent and/or legal guardian is required to open a lyfe Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
lyfe Checking	0.15%	0.15%
Min Deposit $50 Min Balance $0 Details Qualifications Required: monthly deposit or transfer of $10 or more; signing up to receive eStatements; If your daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%. An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will range from 4.13% to 0.19%, depending on the balance in the account. If 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. Premium rate requires monthly deposit or transfer of $10 or more and signing up to receive eStatements. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. ONLINE LYFE ACCOUNT OPENING DISCLOSURE: A parent and/or legal guardian is required to open a lyfe Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired. Last Updated 09/22/2026 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
Green Choice Retrofit: 6.750% (80% Max LTV) Home Equity Loan	-	-	6.75%
Details Home Equity Loan (HELP) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
7.500% Fixed (80% Max LTV) Home Equity Loan	-	-	7.50%
Details Home Equity Loan (HELP) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
7.750% Fixed (80% Max LTV) Home Equity Loan	-	-	7.75%
Details Home Equity Loan (HELP) Last Updated 09/22/2026 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
HSA	0.05%	-	0.05%
Min Deposit $1 Min Balance $0 Details Rates 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 Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Journey	4.00%	-	4.13%
Min Deposit $100 Details Qualifications 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 daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%. 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. Premium rate requires monthly direct deposit of $500 or more, debit card activation and 10 debit transactions posted per statement cycle, and signing up to receive eStatements. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings, and rate may change after account opening. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 Name OlyFed Olympia Federal S&L

FDIC Certificate # 28599

Address 421 Capitol Way S, Olympia, WA 98501 · Thurston

Website https://www.olyfed.com

Established 19060101

FDIC Insurance Date 19890809

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3611%

Return on Equity (ROE) 3.1300%

Non-Performing Loans (NPL) 0.22%

Total Assets $1,019,363,000

Total Deposits $709,687,000

Equity Capital $118,508,000

Net Income $1,838,000

Headquarters Olympia

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

OlyFed Olympia Federal S&L earned the Verified Healthy badge

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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.