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OlyFed Olympia Federal S&L Rates & Review June 2026

OlyFed Olympia Federal S&L's 8-Months 8 Mo. Outreach CD | For Nonprofit & Community Organizations** rates are at 3.82%, 6-Months 6 Mo. CD rates are at 3.35%, 12-Months 12 Mo. IRA rates are at 3.10%, 12-Months 12 Mo. CD rates are at 3.00%, 18-Months 18 Mo. IRA rates are at 3.00%. 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%. OlyFed Olympia Federal S&L's Personal Loan Rates are at 7.04%. 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 2.38%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.38%
Excellent Lower than avg
OlyFed Olympia Federal S&L
421 Capitol Way S
Olympia, WA 98501
https://www.olyfed.com
Member FDIC

OlyFed Olympia Federal S&L CD Rates

Product Rate APY Term View More
8 Mo. Outreach CD | For Nonprofit & Community Organizations** 3.75% 3.82% 8 months
Min Deposit $2,500
Min Balance $2,500
Details An open and active Outreach Checking account is required to open an Outreach CD.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
6 Mo. CD 3.30% 3.35% 6 months
Min Deposit $2,500
Min Balance $2,500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
12 Mo. IRA 3.01% 3.10% 12 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
12 Mo. CD 2.96% 3.00% 12 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
18 Mo. IRA 2.92% 3.00% 18 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
18 Mo. CD 2.86% 2.90% 18 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
91 Day CD 2.72% 2.75%
Min Deposit $2,500
Min Balance $2,500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
24 Mo. IRA 2.63% 2.70% 24 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
24 Mo. CD 2.57% 2.60% 24 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
60 Mo. IRA 2.53% 2.60% 60 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
72 Mo. IRA 2.53% 2.60% 72 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
60 Mo. CD 2.47% 2.50% 60 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
72 Mo. CD 2.47% 2.50% 72 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
30 Mo. CD 2.37% 2.40% 30 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
36 Mo. IRA 2.34% 2.40% 36 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
48 Mo. IRA 2.34% 2.40% 48 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
48 Mo. Dream Builder CD 2.32% 2.35% 48 months
Min Deposit $50
Min Balance $50
Details Compounding Method: Monthly; Contact OlyFed
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
36 Mo. CD 2.28% 2.30% 36 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
48 Mo. CD 2.28% 2.30% 48 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
48 Mo. Dream Saver CD 2.23% 2.25% 48 months
Min Deposit $50
Min Balance $50
Details Compounding Method: Monthly; Contact OlyFed
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
120 Mo. IRA 1.57% 1.60% 120 months
Min Deposit $50
Min Balance $50
Details Open Online
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
120 Mo. CD 1.49% 1.50% 120 months
Min Deposit $100
Min Balance $100
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
15 Mo. Add-On CD†† 1.30% 1.31% 15 months
Min Deposit $100
Min Balance $100
Details Add-on and bump rate CDs are only available for consumer customers and not businesses/organizations.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
18 Mo. Add-on Bump Rate CD* 1.20% 1.21% 18 months
Min Deposit $100
Min Balance $100
Details Variable rate for term. The interest rate on your Bump Rate CD account may change once during the term. Add-on and bump rate CDs are only available for consumer customers and not businesses/organizations.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
24 Mo. Add-On CD†† 1.20% 1.21% 24 months
Min Deposit $100
Min Balance $100
Details Add-on and bump rate CDs are only available for consumer customers and not businesses/organizations.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
48 Mo. Add-On CD†† 1.20% 1.21% 48 months
Min Deposit $100
Min Balance $100
Details Add-on and bump rate CDs are only available for consumer customers and not businesses/organizations.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
60 Mo. Bump Rate CD* 0.90% 0.90% 60 months
Min Deposit $100
Min Balance $100
Details Variable rate for term. The interest rate on your Bump Rate CD account may change once during the term.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Savings Rates

Product Rate APY View More
Companion Savings 2.50% 2.57%
Min Deposit $100
Details Variable 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Companion Savings* 2.50% 2.57%
Min Deposit $100
Min Balance $0
Details 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). 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Companion Savings*** 2.50% 2.57%
Min Deposit $100
Min Balance $0
Details Variable rate account. 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).
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Super Saver 0.15% 0.15%
Min Deposit $1
Min Balance $0
Details Compounding Method: Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Statement Savings 0.05% 0.05%
Min Deposit $100
Min Balance $50
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Statement Savings* 0.05% 0.05%
Min Deposit $100
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 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Money Market Rates

Product Rate APY View More
Premium Personal Money Market Account (MMA) Tier 8 2.75% 2.83%
Min Deposit $50,000
Min Balance $1,000,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 7 2.10% 2.15%
Min Deposit $50,000
Min Balance $500,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 6 1.35% 1.38%
Min Deposit $50,000
Min Balance $250,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 5 1.10% 1.12%
Min Deposit $50,000
Min Balance $200,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 4 0.85% 0.87%
Min Deposit $50,000
Min Balance $150,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Personal Money Market Account (MMA) Tier 5 0.50% 0.51%
Min Deposit $2,500
Min Balance $100,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 3 0.50% 0.51%
Min Deposit $50,000
Min Balance $100,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Personal Money Market Account (MMA) Tier 3 0.20% 0.20%
Min Deposit $2,500
Min Balance $10,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Personal Money Market Account (MMA) Tier 4 0.20% 0.20%
Min Deposit $2,500
Min Balance $50,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 2 0.20% 0.20%
Min Deposit $50,000
Min Balance $50,000
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Personal Money Market Account (MMA) Tier 2 0.10% 0.10%
Min Deposit $2,500
Min Balance $2,500
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Personal Money Market Account (MMA) Tier 1 0.05% 0.05%
Min Deposit $2,500
Min Balance $50
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Premium Personal Money Market Account (MMA) Tier 1 0.05% 0.05%
Min Deposit $50,000
Min Balance $50
Details Daily
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Checking Rates

Product Rate APY View More
lyfe Checking 4.00% 4.13%
Min Deposit $50
Min Balance $0
Details Qualifications Required: monthly deposit or transfer of $10 or more; signing up to receive eStatements; Compounding Method: Monthly; Online Only
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Home Equity & HELOC

Product Rate Points APR Term View More
HELOC LTV - Up To & Including 80% 6.88% - 6.88%
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Home Equity Green Choice Retrofit: 6.750% (80% Max LTV) - - 7.01% 10 Years
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Home Equity 7.250% Fixed (80% Max LTV) - - 7.52% 10 Years
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Home Equity 7.500% Fixed (80% Max LTV) - - 7.69% 15 Years
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%
Home Equity 7.750% Fixed (80% Max LTV) - - 7.89% 25 Years
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Auto Loan Rates

Product Rate Points APR Term View More
Green Choice Auto Loan - - 7.04%
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.38%

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
Established 01/01/1906
FDIC Insurance Date 08/09/1989
Domestic Offices 8
Total Branches 8
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
2.38%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2441%
Return on Equity (ROE) 2.0400%
Non-Performing Loans (NPL) 0.26%
Total Assets $1,026,095,000
Total Deposits $732,850,000
Equity Capital $116,787,000
Net Income $2,523,000
Headquarters Olympia
Total Offices 8
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

Average Rating
★★★★★
Total Reviews
1
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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 8 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

  • 12-Month CD3.00%
  • 18-Month CD1.21%
  • 24-Month CD1.21%
  • 36-Month CD2.30%
  • 48-Month CD2.25%
  • 60-Month CD0.90%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.