OlyFed Olympia Federal S&L Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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 Affordable Home Loan Program (30-Year Fixed) rates are at 4.75%, 30-Year Fixed (Affordable Construction Program) rates are at 4.75%, 1st Time Homebuyer (20-Year Fixed) rates are at 5.25%, 15-Year Fixed rates are at 5.25%, 10-Year Fixed rates are at 5.25%. 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 02/26/2026.
Rate Updates and AvailabilityOlyFed 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 Texas RatioOlyFed Olympia Federal S&L's Texas Ratio is at 2.38%, which is considered excellent. The Texas Ratio for OlyFed Olympia Federal S&L is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
OlyFed Olympia Federal S&L has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, OlyFed Olympia Federal S&L is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
OlyFed Olympia Federal S&L has earned an overall safety grade of A+. 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. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 02/26/2026 
OlyFed Olympia Federal S&L Savings Rates
OlyFed Olympia Federal S&L Money Market Rates
OlyFed Olympia Federal S&L Checking Rates
OlyFed Olympia Federal S&L Mortgage Rates
OlyFed Olympia Federal S&L Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates 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 & OverviewOlyFed Olympia Federal S&L
421 Capitol Way SOlympia, WA 98501 Thurston Established Date: 01/01/1906 FDIC Certificate #: 28599 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 8 How Many Branches are There? 8 Website: https://www.olyfed.com
Is OlyFed Olympia Federal S&L FDIC Insured? Yes
What is OlyFed Olympia Federal S&L's Cert number? 28599
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
2.38%
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
Regulator:
FDIC
# of Offices:
8
Source: FDIC | Last Updated 12/31/2025
Customer Reviewskjdd
December 17, 2025
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Frequently Asked Questions About OlyFed Olympia Federal S&LHow do I open an account at OlyFed Olympia Federal S&L?You can typically open an account at OlyFed Olympia Federal S&L by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, OlyFed Olympia Federal S&L provides a range of mortgage and home equity products. Is OlyFed Olympia Federal S&L a safe place to deposit money?Yes, OlyFed Olympia Federal S&L is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does OlyFed Olympia Federal S&L offer online and mobile banking?Most modern institutions like OlyFed Olympia Federal S&L provide digital access including online balance checks and transfers. Compare to other Banks |
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