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

Current rates for OlyFed Olympia Federal S&L include: 48-Month CD: 2.25%, Savings: 0.05%, MMA: 0.05%, 30-Year Fixed: 4.81%

OlyFed Olympia Federal S&L Rates and Review February 2026

Content reviewed by

Brian McKay

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OlyFed Olympia Federal S&L Deposit Rates

OlyFed Olympia Federal S&L's 48-Month 48 Mo. Dream Builder CD rates are at 2.35%, 48-Month 48 Mo. Dream Saver CD rates are at 2.25%. 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 30-Year Fixed Mortgage rates are at 4.75%, 30-Year Fixed Mortgage rates are at 4.75%, 15-Year Fixed rates are at 5.25%, 15-Year Fixed 80% Max LTV (Owner Occupied) rates are at 5.25%, 30-Year Fixed Mortgage rates are at 5.88%.

OlyFed Olympia Federal S&L

Rate Updates and Availability

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 Texas Ratio

OlyFed 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

Excellent

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 excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

2.25%

2.10%

60-Month CD

N/A

2.23%

Savings

0.05%

0.60%

MMA

0.05%

0.75%

30-Year Fixed

4.81%

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

OlyFed Olympia Federal S&L

421 Capitol Way S
Olympia, WA 98501

https://www.olyfed.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

Banks:
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Review OlyFed Olympia Federal S&L

OlyFed Olympia Federal S&L CD Rates

Product	Rate	APY	Term
48 month 48 Mo. Dream Builder CD	2.32%	2.35%	48 Months
Min Deposit$50 Min Balance$50 DetailsYouth Accounts. Dream Builder requires a monthly automatic transfer from an OlyFed account. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. Terms and conditions apply. Last Updated 02/14/2026
48 month 48 Mo. Dream Saver CD	2.23%	2.25%	48 Months
Min Deposit$50 Min Balance$50 DetailsYouth Accounts. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. Terms and conditions apply. Last Updated 02/14/2026

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 02/14/2026

OlyFed Olympia Federal S&L Money Market Rates

Product	Rate	APY
Business Premium Money Market Account Tier 7	3.00%	3.09%
Min Deposit$50,000 Min Balance$1,000,000 DetailsMinimum to Earn APY $1,000,000+ Last Updated 02/14/2026
Premium Personal Money Market Account Tier 8	2.75%	2.83%
Min Deposit$50,000 Min Balance$1,000,000 Last Updated 02/14/2026
Business Premium Money Market Account Tier 6	2.10%	2.15%
Min Deposit$50,000 Min Balance$500,000 DetailsMinimum to Earn APY $500,000-$999,999.99 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 7	2.10%	2.15%
Min Deposit$50,000 Min Balance$500,000 Last Updated 02/14/2026
Business Premium Money Market Account Tier 5	1.60%	1.64%
Min Deposit$50,000 Min Balance$300,000 DetailsMinimum to Earn APY $300,000-$499,999.99 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 6	1.35%	1.38%
Min Deposit$50,000 Min Balance$250,000 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 5	1.10%	1.12%
Min Deposit$50,000 Min Balance$200,000 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 4	0.85%	0.87%
Min Deposit$50,000 Min Balance$150,000 Last Updated 02/14/2026
Business Money Market Account Tier 5	0.50%	0.51%
Min Deposit$2,500 Min Balance$100,000 DetailsMinimum to Earn APY $100,000 + Last Updated 02/14/2026
Business Premium Money Market Account Tier 4	0.50%	0.51%
Min Deposit$50,000 Min Balance$100,000 DetailsMinimum to Earn APY $100,000 - $299,999.99 Last Updated 02/14/2026
Personal Money Market Account Tier 5	0.50%	0.51%
Min Deposit$2,500 Min Balance$100,000 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 3	0.50%	0.51%
Min Deposit$50,000 Min Balance$100,000 Last Updated 02/14/2026
Business Money Market Account Tier 3	0.20%	0.20%
Min Deposit$2,500 Min Balance$10,000 DetailsMinimum to Earn APY $10,000 - $49,999.99 Last Updated 02/14/2026
Business Money Market Account Tier 4	0.20%	0.20%
Min Deposit$2,500 Min Balance$50,000 DetailsMinimum to Earn APY $50,000 - $99,999.99 Last Updated 02/14/2026
Personal Money Market Account Tier 3	0.20%	0.20%
Min Deposit$2,500 Min Balance$10,000 Last Updated 02/14/2026
Personal Money Market Account Tier 4	0.20%	0.20%
Min Deposit$2,500 Min Balance$50,000 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 2	0.20%	0.20%
Min Deposit$50,000 Min Balance$50,000 Last Updated 02/14/2026
Business Premium Money Market Account Tier 3	0.15%	0.15%
Min Deposit$50,000 Min Balance$50,000 DetailsMinimum to Earn APY $50,000 - $99,999.99 Last Updated 02/14/2026
Business Money Market Account Tier 2	0.10%	0.10%
Min Deposit$2,500 Min Balance$2,500 DetailsMinimum to Earn APY $2,500 - $9,999.99 Last Updated 02/14/2026
Business Premium Money Market Account Tier 1	0.10%	0.10%
Min Deposit$50,000 Min Balance$50 DetailsMinimum to Earn APY $50 - $9,999.99 Last Updated 02/14/2026
Business Premium Money Market Account Tier 2	0.10%	0.10%
Min Deposit$50,000 Min Balance$10,000 DetailsMinimum to Earn APY $10,000 - $49,999.99 Last Updated 02/14/2026
Personal Money Market Account Tier 2	0.10%	0.10%
Min Deposit$2,500 Min Balance$2,500 Last Updated 02/14/2026
Business Money Market Account Tier 1	0.05%	0.05%
Min Deposit$2,500 Min Balance$50 DetailsMinimum to Earn APY $50 - $2,499.99 Last Updated 02/14/2026
Personal Money Market Account Tier 1	0.05%	0.05%
Min Deposit$2,500 Min Balance$50 Last Updated 02/14/2026
Premium Personal Money Market Account Tier 1	0.05%	0.05%
Min Deposit$50,000 Min Balance$50 Last Updated 02/14/2026

OlyFed Olympia Federal S&L Checking Rates

Product	Rate	APY
Beyond Business Checking Tier 5	0.50%	0.51%
Min Deposit$1,000 Min Balance$150,000 DetailsMinimum to Earn APY $150,000 + Last Updated 02/14/2026
Beyond Business Checking Tier 4	0.12%	0.12%
Min Deposit$1,000 Min Balance$75,000 DetailsMinimum to Earn APY $75,000 - $149,999.99 Last Updated 02/14/2026
Beyond Business Checking Tier 3	0.10%	0.10%
Min Deposit$1,000 Min Balance$25,000 DetailsMinimum to Earn APY $25,000 - $74,999.99 Last Updated 02/14/2026
Beyond Business Checking Tier 2	0.05%	0.05%
Min Deposit$1,000 Min Balance$2,500 DetailsMinimum to Earn APY $2,500 - $24,999.99 Last Updated 02/14/2026
Outreach Business Checking	0.05%	0.05%
Min Deposit$100 Min Balance$100 DetailsThis account is for community organizations and nonprofits. Last Updated 02/14/2026
Beyond Business Checking Tier 1	-	0.00%
Min Deposit$1,000 DetailsMinimum to Earn APY $0 - $2,499.99 Last Updated 02/14/2026

OlyFed Olympia Federal S&L Mortgage Rates

Product	Rate	Points	APR	Term
Affordable Home Loan Program (30-Year Fixed)	4.75%	-	4.81%	30-Year
No additional details. Last Updated 02/14/2026
30-Year Fixed (Affordable Construction Program)	4.75%	-	4.84%	30 Years
No additional details. Last Updated 02/14/2026
15-Year Fixed	5.25%	-	5.50%	15-Year
No additional details. Last Updated 02/14/2026
15-Year Fixed 80% Max LTV (Owner Occupied)	5.25%	-	5.51%	15 Years
No additional details. Last Updated 02/14/2026
1st Time Homebuyer (30-Year Fixed)	5.88%	-	5.98%	30-Year
No additional details. Last Updated 02/14/2026
30-Year Fixed 80% Max LTV (First-Time Homebuyer)	5.88%	-	5.99%	30 Years
No additional details. Last Updated 02/14/2026
30-Year Fixed	6.13%	-	6.28%	30-Year
No additional details. Last Updated 02/14/2026
30-Year Fixed 80% Max LTV (Owner Occupied)	6.13%	-	6.29%	30 Years
No additional details. Last Updated 02/14/2026
Non-Owner Occupied (15-Year Fixed)	6.13%	-	6.47%	15-Year
No additional details. Last Updated 02/14/2026
15-Year Fixed (Non-Owner Occupied)	6.13%	-	6.55%	15 Years
No additional details. Last Updated 02/14/2026
Non-Owner Occupied (30-Year Fixed)	6.63%	-	6.84%	30-Year
No additional details. Last Updated 02/14/2026
30-Year Fixed (Non-Owner Occupied)	6.63%	-	6.90%	30 Years
No additional details. Last Updated 02/14/2026

OlyFed Olympia Federal S&L Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) LTV - Up To & Including 80%	6.88%	-	6.88%
DetailsVariable Last Updated 02/14/2026
Home Equity Loan (HELP) Green Choice Retrofit: 6.750% (80% Max LTV)	6.75%	-	7.01%	10 Years
No additional details. Last Updated 02/14/2026
Home Equity Loan (HELP) 7.250% Fixed (80% Max LTV)	7.25%	-	7.52%	10 Years
No additional details. Last Updated 02/14/2026
Home Equity Loan (HELP) 7.500% Fixed (80% Max LTV)	7.50%	-	7.69%	15 Years
No additional details. Last Updated 02/14/2026
Home Equity Loan (HELP) 7.750% Fixed (80% Max LTV)	7.75%	-	7.89%	25 Years
No additional details. Last Updated 02/14/2026

OlyFed Olympia Federal S&L Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Green Choice Auto Loan	-	-	7.04%
Details7.036% - 8.842% fixed APR Last Updated 02/14/2026

OlyFed Olympia Federal S&L Personal Loan Rates

Product	Rate	Points	APR	Term	View More
Personal Line of Credit (PLOC)	-	-	15.00%	5 year draw period followed by a 5 year repayment period
DetailsRates range from 15.000% - 18.000% variable APR. Your individual financing and the interest rate to which you qualify will be determined by income and individual credit history Last Updated 02/14/2026

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.

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

OlyFed Olympia Federal S&L

421 Capitol Way S
Olympia, 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 & Assets

Total Assets:

$969,311,000

Total Deposits:

$669,664,000

Equity Capital:

$112,046,000

Net Income:

$364,000

Return on Assets (ROA):

0.2441%

Return on Equity (ROE):

2.0400%

Headquarters:

Olympia

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

kjdd

★★★★★

December 17, 2025

DLmz

Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About OlyFed Olympia Federal S&L

How 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.