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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 OlyFed Olympia Federal S&L Rates & Review October 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.
Read Full Bio →
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 21, 2026
OlyFed Olympia Federal S&L's savings rates are at 2.57%. OlyFed Olympia Federal S&L's money market rates are at 0.20%. OlyFed Olympia Federal S&L's checking rates are as high as 4.13%. 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 10/21/2026. 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. 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 Savings Rates
OlyFed Olympia Federal S&L Money Market Rates
OlyFed Olympia Federal S&L Business Money Market Rates
OlyFed Olympia Federal S&L Checking Rates
OlyFed Olympia Federal S&L Home Equity & HELOC
OlyFed Olympia Federal S&L Other Rates
Financial Health HistoryOlyFed 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
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MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & Overview
Bank Name
OlyFed Olympia Federal S&L
Website
https://www.olyfed.com
Address
421 Capitol Way S,
Olympia, WA 98501 · Thurston
FDIC Certificate #
28599
Regulator
FDIC
Established
January 1, 1906
FDIC Insurance Date
August 9, 1989
Domestic Offices
9
Total Branches
9
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.92%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.3611%
Return on Equity (ROE)
3.1300%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
There are no reviews for OlyFed Olympia Federal S&L yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for OlyFed Olympia Federal S&L
Frequently Asked Questions About OlyFed Olympia Federal S&LWhat is the highest savings rate at OlyFed Olympia Federal S&L?The highest savings rate MonitorBankRates has verified for OlyFed Olympia Federal S&L is 2.57% APY on its Companion Savings, as of October 21, 2026. What is the highest money market rate at OlyFed Olympia Federal S&L?The highest money market rate MonitorBankRates has verified for OlyFed Olympia Federal S&L is 0.20% APY on its Business Money Market Account (MMA), as of October 21, 2026. What is the highest checking rate at OlyFed Olympia Federal S&L?The highest checking rate MonitorBankRates has verified for OlyFed Olympia Federal S&L is 4.13% APY on its Journey Checking, as of October 21, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do OlyFed Olympia Federal S&L rates compare?OlyFed Olympia Federal S&L's top rates are 2.57% APY on savings, 0.20% APY on money market and 4.13% APY on checking, verified by MonitorBankRates on October 21, 2026. To compare OlyFed Olympia Federal S&L with the top rates nationwide, see our best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current OlyFed Olympia Federal S&L Rates
Retrieved from our database of financial products. Rates subject to change.
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