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 Rates & Review July 2026

Item: OlyFed Olympia Federal S&L
Rating: 2443
Author: kjdd

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 25, 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 2.38%. Rates were last updated on 07/25/2026.

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

OlyFed Olympia Federal S&L Savings Rates

Product	Rate	APY
Business 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 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). 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 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Companion Savings	2.50%	2.57%
Min Deposit $100 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). All balances receive the stated APY. Fees may reduce earnings and rate may change after account opening. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Business Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50 Last Updated 07/25/2026 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 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 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Money Market Rates

Product	Rate	APY
Premium Personal Money Market Account (MMA) - Tier 8	2.75%	2.83%
Min Deposit $50,000 Min Balance $1,000,000 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 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 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 Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

OlyFed Olympia Federal S&L Checking Rates

Product	Rate	APY
lyfe Checking	4.00%	4.13%
Min Deposit $50 Details Qualifications Required: Premium rate requires monthly deposit or transfer of $10 or more and signing up to receive eStatements; Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
lyfe Checking	0.15%	0.19%
Min Deposit $50 Min Balance $1,000 Details Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
lyfe Checking	0.15%	0.15%
Min Deposit $50 Details Variable interest rate account. Rates are effective as of January 16, 2026 and are subject to change at any time and without notice. Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19. One account per Social Security Number. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply. Last Updated 07/25/2026 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
Home Equity Green Choice Retrofit: 6.750% (80% Max LTV)	-	-	6.75%
No additional details. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Home Equity 7.250% Fixed (80% Max LTV)	-	-	7.25%
No additional details. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Home Equity 7.500% Fixed (80% Max LTV)	-	-	7.50%
No additional details. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%
Home Equity 7.750% Fixed (80% Max LTV)	-	-	7.75%
No additional details. Last Updated 07/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.38%

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

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 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 Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

kjdd

★★★★★

December 17, 2025

DLmz

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Average Rating

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Total Reviews

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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.