Percival Landing with tugboat Sand Man, Olympia

Percival Landing with tugboat Sand Man, Olympia.

Current Rates - Effective as of December 1, 2016

Certificate of Deposit Rates
Account TypeMinimum DepositAnnual Percentage YieldCompounding MethodInterest Rate

120 Mo CD

$100

1.46

Monthly

1.45

72 Mo CD

$100

1.46

Monthly

1.45

60 Mo CD

$100

1.51

Monthly

1.50

48 Mo CD

$100

1.26

Monthly

1.25

48 Mo Add on CD

$100

1.00

Monthly

1.00

36 Mo CD

$100

0.90

Monthly

0.90

30 Mo CD

$100

0.75

Monthly

0.75

24 Mo CD

$100

0.65

Monthly

0.65

24 Mo Add On CD

$100

0.65

Monthly

0.65

22 Mo CD Anniversary Special** 

 $100

1.10 

Monthly 

1.10 

18 Mo CD

$100

0.45

Monthly

0.45

18 Mo Bump Rated CD

$100

0.35

Monthly

0.35

15 Mo Add On CD

$100

0.30

Monthly

0.30

12 Mo CD

$100

0.40

Monthly

0.40

6 Mo CD

$2500

0.20

Quarterly

0.20

91 Day CD

$2500

0.10

At Maturity

0.10

CDs for Young Savers 

48 Mo Dream Builder*
48 Mo Dream Saver*
*Designed for savers under 18 

 

$50
$50

 

1.31
1.21

 

Monthly
Monthly

 

1.30
1.20

These accounts no longer offered

   

 

 

 60 Mo Bump CD

 

 1.51

 Monthly

1.50

All Certificates have fixed rate for term. Substantial penalty for early withdrawal. CD rates are subject to change without notice.**Subject to change without notice. Minimum balance required to obtain the stated APY is $100. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply. Account fess would reduce earnings. Maximum balance of $110,000.00 per account. Terms and conditions apply.
Individual Retirement Account Rates - Traditional / Roth / SEP / Coverdell Education
Account TypeMinimum DepositAnnual Pct YieldCompounding MethodInterest Rate
120 Mo $50 1.58 Daily 1.55
72 Mo $50 1.58 Daily 1.55
60 Mo $50 1.64 Daily 1.60
48 Mo $50 1.38 Daily 1.35
36 Mo $50 1.02 Daily 1.00
24 Mo $50 0.76 Daily 0.75
18 Mo (add) $50 0.56 Daily 0.55
12 Mo (add) $50 0.51 Daily 0.50
All IRAs have fixed rate for term. Substantial penalty for early withdrawal. 

 

Checking & Savings Rates

Money Market Account*

Minimum DepositAnnual Pct YieldCompounding MethodInterest Rate

Min. Bal. to earn $50 - $2,499.99

$2,500

0.10

Daily

0.10

Min. Bal. to earn $2,500 - $9,999.99

$2,500

0.10

Daily

0.10

Min. Bal. to earn $10,000 - $49,999.99

$2,500

0.15

Daily

0.15

Min. Bal. to earn $50,000 - $99,999.99

$2,500

0.20

Daily

0.20

Min. Bal. to earn $100,000 +

$2,500

0.20

Daily

0.20

         

Account Type

Minimum Deposit

Annual Pct Yield 

Compounding Method 

Interest Rate

Savings

$100

0.15

Daily

0.15

Super Savings Passbook (Under Age 18) 

$1

0.25

Daily

0.25

Jump Start Checking (H.S. to 19)

$50

0.25

Daily

0.25

Choice Checking

$100

0.10

Daily

0.10

Outreach Business

$100

0.10

Daily

0.10

 Beyond Business

     Min. Bal. to earn $0 - $2,499.99

$1,000

0.00

Daily

0.00

     Min. Bal. to earn $2,500 - $24,999.99

$1,000

0.10

Daily

0.10

     Min. Bal. to earn $25,000 - $74,999.99

$1,000

0.15

Daily

0.15

     Min. Bal. to earn $75,000 - $149,999.99

$1,000

0.17

Daily

0.17

     Min. Bal. to earn $150,000 +

$1,000

0.20

Daily

0.20

 *Variable rate account.  Fees may reduce earnings.
Home Loan Rates - Owner Occupied Purchases and Refinances
Type of Mortgage Interest Rate Annual % Rate (APR) Loan Fee 
30 Year Fixed Rate 4.125% 4.216% 1%
20 Year Fixed Rate 3.875% 4.000% 1%
15 Year Fixed Rate 3.500% 3.658% 1%
1st Time Homebuyer (30yr) 4.000% 4.049% .50%
1st Time Homebuyer (20yr) 3.750% 3.817% .50%

 

Loan requests in excess of $417,000 please call us for rates.
Rates are automatically locked in at time of application. Plus, if our rates go down before closing, you get the lowest rate! Ask about our insured programs with only a 3% downpayment.
Calculations based on $100,000.00 conventional loan with 20% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.
15 year mortgage: Interest rate 3.500% Annual Percentage Rate (APR) 3.658%,  180 monthly payments of $714.88 each, total interest paid $28,678.86.
20 year mortgage:  Interest rate 3.875%, Annual Percentage Rate (APR) 4.000%, 240 monthly payments at $599.41 each, total interest paid $45,105.37
30 year mortgage: Interest rate 4.125%, Annual Percentage Rate (APR) 4.216%,  360 monthly payments of $484.65 each, total interest paid $75,729.83.
1st Time Homebuyer (30): Interest rate 4.000%, Annual Percentage Rate (APR) 4.049%, 360 monthly payments of $477.42 each, total interest paid $72,618.67
1st Time Homebuyer (20): Interest rate 3.750%, Annual Percentage Rate (APR) 3.817%, 360 monthly payments of $592.89 each, total interest paid $43,033.26
HELP - Owner Occupied Purchases and Refinances
Interest RateAnnual % Rate (APR)Amortized TermLoan Fee
3.625% Fixed 3.643% 10 Years - 0 -
4.500% Fixed 4.513% 15 Years - 0 -
4.875% Fixed 4.883% 25 Years  - 0 - 
3.625% ARM 3.633% 25 Years  - 0 - 
Oly Fed Equity Line* - (Home Equity Line of Credit)
LTV - Up to and includingInterest RateAnnual % Rate (APR)Loan Fee
80% 4.000% Variable 4.000% - 0 -
80.01 – 90.0% 4.750% Variable 4.750%  - 0 - 
90.01% and above 6.000% Variable 6.000%  - 0 - 
*$50 annual fee after the 1st year. The value of the index is based on the Wall Street Journal Prime Rate. The rate is computed by adding the Wall Street Journal Prime Rate + our margins of .00, 1.25 or 2.50. The current Wall Street Journal Prime Rate is 3.50%, however we have an Annual Percentage Rate minimum (floor) of 4.00%.
Auto Loan Rates
Loan TypeAnnual % Rate (APR)TermsComments
New, Used or
Classic Vehicle
Rates range from 3.992% -
6.994% fixed APR*
Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history.
Green Choice Auto 3.515% - 5.249% fixed APR*    
*Annual Percentage Rates are based on your credit score and are subject to change without notice.

APPLY NOW! - Click here to start your consumer/car loan application

Boat Loan Rates
Loan TypeAnnual % Rate (APR)TermsComments
New, or
Used Boat
Rates range from 6.515% -
7.516% fixed APR*
Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by boat age and individual credit history.
* Annual Percentage Rates are based on your credit score and are subject to change without notice.

APPLY NOW! - Click here to start your boat loan application

RV Loan Rates
Loan TypeAnnual % Rate (APR)TermsComments
New, or
Used RV
Rates range from 8.545% -
9.546% fixed APR*
Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by RV age and individual credit history.
* Annual Percentage Rates are based on your credit score and are subject to change without notice.

APPLY NOW! - Click here to start your RV loan application

Personal Line of Credit Rates
Loan TypeAnnual % Rate (APR)TermsComments
Personal Line
of Credit
Rates range from 6.5% -
9.5% fixed APR*
5 year draw period followed by either a 5-7 year repayment period. Your individual financing and the interest rte to which you qualify will be determined by income and individual credit history.
* Annual Percentage Rates are based on your credit score and are subject to change without notice.

APPLY NOW! - Click here to start your Personal Line of Credit application

Oly Fed Account Fees

ItemFee
Replace ATM card $3
Replace Debit card $5
American Express Travelers Cheques
(1 signature)
No fee
American Express Travelers Cheques
(2 signatures)
$.50 per $100
Money orders $2
Association checks $3
Check printing Fee Varies
Deposited checks (& other items)
returned unpaid
$10
Nonsufficient funds (Overdraft / NSF) item (each)† $25
Maximum $125 per day
Account activity printout/copies of statements $2
Account research $25 per hour
Stop payment (all items) $15.00
Account closed within 90 days of opening $15
Photocopies $.25 each
Fax Max per page $1.50
Wire Transfers $15
International wire transfers Varies w/$30 min.
Check collection $10
Check collection – Foreign $30 minimum*
Copy of cancelled check $2
Overdraft protection† $5 per transfer
Matured or called bond $50 each
ACH unauthorized entry $4.50 each
First coupon envelope $15
Additional envelopes $5 each
Returned item fee (bond) $20 each
Pop MoneyFee
Under $250 Free
Over $250 (3 Day) $1
Over $250 (Next Day) $2.50
Transfer NowFee
Inbound Free
Outbound (3 Day) $1.50
Outbound (Next Day) $2.50
Safe Deposit Boxes**Fee
2x5 $19 per year
3x5 $25 per year
5x5 $30 per year
3x10 $40 per year
5x10 $55 per year
10x10 $105 per year
11x16 $185 per year
Replacement Key $10
Drilling Varies
**On availability basis. Not FDIC Insured Safe deposit box rent will be discounted by $5.00 when you sign up for an automatic payment from an Oly Fed savings or checking account.
*Cost may vary from collecting bank
†The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.