Certificates of Deposit (CD)

All certificates have fixed rate for term, with exception to the 60 Month Bump Rate CD and the 18 Month Bump Rate CD. The APY is accurate as of the date above and is subject to change. Annual Percentage Yield (APY) assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. *Variable rate for term. The interest rate on your Bump Rate CD account may change once during the term. ††Add-on and bump rate CDs are only available for consumer customers and not businesses/organizations. Terms and conditions apply.

**OUTREACH CD DISCLOSURE: The Outreach Certificate of Deposit (CD) has a fixed rate for an 8-month term and is only available to community organizations and nonprofits. The Annual Percentage Yield (APY) is accurate as of April 1, 2025, and is subject to change without notice. The APY assumes interest earned remains on deposit until maturity. The minimum balance to open an account is $2,500 and the minimum balance to obtain stated APY is $2,500. An open and active Outreach Checking account is required to open an Outreach CD. You may withdraw all funds including interest earned, without penalty, any time on or after the seventh day following the date on which the account was funded. Withdrawals during the first six days after the account is opened are subject to a seven day interest penalty. No partial withdrawals are allowed. Terms and conditions apply. See Truth in Savings and Terms & Conditions brochures for details. Member FDIC.

***COMPANION SAVINGS DISCLOSURES: Variable rate account. Interest rate of 2.50% and 2.57% Annual Percentage Yield (APY) is effective as of January 3, 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). Minimum opening deposit of $100. 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.

7-MONTH CD SPECIAL DISCLOSURE: Certificate has a fixed rate for term. It is a 7-Month CD with an interest rate of 3.93%/4.00% Annual Percentage Yield (APY) for Olympia Federal Savings (OlyFed) customers with a maturing CD that renews during the period in which this special offer is made available. The minimum balance to open an account is $100 and the minimum balance to obtain stated APY is $100. Accounts with deposits of $10,000+ in new money will receive an interest rate of 4.15%/4.237% APY. New money is defined as funds not currently held on deposit with Olympia Federal Savings (OlyFed). The APY is accurate as of April 22, 2025, and is a limited-time offer that is subject to change without notice. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. Terms and conditions apply. See Truth in Savings and Terms & Conditions brochures for details. Member FDIC.