Percival Landing with tugboat Sand Man, Olympia

Percival Landing with tugboat Sand Man, Olympia.

Current Rates - Effective as of June 14, 2018

Oly Fed Rates

Check your rates our deposit accounts. They're updated weekly. For more information, please visit a branch or give us a call to review. Printed rate sheets are available upon request.

Certificate of Deposit Rates

Account Type

 

Minimum Deposit

 

Annual Percentage Yield 

(APY)

Compounding Method

 

Interest Rate

 

120 Mo CD

$100

2.02

Monthly

2.00

72 Mo CD

$100

2.02

Monthly

2.00

60 Mo CD

$100

2.02

Monthly

2.00

48 Mo CD

$100

1.46

Monthly

1.45

48 Mo Add on CD

$100

1.46

Monthly

1.45

36 Mo CD

$100

0.90

Monthly

0.90

30 Mo CD

$100

0.75

Monthly

0.75

31 Mo CD Special†

$100

2.30

Monthly

2.28

24 Mo CD

$100

0.65

Monthly

0.65

24 Mo Add On CD

$100

0.65

Monthly

0.65

18 Mo CD

$100

0.45

Monthly

0.45

18 Mo Bump Rated CD

$100

0.35

Monthly

0.35

17 Mo CD Special

$100

1.71

Monthly

1.70

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

 

1.56
1.46

 

Monthly
Monthly

 

1.55
1.45

These accounts no longer offered

   

 

 

 60 Mo Bump CD

 

 2.02

 Monthly

2.00

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 with the exception of the 6-month and 91-day CDs with a required balance of $2,500. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply. Account fees would reduce earning. Terms and conditions apply. † Limited time offer.
Individual Retirement Account Rates - Traditional / Roth / SEP / Coverdell Education

Account Type

 

Minimum Deposit

 

Annual Percentage Yield
(APY)

Compounding Method

 

Interest Rate

 

120 Mo $50 2.15 Daily 2.10
72 Mo $50 2.15 Daily 2.10
60 Mo $50 2.15 Daily 2.10
48 Mo $50 1.58 Daily 1.55
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. 

 

Consumer Rates

Consumer Money Market Account*

Minimum Deposit

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1 - Min. balance to earn APY:
$50 - $2,499.99

$2,500

0.10

Daily

0.10

Tier 2 - Min. balance to earn APY: 
$2,500 - $9,999.99

$2,500

0.10

Daily

0.10

Tier 3 - Min. balance to earn APY: 
$10,000 - $49,999.99

$2,500

0.15

Daily

0.15

Tier 4 - Min. balance to earn APY: 
$50,000 - $99,999.99

$2,500

0.20

Daily

0.20

Tier 5 - Min. balance to earn APY: 
$100,000 +

$2,500

0.20

Daily

0.20

Consumer Account Type

Minimum Deposit

Annual Percentage Yield (APY)

Compounding Method  

Interest Rate 

Statement Savings

Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Passbook Savings
Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Super Savings Passbook
(Under Age 18) 

Min. balance to earn APY: $50

$1

0.25

Daily

0.25

Jump Start Checking (H.S. to 19)

No minimum balance to earn APY

$50

0.25

Daily

0.25

Choice Checking

Min. balance to earn APY: $100

$100

0.10

Daily

0.10

Health Savings Account (HSA)

No minimum balance to earn APY

$1

0.10

Daily

0.10

Business Rates

Business
Money Market Account*

Minimum Deposit

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1 - Min. balance to earn APY:
$50 - $2,499.99

$2,500

0.10

Daily

0.10

Tier 2 - Min. balance to earn APY: 
$2,500 - $9,999.99

$2,500

0.10

Daily

0.10

Tier 3 - Min. balance to earn APY: 
$10,000 - $49,999.99

$2,500

0.15

Daily

0.15

Tier 4 - Min. balance to earn APY: 
$50,000 - $99,999.99

$2,500

0.20

Daily

0.20

Tier 5 - Min. balance to earn APY: 
$100,000 +

$2,500

0.20

Daily

0.20

Premium Business
Money Market Account*

Minimum Deposit

Annual Percentage Yield (APY)

Compounding Method 

Interest Rate

Tier 1 - Min. balance to earn APY:
$50 - $9,999.99

$50,000

0.10

Daily

0.10

Tier 2 - Min. balance to earn APY: 
$10,000 - $49,999.99

$50,000

0.15

Daily

0.15

Tier 3 - Min. balance to earn APY: 
$50,000 - $99,999.99

$50,000

0.75

Daily

0.75

Tier 4 - Min. balance to earn APY: 
$100,000 - $299,999.99

$50,000

0.90

Daily

0.90

Tier 5 - Min. balance to earn APY: 
$300,000 +

$50,000

1.10

Daily

1.10

Business Account Type

Minimum Deposit

Annual Percentage Yield (APY)

Compounding Method  

Interest Rate 

Business Statement Savings

Min. balance to earn APY: $50

$100

0.15

Daily

0.15

Outreach Business Checking**

Min. balance to earn APY: $100

$100

0.10

Daily

0.10

Beyond Business Checking

Min. balance to earn APY: 
$0 - $2,499.99

$1,000

0.00

Daily

0.00

Min. balance to earn APY: 
$2,500 - $24,999.99

$1,000

0.10

Daily

0.10

Min. balance to earn APY: 
$25,000 - $74,999.99

$1,000

0.15

Daily

0.15

Min. balance to earn APY: 
$75,000 - $149,999.99

$1,000

0.17

Daily

0.17

Min. balance to earn APY: 
$150,000 +

$1,000

0.20

Daily

0.20

 *Variable rate account and may change after the account is opened. Fees may reduce earnings. **This account is for community organizations and non profits.
Home Loan Rates - Owner Occupied Purchases and Refinances

Type of Mortgage 

 

Interest Rate 

 

Annual Percentage Rate
(APR)

Loan Fee 

 

30 Year Fixed Rate

5.000%

5.145% 1%
20 Year Fixed Rate 4.875% 5.071% 1%
15 Year Fixed Rate 4.500% 4.744% 1%
1st Time Homebuyer (30yr) 4.875% 4.974% .50%
1st Time Homebuyer (20yr) 4.750% 4.884% .50%

 

Loan requests in excess of $450,000 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 $240,000.00 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 4.500% Annual Percentage Rate (APR) 4.744%, 180 monthly payments of $1,835.98 each, total interest paid $90,477.35
20 year mortgage:  Interest rate 4.875%, Annual Percentage Rate (APR) 5.071%, 240 monthly payments at $1,567.37 each, total interest paid $136,168.05
30 year mortgage: Interest rate 5.000%, Annual Percentage Rate (APR) 5.145%,  360 monthly payments of $1,288.37 each, total interest paid $223,814.85
1st Time Homebuyer (30): Interest rate 4.875%, Annual Percentage Rate (APR) 4.974%, 360 monthly payments of $1,270.10 each, total interest paid $217,235.72
1st Time Homebuyer (20): Interest rate 4.750%, Annual Percentage Rate (APR) 4.884%, 240 monthly payments of $1,550.94 each, total interest paid $132,224.25
HELP* - Owner Occupied Purchases and Refinances
Interest RateAnnual Percentage Rate (APR)Amortized TermLoan Fee
3.750% Fixed 3.900% 10 Years - 0 -
4.625% Fixed 4.737% 15 Years - 0 -
5.000% Fixed 5.076% 25 Years  - 0 - 
3.750% ARM 3.817% 25 Years  - 0 - 
Oly Fed Equity Line** - (Home Equity Line of Credit)
LTV - Up to and includingInterest RateAnnual Percentage Rate (APR)Loan Fee
80% 4.875% Variable 4.875% - 0 -
80.01 – 90.0% 6.125% Variable 6.125%  - 0 - 
*The HELP ARM Index is based on the Federal Home Loan Bank (FHLB) 11th District Cost of Funds (COF). Rates may go up for closed-end variable rate home equity loans.

**$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 .125, 1.375 or 2.625. The current Wall Street Journal Prime Rate is 4.75%, however we have an Annual Percentage Rate minimum (floor) of 4.00%.
Auto Loan Rates

Loan Type

 

Annual Percentage Rate
(APR)

Terms

 

Comments

 

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 Percentage 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 Type

 

Annual Percentage Rate
(APR)

Terms

 

Comments

 

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 Type

 

Annual Percentage Rate
(APR)

Terms

 

Comments

 

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 rate 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
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
PopMoneyFee

3 Day Delivery

$.00 - $249.99

$250+

 

$.00

$1

Next Day Delivery

$.00 - $249.99
$250+


$.00
$2

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.