Percival Landing with tugboat Sand Man, Olympia

Percival Landing with tugboat Sand Man, Olympia.

Current Rates - Effective as of August 22, 2019

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

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CDs and IRAs

Personal Accounts

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Business Accounts

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Business-Checking_Savings-Rates-07.11.2019

Home Loan Rates - Owner Occupied Purchases and Refinances

Type of Mortgage 

 

Interest Rate 

 

Annual Percentage Rate
(APR)

Loan Fee 

 

30 Year Fixed Rate

4.125%

4.260% 1%
20 Year Fixed Rate 4.000% 4.185% 1%
15 Year Fixed Rate 3.625% 3.858% 1%
1st Time Homebuyer (30yr) 4.000% 4.091% .50%
1st Time Homebuyer (20yr) 3.875% 4.000% .50%
Affordable Home Loan Program (30yr) 3.625% 3.699% $800

Jumbo Home Loans (30 Year Fixed)

 

Interest Rate 

 

Annual Percentage Rate
(APR)

Loan Fee 

 

$500,000.01-$800,000.00

70% max LTV

10% of loan amount in reserves after

transaction is complete

4.125%

4.247% 1%

$500,000.01-$650,000.00

90% max LTV

4 months reserves required

4.375% 4.500% 1%

$650,000.01-$800,000.00

75% max LTV

4 months reserves required

4.625% 4.748% 1%

 

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% down payment.
Jumbo Loans are not available on Green Choice Lending programs. On loan amounts of $800,001 and above, contact a loan officer for rates and terms.
MORTGAGE PAYMENT CALCULATIONS   
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 3.625%,  Annual Percentage Rate (APR) 3.858, 180 monthly payments of $1,730.49 each, total interest paid $71,487.76
20-year mortgage: Interest rate 4.000%, Annual Percentage Rate (APR) 4.185, 240 monthly payments at $1,454.35 each, total interest paid $109,045.02
30-year mortgage: Interest rate 4.125%, Annual Percentage Rate (APR) 4.260, 360 monthly payments of $1,163.16 each, total interest paid $178,737.20
1st Time Homebuyer (30): Interest rate 4.000%, Annual Percentage Rate (APR) 4.091, 360 monthly payments of $1,145.80 each, total interest paid $172,485.63
1st  Time Homebuyer (20): Interest rate 3.875%, Annual Percentage Rate (APR) 4.000, 240 monthly payments of $1,438.59 each, total interest paid $105,262.94

Affordable Home Loan Program (30): Interest rate 3.625%, Annual Percentage Rate (APR) 3.699, 360 monthly payments of $1,094.52 each, total interest paid $154,029.26
JUMBO LOAN PAYMENT CALCULATIONS
Calculation examples based on loan amounts and required minimum down payments shown below. Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment. 
$525,000 loan amount (70% max LTV, 10% liquid reserves):
Interest rate 4.125%, Annual Percentage Rate (APR) 4.247, 360 monthly payments of $2,544.41 each, total interest paid $390,988.38

$525,000 loan amount (90% max LTV, 4 months reserves):
Interest rate 4.375%, Annual Percentage Rate (APR) 4.500, 360 monthly payments of $2,621.25 each, total interest paid $418,648.05

$675,000 loan amount (75% max LTV, 4 months reserves):
Interest rate 4.625%, Annual Percentage Rate (APR) 4.748, 360 monthly payments of $3,470.44 each, total interest paid $574,359.76
HELP* - Owner Occupied Purchases and Refinances
Interest RateAnnual Percentage Rate (APR)Amortized TermLoan Fee
5.250% Fixed 5.452% 10 Years - 0 -
6.000% Fixed 6.200% 15 Years - 0 -
7.000% Fixed 7.111% 25 Years  - 0 - 
5.250% ARM 5.344% 25 Years  - 0 - 
Oly Fed Equity Line** - (Home Equity Line of Credit)
LTV - Up to and includingInterest RateAnnual Percentage Rate (APR)Loan Fee
80% 5.375% Variable 5.375% - 0 -
80.01 – 90.0% 6.625% Variable 6.625%  - 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 or 1.375. The current Wall Street Journal Prime Rate is 5.250%, 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 4.471% -
7.472% 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 4.021% - 5.722% 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 7.022% -
10.023% 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 9.022% -
10.023% 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 8.000% -
11.000% variable 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

OlyFed Account Fees

ItemFee
Check printing (fee depends on the style of check ordered) Fee Varies
Returned deposit item fee
(Deposited checks that are returned unpaid)
$10
OD/NSF charge† $25 per item paid
Return charge† $25 per item returned

Maximum for OD/NSF and return charges†

$125 per day
Overdraft protection transfer fee‡ $5 per transfer
Account research $25 per hour
Stop payment charge $15
Unauthorized ACH entry fee $4.50 each
Account closed within 90 days of opening $15
Wire transfer fee (domestic) $15
Wire transfer fee (international) $30
Check collection $10
Check collection (foreign)* $30 min.
Copy of cancelled check $2
Matured or called bond $50 each
First coupon envelope $15
Additional coupon envelopes $5 each
Returned item (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 OlyFed savings or checking account.
*Cost may vary from collecting bank
†If a transaction overdraws your account, for example: a check, in-person withdrawal, internal transfer, recurring debit card transaction, or Automated Clearinghouse (ACH) transaction, we may impose a return charge if we do not pay the item, or an overdraft/non-sufficient funds (OD/NSF) charge if we do pay the item. Return charges and overdraft/non-sufficient funds charges will not be imposed on ATM withdrawals, one-time debit card transactions, or bank fees. 
‡The overdraft protection transfer fee applies only when your account has become overdrawn for any reason and you have opted in to our overdraft protection service. 
We may require no 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.