All branches will close at 1:00 p.m. on Christmas Eve, Tuesday, December 24. We will be closed on Christmas Day, Wednesday, December 25. We will reopen on Thursday, December 26.
In observance of New Year's Day, we will be closed on Wednesday, January 1. We will reopen on Thursday, January 2.
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Certificates of Deposit (CD)
Rates accurate as of December 6, 2024
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Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
120 Mo. CD Open/Close
Consumer Account Type 120 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.00% Compounding Method Monthly Interest Rate 1.00% Open Online
72 Mo. CD Open/Close
Consumer Account Type 72 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.00% Compounding Method Monthly Interest Rate 1.00% Open Online
60 Mo. CD Open/Close
Consumer Account Type 60 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.00% Compounding Method Monthly Interest Rate 1.00% Open Online
48 Mo. CD Open/Close
Consumer Account Type 48 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 2.02% Compounding Method Monthly Interest Rate 2.00% Open Online
36 Mo. CD Open/Close
Consumer Account Type 36 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 2.02% Compounding Method Monthly Interest Rate 2.00% Open Online
30 Mo. CD Open/Close
Consumer Account Type 30 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 2.02% Compounding Method Monthly Interest Rate 2.00% Open Online
24 Mo. CD Open/Close
Consumer Account Type 24 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 2.53% Compounding Method Monthly Interest Rate 2.50% Open Online
18 Mo. CD Open/Close
Consumer Account Type 18 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 2.79% Compounding Method Monthly Interest Rate 2.75% Open Online
12 Mo. CD Open/Close
Consumer Account Type 12 Mo. CD Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 3.30% Compounding Method Monthly Interest Rate 3.25% Open Online
8 Mo. CD Special* Open/Close
Consumer Account Type 8 Mo. CD Special* Minimum to Open $2,500 Minimum to Earn APY $2,500 Annual Percentage Yield (APY) 3.85% Compounding Method Monthly Interest Rate 3.78% Open Online
8 Mo. CD Special | $25k+ New Money or Checking Relationship* Open/Close
Consumer Account Type 8 Mo. CD Special | $25k+ New Money or Checking Relationship* Minimum to Open $2,500 Minimum to Earn APY $2,500 Annual Percentage Yield (APY) 4.25% Compounding Method Monthly Interest Rate 4.17% Learn More
8 Mo. Outreach CD | For Nonprofit & Community Organizations** Open/Close
Consumer Account Type 8 Mo. Outreach CD | For Nonprofit & Community Organizations** Minimum to Open $2,500 Minimum to Earn APY $2,500 Annual Percentage Yield (APY) 4.07% Compounding Method Monthly Interest Rate 4.00% Contact OlyFed
6 Mo. CD Open/Close
Consumer Account Type 6 Mo. CD Minimum to Open $2,500 Minimum to Earn APY $2,500 Annual Percentage Yield (APY) 2.53% Compounding Method Monthly Interest Rate 2.50% Open Online
91 Day CD Open/Close
Consumer Account Type 91 Day CD Minimum to Open $2,500 Minimum to Earn APY $2,500 Annual Percentage Yield (APY) 2.02% Compounding Method At Maturity Interest Rate 2.00% Open Online
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Add-On CD
48 Mo. Add-On CD†† Open/Close
Consumer Account Type 48 Mo. Add-On CD†† Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.21% Compounding Method Monthly Interest Rate 1.20% Open Online
24 Mo. Add-On CD†† Open/Close
Consumer Account Type 24 Mo. Add-On CD†† Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.21% Compounding Method Monthly Interest Rate 1.20% Open Online
15 Mo. Add-On CD†† Open/Close
Consumer Account Type 15 Mo. Add-On CD†† Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.31% Compounding Method Monthly Interest Rate 1.30% Open Online
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Add-On Bump CD††
18 Mo. Add-on Bump Rate CD* Open/Close
Consumer Account Type 18 Mo. Add-on Bump Rate CD* Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 1.21% Compounding Method Monthly Interest Rate 1.20% Open Online
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Bump CD††
60 Mo. Bump Rate CD* Open/Close
Consumer Account Type 60 Mo. Bump Rate CD* Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 0.90% Compounding Method Monthly Interest Rate 0.90% Open Online
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
COMPANION SAVINGS - Your CDs Best Friend!
Companion Savings*** Open/Close
Consumer Account Type Companion Savings*** Minimum to Open $100 Minimum to Earn APY $0 Annual Percentage Yield (APY) 2.83% Compounding Method Daily Interest Rate 2.75% Open Online

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 January 19, 2024, 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 withdrawal 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 2.75% and 2.83% Annual Percentage Yield (APY) is effective as of September 27, 2024, 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.

*8-MONTH CD SPECIAL DISCLOSURE: Certificate has a fixed rate for term. It is an 8-Month CD with an interest rate of 3.78%/3.85% Annual Percentage Yield (APY). The APY is accurate as of December 4, 2024, and is a limited time offer that is subject to change without notice. The minimum balance to open an account is $2,500 and minimum balance to obtain stated APY is $2,500. Accounts with deposits of $25,000+ in new money or an OlyFed checking account with a minimum of a $500 monthly direct deposit will receive an interest rate of 4.17%/4.25% APY. New money is defined as funds not currently held on deposit with Olympia Federal Savings (OlyFed). 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.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

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IRAs
Rates accurate as of December 6, 2024
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Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Individual Retirement Accounts (IRA) - Traditional, Roth, SEP, Coverdell
120 Mo. IRA Open/Close
Consumer Account Type 120 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 1.12% Compounding Method Daily Interest Rate 1.10% Open Online
72 Mo. IRA Open/Close
Consumer Account Type 72 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 1.12% Compounding Method Daily Interest Rate 1.10% Open Online
60 Mo. IRA Open/Close
Consumer Account Type 60 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 1.12% Compounding Method Daily Interest Rate 1.10% Open Online
48 Mo. IRA Open/Close
Consumer Account Type 48 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.15% Compounding Method Daily Interest Rate 2.10% Open Online
36 Mo. IRA Open/Close
Consumer Account Type 36 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.15% Compounding Method Daily Interest Rate 2.10% Open Online
24 Mo. IRA Open/Close
Consumer Account Type 24 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.67% Compounding Method Daily Interest Rate 2.60% Open Online
18 Mo. IRA Open/Close
Consumer Account Type 18 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.93% Compounding Method Daily Interest Rate 2.85% Open Online
12 Mo. IRA Open/Close
Consumer Account Type 12 Mo. IRA Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 3.45% Compounding Method Daily Interest Rate 3.35% Open Online

All IRAs have fixed rate for term. Early withdrawal penalty may apply. The APY is accurate as of the date above and is subject to change. The APY assumes interest earned remains on deposit until maturity.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

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Personal Checking & Savings
Rates accurate as of December 6, 2024
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Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Checking Accounts
Journey* Open/Close
Consumer Account Type Journey* Minimum to Open $100 Minimum to Earn APY Requirements Below Annual Percentage Yield (APY) 5.20% Compounding Method Daily Interest Rate 5.00% Open Online

JOURNEY CHECKING DISCLOSURE
Variable interest rate account. Rates subject to change anytime and without notice.

• An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 5.20% to 0.56%, depending on the balance in the account.

• If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 5.00% with an annual percentage yield of 5.20%*.

• If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account.

*Premium rate requires monthly direct deposit of $500 or more, debit card activation and 10 debit transactions posted per statement cycle, enrollment in retail online banking and signing up to receive eStatements, and maintaining active online banking access as outlined in the Online Banking Terms & Conditions Agreement. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings and rate may change after account opening.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Savings Accounts
Statement Savings* Open/Close
Consumer Account Type Statement Savings* Minimum to Open $100 Minimum to Earn APY $50 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Open Online

*$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.

Companion Savings Open/Close
Consumer Account Type Companion Savings Minimum to Open $100 Minimum to Earn APY $0 Annual Percentage Yield (APY) 2.83% Compounding Method Daily Interest Rate 2.75% Open Online

Variable rate account. Interest rate of 2.75% and 2.83% Annual Percentage Yield (APY) is effective as of September 27, 2024, 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.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Health Savings Account (HSA)
HSA Open/Close
Consumer Account Type HSA Minimum to Open $1 Minimum to Earn APY $0 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Open Online

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.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Personal Money Market Account (MMA)
Tier 1 Open/Close
Consumer Account Type Tier 1 Minimum to Open $2,500 Minimum to Earn APY $50 - $2,499.99 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Open Online
Tier 2 Open/Close
Consumer Account Type Tier 2 Minimum to Open $2,500 Minimum to Earn APY $2,500 - $9,999.99 Annual Percentage Yield (APY) 0.10% Compounding Method Daily Interest Rate 0.10%
Tier 3 Open/Close
Consumer Account Type Tier 3 Minimum to Open $2,500 Minimum to Earn APY $10,000 - $49,999.99 Annual Percentage Yield (APY) 0.20% Compounding Method Daily Interest Rate 0.20%
Tier 4 Open/Close
Consumer Account Type Tier 4 Minimum to Open $2,500 Minimum to Earn APY $50,000 - $99,999.99 Annual Percentage Yield (APY) 0.20% Compounding Method Daily Interest Rate 0.20%
Tier 5 Open/Close
Consumer Account Type Tier 5 Minimum to Open $2,500 Minimum to Earn APY $100,000 + Annual Percentage Yield (APY) 0.51% Compounding Method Daily Interest Rate 0.50%
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Premium Personal Money Market Account (MMA)
Tier 1 Open/Close
Consumer Account Type Tier 1 Minimum to Open $50,000 Minimum to Earn APY $50-$49,999.99 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Open Online
Tier 2 Open/Close
Consumer Account Type Tier 2 Minimum to Open $50,000 Minimum to Earn APY $50,000-$99,999.99 Annual Percentage Yield (APY) 0.20% Compounding Method Daily Interest Rate 0.20%
Tier 3 Open/Close
Consumer Account Type Tier 3 Minimum to Open $50,000 Minimum to Earn APY $100,000-$149,999.99 Annual Percentage Yield (APY) 0.51% Compounding Method Daily Interest Rate 0.50%
Tier 4 Open/Close
Consumer Account Type Tier 4 Minimum to Open $50,000 Minimum to Earn APY $150,000-$199,999.99 Annual Percentage Yield (APY) 1.01% Compounding Method Daily Interest Rate 1.00%
Tier 5 Open/Close
Consumer Account Type Tier 5 Minimum to Open $50,000 Minimum to Earn APY $200,000-$249,999.99 Annual Percentage Yield (APY) 1.28% Compounding Method Daily Interest Rate 1.25%
Tier 6 Open/Close
Consumer Account Type Tier 6 Minimum to Open $50,000 Minimum to Earn APY $250,000-$499,999.99 Annual Percentage Yield (APY) 1.53% Compounding Method Daily Interest Rate 1.50%
Tier 7 Open/Close
Consumer Account Type Tier 7 Minimum to Open $50,000 Minimum to Earn APY $500,000-$999,999.99 Annual Percentage Yield (APY) 2.31% Compounding Method Daily Interest Rate 2.25%
Tier 8 Open/Close
Consumer Account Type Tier 8 Minimum to Open $50,000 Minimum to Earn APY $1,000,000+ Annual Percentage Yield (APY) 3.60% Compounding Method Daily Interest Rate 3.49%

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.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

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Youth Accounts
Rates accurate as of December 6, 2024
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Minimum to Open Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Super Saver Open/Close
Minimum to Open Super Saver Minimum to Open $1 Minimum to Earn APY $0 Annual Percentage Yield (APY) 0.15% Compounding Method Daily Interest Rate 0.15% Contact OlyFed
Jump Start Checking† Open/Close
Minimum to Open Jump Start Checking† Minimum to Open $50 Minimum to Earn APY $0 Annual Percentage Yield (APY) 0.15% Compounding Method Daily Interest Rate 0.15% Contact OlyFed
48 Mo. Dream Builder CD Open/Close
Minimum to Open 48 Mo. Dream Builder CD Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.32% Compounding Method Monthly Interest Rate 2.30% Contact OlyFed
48 Mo. Dream Saver CD Open/Close
Minimum to Open 48 Mo. Dream Saver CD Minimum to Open $50 Minimum to Earn APY $50 Annual Percentage Yield (APY) 2.02% Compounding Method Monthly Interest Rate 2.00% Contact OlyFed

Super Saver, Dream Builder, and Dream Saver accounts are for customers under the age of 18. †High School age up to 19. For JumpStart Checking and Super Saver accounts, rates are variable and may change without notice after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. Terms and conditions apply.

Dream Builder and Dream Saver certificates have a fixed rate for term. Dream Builder requires a monthly automatic transfer from an OlyFed account. The APY is accurate as of the date above and is subject to change. 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

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Business Checking & Savings
Rates accurate as of December 6, 2024
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Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Checking Accounts
Outreach Business* Open/Close
Business Account Type Outreach Business* Minimum to Open $100 Minimum to Earn APY $100 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Contact OlyFed
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Beyond Business
Tier 1 Open/Close
Business Account Type Tier 1 Minimum to Open $1,000 Minimum to Earn APY $0 - $2,499.99 Annual Percentage Yield (APY) 0.00% Compounding Method Daily Interest Rate 0.00% Contact OlyFed
Tier 2 Open/Close
Business Account Type Tier 2 Minimum to Open $1,000 Minimum to Earn APY $2,500 - $24,999.99 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05%
Tier 3 Open/Close
Business Account Type Tier 3 Minimum to Open $1,000 Minimum to Earn APY $25,000 - $74,999.99 Annual Percentage Yield (APY) 0.10% Compounding Method Daily Interest Rate 0.10%
Tier 4 Open/Close
Business Account Type Tier 4 Minimum to Open $1,000 Minimum to Earn APY $75,000 - $149,999.99 Annual Percentage Yield (APY) 0.12% Compounding Method Daily Interest Rate 0.12%
Tier 5 Open/Close
Business Account Type Tier 5 Minimum to Open $1,000 Minimum to Earn APY $150,000 + Annual Percentage Yield (APY) 0.51% Compounding Method Daily Interest Rate 0.50%

Fees may reduce earnings. 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. * This account is for community organizations and nonprofits.

Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Money Market Account (MMA)
Tier 1 Open/Close
Business Account Type Tier 1 Minimum to Open $2,500 Minimum to Earn APY $50 - $2,499.99 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Contact OlyFed
Tier 2 Open/Close
Business Account Type Tier 2 Minimum to Open $2,500 Minimum to Earn APY $2,500 - $9,999.99 Annual Percentage Yield (APY) 0.10% Compounding Method Daily Interest Rate 0.10%
Tier 3 Open/Close
Business Account Type Tier 3 Minimum to Open $2,500 Minimum to Earn APY $10,000 - $49,999.99 Annual Percentage Yield (APY) 0.20% Compounding Method Daily Interest Rate 0.20%
Tier 4 Open/Close
Business Account Type Tier 4 Minimum to Open $2,500 Minimum to Earn APY $50,000 - $99,999.99 Annual Percentage Yield (APY) 0.20% Compounding Method Daily Interest Rate 0.20%
Tier 5 Open/Close
Business Account Type Tier 5 Minimum to Open $2,500 Minimum to Earn APY $100,000 + Annual Percentage Yield (APY) 0.51% Compounding Method Daily Interest Rate 0.50%
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Premium Money Market Account
Tier 1 Open/Close
Business Account Type Tier 1 Minimum to Open $50,000 Minimum to Earn APY $50 - $9,999.99 Annual Percentage Yield (APY) 0.10% Compounding Method Daily Interest Rate 0.10% Contact OlyFed
Tier 2 Open/Close
Business Account Type Tier 2 Minimum to Open $50,000 Minimum to Earn APY $10,000 - $49,999.99 Annual Percentage Yield (APY) 0.10% Compounding Method Daily Interest Rate 0.10%
Tier 3 Open/Close
Business Account Type Tier 3 Minimum to Open $50,000 Minimum to Earn APY $50,000 - $99,999.99 Annual Percentage Yield (APY) 0.15% Compounding Method Daily Interest Rate 0.15%
Tier 4 Open/Close
Business Account Type Tier 4 Minimum to Open $50,000 Minimum to Earn APY $100,000 - $299,999.99 Annual Percentage Yield (APY) 0.51% Compounding Method Daily Interest Rate 0.50%
Tier 5 Open/Close
Business Account Type Tier 5 Minimum to Open $50,000 Minimum to Earn APY $300,000-$499,999.99 Annual Percentage Yield (APY) 1.79% Compounding Method Daily Interest Rate 1.75%
Tier 6 Open/Close
Business Account Type Tier 6 Minimum to Open $50,000 Minimum to Earn APY $500,000-$999,999.99 Annual Percentage Yield (APY) 2.31% Compounding Method Daily Interest Rate 2.25%
Tier 7 Open/Close
Business Account Type Tier 7 Minimum to Open $50,000 Minimum to Earn APY $1,000,000+ Annual Percentage Yield (APY) 3.60% Compounding Method Daily Interest Rate 3.49%

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.

Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Savings Account
Statement Savings Open/Close
Business Account Type Statement Savings Minimum to Open $100 Minimum to Earn APY $50 Annual Percentage Yield (APY) 0.05% Compounding Method Daily Interest Rate 0.05% Contact OlyFed
Companion Savings* Open/Close
Business Account Type Companion Savings* Minimum to Open $100 Minimum to Earn APY $0 Annual Percentage Yield (APY) 2.83% Compounding Method Daily Interest Rate 2.75% Contact OlyFed

$3 quarterly service charge will be imposed if the average daily balance falls below $100.

*COMPANION SAVINGS: Variable rate account. Interest rate of 2.75% and 2.83% Annual Percentage Yield (APY) is effective as of September 27, 2024, 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.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

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Home Loans
Rates accurate as of December 6, 2024
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Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30-Year Fixed Open/Close
Mortgage Type 30-Year Fixed Interest Rate 6.875% Annual Percentage Rate (APR) 7.042% Loan Fee 1% Contact a Loan Officer
20-Year Fixed Open/Close
Mortgage Type 20-Year Fixed Interest Rate 6.250% Annual Percentage Rate (APR) 6.459% Loan Fee 1% Contact a Loan Officer
15-Year Fixed Open/Close
Mortgage Type 15-Year Fixed Interest Rate 6.000% Annual Percentage Rate (APR) 6.259% Loan Fee 1% Contact a Loan Officer
10-Year Fixed Open/Close
Mortgage Type 10-Year Fixed Interest Rate 5.875% Annual Percentage Rate (APR) 6.240% Loan Fee 1% Contact a Loan Officer
1st Time Homebuyer (30-Year Fixed) Open/Close
Mortgage Type 1st Time Homebuyer (30-Year Fixed) Interest Rate 6.625% Annual Percentage Rate (APR) 6.739% Loan Fee .50% Contact a Loan Officer
1st Time Homebuyer (20-Year Fixed) Open/Close
Mortgage Type 1st Time Homebuyer (20-Year Fixed) Interest Rate 6.000% Annual Percentage Rate (APR) 6.143% Loan Fee .50% Contact a Loan Officer
Affordable Home Loan Program (30-Year Fixed) Open/Close
Mortgage Type Affordable Home Loan Program (30-Year Fixed) Interest Rate 4.000% Annual Percentage Rate (APR) 4.054% Loan Fee $800 Contact a Loan Officer
Non-Owner Occupied (30-Year Fixed) Open/Close
Mortgage Type Non-Owner Occupied (30-Year Fixed) Interest Rate 7.750% Annual Percentage Rate (APR) 7.984% Loan Fee 1.5% Contact a Loan Officer
Non-Owner Occupied (15-Year Fixed) Open/Close
Mortgage Type Non-Owner Occupied (15-Year Fixed) Interest Rate 7.500% Annual Percentage Rate (APR) 7.865% Loan Fee 1.5% Contact a Loan Officer
Green Choice Energy Efficient Mortgage* Open/Close
Mortgage Type Green Choice Energy Efficient Mortgage* Interest Rate Annual Percentage Rate (APR) Loan Fee 0.50% Off Loan Fee Contact a Loan Officer
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo (30-Year Fixed)
$825,000.00 and above (80% max LTV) Open/Close
Mortgage Type $825,000.00 and above (80% max LTV) Interest Rate 6.875% Annual Percentage Rate (APR) 7.024% Loan Fee 1% Contact a Loan Officer

Product for owner-occupied purchases & refinances. Rates are held at the 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.

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $300,000.00 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.

  • 30-Year Mortgage: Interest rate 6.875%, Annual Percentage Rate (APR) 7.042%, 360 monthly payments of $1,970.79 each, total interest paid $410,339.43.
  • 20-Year Mortgage: Interest rate 6.250%, Annual Percentage Rate (APR) 6.459%, 240 monthly payments at $2,192.78 each, total interest paid $227,050.52.
  • 15-Year Mortgage: Interest rate 6.000%, Annual Percentage Rate (APR) 6.259%, 180 monthly payments of $2,531.57 each, total interest paid $156,432.79.
  • 10-Year Mortgage: Interest rate 5.875%, Annual Percentage Rate (APR) 6.240%, 120 monthly payments of $3,311.81 each, total interest paid $98,152.33.
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 6.625%, Annual Percentage Rate (APR) 6.739%, 360 monthly payments of $1,920.93 each, total interest paid $392,366.19.
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 6.000%, Annual Percentage Rate (APR) 6.143%, 240 monthly payments of $2,149.29 each, total interest paid $216,581.10.
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 7.750%, Annual Percentage Rate (APR) 7.984%, 360 monthly payments of $2,149.24 each, total interest paid $474,690.12.
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 7.500%, Annual Percentage Rate (APR) 7.865%, 180 monthly payments of $2,781.04 each, total interest paid $201,523.74.

JUMBO LOAN PAYMENT CALCULATIONS
Calculation example based on loan amount shown with 20% down payment (purchase) or equity position (refinancing). Payment calculation is principal and interest only and does not include taxes or insurance which may increase your monthly payment.

  • $825,000 loan amount (80% max LTV): Interest rate 6.875%, Annual Percentage Rate (APR) 7.024%, 360 monthly payments of $5,419.66 each, total interest paid $1,128,443.80.

At OlyFed we do offer Jumbo Loans with as little as 10% down; however, Private Mortgage Insurance (PMI) is required with loans that have less than 20% down. Contact an OlyFed Loan Officer for more details.

AFFORDABLE HOME LOAN PROGRAM PAYMENT CALCULATION 
Calculations based on $412,000.00 conventional loan with 3% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes, insurance or Private Mortgage Insurance (PMI), which may increase your monthly payment.

  • Affordable Home Loan Program (30-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.054%, 360 monthly payments of $1,966.95 each, total interest paid $296,789.47.

Green Choice Energy Efficient Mortgage: 0.50% off loan fee for loans $824,999 and below.

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Construction Loans
Rates accurate as of December 6, 2024
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Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30-Year Fixed (Owner Occupied) Open/Close
Type of Mortgage 30-Year Fixed (Owner Occupied) Interest Rate 7.125% Annual Percentage Rate (APR) 7.306% Loan Fee 1% Contact a Loan Officer
20-Year Fixed (Owner Occupied) Open/Close
Type of Mortgage 20-Year Fixed (Owner Occupied) Interest Rate 6.625% Annual Percentage Rate (APR) 6.850% Loan Fee 1% Contact a Loan Officer
15-Year Fixed (Owner Occupied) Open/Close
Type of Mortgage 15-Year Fixed (Owner Occupied) Interest Rate 6.375% Annual Percentage Rate (APR) 6.648% Loan Fee 1% Contact a Loan Officer
30-Year Fixed (First-Time Homebuyer) Open/Close
Type of Mortgage 30-Year Fixed (First-Time Homebuyer) Interest Rate 6.875% Annual Percentage Rate (APR) 7.002% Loan Fee .50% Contact a Loan Officer
20-Year Fixed (First-Time Homebuyer) Open/Close
Type of Mortgage 20-Year Fixed (First-Time Homebuyer) Interest Rate 6.375% Annual Percentage Rate (APR) 6.533% Loan Fee .50% Contact a Loan Officer
30-Year Fixed (Affordable Construction Program) Open/Close
Type of Mortgage 30-Year Fixed (Affordable Construction Program) Interest Rate 4.000% Annual Percentage Rate (APR) 4.078% Loan Fee $800 Contact a Loan Officer
30-Year Fixed (Non-Owner Occupied) Open/Close
Type of Mortgage 30-Year Fixed (Non-Owner Occupied) Interest Rate 7.750% Annual Percentage Rate (APR) 8.047% Loan Fee 2% Contact a Loan Officer
15-Year Fixed (Non-Owner Occupied) Open/Close
Type of Mortgage 15-Year Fixed (Non-Owner Occupied) Interest Rate 7.500% Annual Percentage Rate (APR) 7.952% Loan Fee 2% Contact a Loan Officer
Green Choice Lending Program* Open/Close
Type of Mortgage Green Choice Lending Program* Interest Rate Annual Percentage Rate (APR) Loan Fee 0.50% Off Loan Fee Contact a Loan Officer
Open/Close
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo Construction (30 Year)
$825,000.00 and above (80% max LTV) Open/Close
Type of Mortgage $825,000.00 and above (80% max LTV) Interest Rate 7.375% Annual Percentage Rate (APR) 7.519% Loan Fee 1% Contact a Loan Officer

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $450,000.00 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.

  • Owner Occupied (30-Year Mortgage): Interest rate 7.125%, Annual Percentage Rate (APR) 7.306%, 360 monthly payments of $3,031.73 each, total interest paid $657,458.07.
  • Owner Occupied (20-Year Mortgage): Interest rate 6.625%, Annual Percentage Rate (APR) 6.850%, 240 monthly payments of $3,388.28 each, total interest paid $378,092.09.
  • Owner Occupied (15-Year Mortgage): Interest rate 6.375%, Annual Percentage Rate (APR) 6.648%, 180 monthly payments of $3,889.13 each, total interest paid $264,386.18.
  • 1st-Time Homebuyer (30-Year Mortgage): Interest rate 6.875%, Annual Percentage Rate (APR) 7.002%, 360 monthly payments of $2,956.18 each, total interest paid $629,693.57.
  • 1st-Time Homebuyer (20-Year Mortgage): Interest rate 6.375%, Annual Percentage Rate (APR) 6.533%, 240 monthly payments of $3,322.05 each, total interest paid $361,633.49.
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 7.750%, Annual Percentage Rate (APR) 8.047%, 360 monthly payments of $3,223.86 each, total interest paid $728,020.09.
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 7.500%, Annual Percentage Rate (APR) 7.952%, 180 monthly payments of $4,171.56 each, total interest paid $317,754.30.

Maximum loan to value of 95% on Owner Occupied (with a licensed contractor).

JUMBO LOAN PAYMENT CALCULATIONS
Calculation example based on loan amount shown with 20% down payment (purchase) or equity position (refinancing). Payment calculation is principal and interest only and does not include taxes or insurance which may increase your monthly payment.

  • $825,000 loan amount (80% max LTV): Interest rate 7.375%, Annual Percentage Rate (APR) 7.519%, 360 monthly payments of $5,698.07 each, total interest paid $1,256,727.28.

At OlyFed we do offer Jumbo Loans with as little as 10% down; however, Private Mortgage Insurance (PMI) is required with loans that have less than 20% down. Contact an OlyFed Loan Officer for more details.

AFFORDABLE CONSTRUCTION LOAN PROGRAM PAYMENT CALCULATION 
Calculations based on $412,000.00 conventional loan with 5% down payment. Payment calculations are principal and interest only and do not include taxes, insurance or Private Mortgage Insurance (PMI), which may increase your monthly payment.

  • Affordable Construction Loan Program (30-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.078%, 360 monthly payments of $1,966.95 each, total interest paid $304,342.77.

*Green Choice Lending Program: 0.50% off loan fee for loans $824,999 and below.

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Developed Lot Loans
Rates accurate as of December 6, 2024
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Type of Loan Interest Rate Annual Percentage Rate (APR) Loan Fee
Developed Lot Open/Close
Type of Loan Developed Lot Interest Rate 8.625% Annual Percentage Rate (APR) 9.430% Loan Fee 2% Contact a Loan Officer

5-year balloon / 25-year amortization. Loan amount 75% of lot sale price.

DEVELOPED LOT LOAN PAYMENT CALCULATIONS

Calculations based on $100,000.00 5-year balloon loan (25 year amortization) with 25% down payment (purchase). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

5-Year Balloon / 25 Year Amortization Loan: Interest rate 8.625%, Annual Percentage Rate (APR) 9.430%, 59 monthly payments of $813.67 each, 1 balloon payment of $93,724.41 total interest paid $42,090.34.

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Manufactured Home Loans
Rates accurate as of December 6, 2024
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Type of Loan Interest Rate Annual Percentage Rate (APR) Loan Fee
30-Year Fixed (Owner Occupied) - New Construction Only Open/Close
Type of Loan 30-Year Fixed (Owner Occupied) - New Construction Only Interest Rate 7.750% Annual Percentage Rate (APR) 7.997% Loan Fee 1% Contact a Loan Officer
20-Year Fixed (Owner Occupied) Open/Close
Type of Loan 20-Year Fixed (Owner Occupied) Interest Rate 7.500% Annual Percentage Rate (APR) 7.812% Loan Fee 1% Contact a Loan Officer
15-Year Fixed (Owner Occupied) Open/Close
Type of Loan 15-Year Fixed (Owner Occupied) Interest Rate 7.250% Annual Percentage Rate (APR) 7.631% Loan Fee 1% Contact a Loan Officer
20-Year Fixed (Non-Owner Occupied) Open/Close
Type of Loan 20-Year Fixed (Non-Owner Occupied) Interest Rate 9.250% Annual Percentage Rate (APR) 9.595% Loan Fee 1% Contact a Loan Officer
15-Year Fixed (Non-Owner Occupied) Open/Close
Type of Loan 15-Year Fixed (Non-Owner Occupied) Interest Rate 9.000% Annual Percentage Rate (APR) 9.415% Loan Fee 1% Contact a Loan Officer

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $100,000.00 conventional loan with 30% down payment (purchase) or equity position (refinancing) for owner occupied financing and 40% down payment (purchase) or equity position (refinancing) for non-owner occupied financing. Payment examples are principal and interest only and do not include taxes and insurance which may result in a higher monthly payment.

  • Owner Occupied (30-Year Mortgage, New Construction): Interest rate 7.750%, Annual Percentage Rate (APR) 7.997%, 360 monthly payments of $716.41 each, total interest paid $158,233.79
  • Owner Occupied (20-Year Mortgage): Interest rate 7.500%, Annual Percentage Rate (APR) 7.812%, 240 monthly payments of $805.59 each, total interest paid $93,655.84
  • Owner Occupied (15-Year Mortgage): Interest rate 7.250%, Annual Percentage Rate (APR) 7.631%, 180 monthly payments of $912.86 each, total interest paid $64,617.95
  • Non-Owner Occupied (20-Year Mortgage): Interest rate 9.250%, Annual Percentage Rate (APR) 9.595%, 240 monthly payments of $915.87 each, total interest paid $120,191.83
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 9.000%, Annual Percentage Rate (APR) 9.415%, 180 monthly payments of $1,014.27 each, total interest paid $82,942.37

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Home Equity Loan (HELP)
Rates accurate as of December 6, 2024
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HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
8.250% Fixed (90% Max LTV) Open/Close
HELP Type 8.250% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.527% Amortized Term 10 Years Loan Fee $0 Contact a Loan Officer
7.750% Fixed (80% Max LTV) Open/Close
HELP Type 7.750% Fixed (80% Max LTV) Annual Percentage Rate (APR) 8.020% Amortized Term 10 Years Loan Fee $0
8.500% Fixed (90% Max LTV) Open/Close
HELP Type 8.500% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.704% Amortized Term 15 Years Loan Fee $0
8.000% Fixed (80% Max LTV) Open/Close
HELP Type 8.000% Fixed (80% Max LTV) Annual Percentage Rate (APR) 8.197% Amortized Term 15 Years Loan Fee $0
8.750% Fixed (90% Max LTV) Open/Close
HELP Type 8.750% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.898% Amortized Term 25 Years Loan Fee $0
8.250% Fixed (80% Max LTV) Open/Close
HELP Type 8.250% Fixed (80% Max LTV) Annual Percentage Rate (APR) 8.392% Amortized Term 25 Years Loan Fee $0
Green Choice Retrofit: 7.750% (90% Max LTV) Open/Close
HELP Type Green Choice Retrofit: 7.750% (90% Max LTV) Annual Percentage Rate (APR) 8.527% Amortized Term 10 Years Loan Fee $0 Contact a Loan Officer
Green Choice Retrofit: 7.250% (80% Max LTV) Open/Close
HELP Type Green Choice Retrofit: 7.250% (80% Max LTV) Annual Percentage Rate (APR) 7.512% Amortized Term 10 Years Loan Fee $0

Product for owner-occupied purchases & refinances.

FIXED-RATE HELP PAYMENT CALCULATIONS
Calculations based on $100,000.00 loan. Payment calculations are principal and interest and do not include taxes or insurance which may increase your monthly payment.

  • 25-Year HELP Loan (90% LTV): Interest rate 8.750%, Annual Percentage Rate (APR) 8.898%, 300 monthly payments of $822.14 each, total interest paid $147,010.37.
  • 25-Year HELP Loan (80% LTV): Interest rate 8.250%, Annual Percentage Rate (APR) 8.392%, 300 monthly payments of $788.45 each, total interest paid $136,878.41.
  • 15-Year HELP Loan (90% LTV): Interest rate 8.500%, Annual Percentage Rate (APR) 8.704%, 180 monthly payments of $984.74 each, total interest paid $77,607.20.
  • 15-Year HELP Loan (80% LTV): Interest rate 8.000%, Annual Percentage Rate (APR) 8.197%, 180 monthly payments of $955.65 each, total interest paid $72,351.01.
  • 10-Year HELP Loan (90% LTV): Interest rate 8.250%, Annual Percentage Rate (APR) 8.527%, 120 monthly payments of $1,226.53 each, total interest paid $47,526.71.
  • 10-Year HELP Loan (80% LTV): Interest rate 7.750%, Annual Percentage Rate (APR) 8.020%, 120 monthly payments of $1,200.11 each, total interest paid $44,335.51.
  • 10-Year Green Choice Retrofit HELP Loan (90% LTV): Interest rate 7.750%, Annual Percentage Rate (APR) 8.020%, 120 monthly payments of $1,200.11 each, total interest paid $44,335.51.
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 7.250%, Annual Percentage Rate (APR) 7.512%, 120 monthly payments of $1,174.01 each, total interest paid $41,183.36.

Maximum Loan Amount is $250,000; however, the following stipulations apply:

  • If Olyfed is in 1st lien position, 90% maximum loan to value up to $150,000
  • If Olyfed is NOT in 1st lien position, 80% maximum loan to value up to $150,000
  • 75% maximum loan to value for loan amounts $150,001- $250,000.
  • 75% maximum loan to value if the purpose of this HELP is for debt consolidation

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Home Equity Line of Credit (HELOC)
Rates accurate as of December 6, 2024
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HELOC Type Interest Rate Annual Percentage Rate (APR) Loan Fee
LTV - Up To & Including 80% Open/Close
HELOC Type LTV - Up To & Including 80% Interest Rate 7.875% Variable Annual Percentage Rate (APR) 7.875% Loan Fee $0 Contact a Loan Officer
LTV - Up To & Including 80.01% - 90.0% Open/Close
HELOC Type LTV - Up To & Including 80.01% - 90.0% Interest Rate 9.125% Variable Annual Percentage Rate (APR) 9.125% Loan Fee $0

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 7.750%, however, we have an Annual Percentage Rate minimum (floor) of 4.00%. The maximum Annual Percentage Rate (APR) is 18.000%.

*Maximum Loan Amount is $250,000; however, the following stipulations apply:

  • If Olyfed is in 1st lien position, 90% maximum loan to value up to $150,000
  • If Olyfed is NOT in 1st lien position, 80% maximum loan to value up to $150,000
  • 75% maximum loan to value for loan amounts $150,001 – $250,000.
  • 75% maximum loan to value if the purpose of the HELOC is for debt consolidation

FEES AND CHARGES. To open and maintain a line of credit, you must pay the following fees to us:
Maintenance: $50.00 (due annually). Note that some fees may only apply upon the occurrence of an event and have been provided for informational purposes only.

You must also pay certain fees to third parties, such as appraisers, credit reporting firms, and government agencies. These fees generally total $588.00 to $2,463.00.

The following are an estimate of third-party fees:

  • Appraisal: $0 – $1,100.00
  • Credit report: $25.00 – $50.00
  • Official: $215.00
  • Title insurance: $250.00 – $1,000.00
  • Flood Determination: $17.00
  • Tax Registration: $81.00

Olympia Federal Savings reserves the right to charge to customer a fee, as allowed by law, for any check tendered to Olympia Federal Savings that is not honored and returned to Olympia Federal Savings for any reason including, but not limited to, a stop payment order, insufficient funds or an over the limit draft. You must carry insurance on the property that secures the line of credit.

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Personal Loans
Rates accurate as of December 6, 2024
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Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Personal Line of Credit (PLOC) Open/Close
Personal Loan Type Personal Line of Credit (PLOC) Annual Percentage Rate (APR) Rates range from 15.000% - 18.000% variable APR Terms 5 year draw period followed by a 5 year repayment period Comments Your individual financing and the interest rate to which you qualify will be determined by income and individual credit history
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Vehicle Loans
New, Used or Classic Vehicle Loan Open/Close
Personal Loan Type New, Used or Classic Vehicle Loan Annual Percentage Rate (APR) Rates range from 7.537% - 10.556% fixed APR Terms Choose your term to suit your monthly budget Comments Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Green Choice Auto Loan Open/Close
Personal Loan Type Green Choice Auto Loan Annual Percentage Rate (APR) 7.036% - 8.842% fixed APR Terms Comments
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Boat Loan
New or Used Boat Loan Open/Close
Personal Loan Type New or Used Boat Loan Annual Percentage Rate (APR) Rates range from 9.056% - 10.094% fixed APR Terms Choose your term to suit your monthly budget Comments Your individual financing and the interest rate to which you qualify will be determined by boat age and individual credit history
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
RV Loan
New or Used RV Loan Open/Close
Personal Loan Type New or Used RV Loan Annual Percentage Rate (APR) Rates range from 9.037% - 10.037% fixed APR Terms Choose your term to suit your monthly budget Comments 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.

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Account Fees
Item Current Fee Schedule (Effective thru Jan. 31, 2025) New Fee Schedule (Effective February 1, 2025)
Check printing (fee depends on the style of check ordered) Open/Close
Item Check printing (fee depends on the style of check ordered) Current Fee Schedule (Effective thru Jan. 31, 2025) Fee Varies New Fee Schedule (Effective February 1, 2025) Fee Varies
OD charge† Open/Close
Item OD charge† Current Fee Schedule (Effective thru Jan. 31, 2025) $25 per item paid New Fee Schedule (Effective February 1, 2025) $25 per item paid
Maximum for OD charges† Open/Close
Item Maximum for OD charges† Current Fee Schedule (Effective thru Jan. 31, 2025) $125 per day New Fee Schedule (Effective February 1, 2025) $125 per day
Canadian check processing Open/Close
Item Canadian check processing Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $5
Account research Open/Close
Item Account research Current Fee Schedule (Effective thru Jan. 31, 2025) $25 per hour New Fee Schedule (Effective February 1, 2025) $25 per hour
Statement copies‡ Open/Close
Item Statement copies‡ Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $3 per statement
Check copies (2 free per month) Open/Close
Item Check copies (2 free per month) Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $2 per check over limit
Legal process* (Levies/Liens/Garnishments) Open/Close
Item Legal process* (Levies/Liens/Garnishments) Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $100 per occurence
Cashier's check** Open/Close
Item Cashier's check** Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $5 per check
Counter check Open/Close
Item Counter check Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $1/up to 4 checks
Debit card replacement*** Open/Close
Item Debit card replacement*** Current Fee Schedule (Effective thru Jan. 31, 2025) $0 New Fee Schedule (Effective February 1, 2025) $5
Stop payment charge Open/Close
Item Stop payment charge Current Fee Schedule (Effective thru Jan. 31, 2025) $15 New Fee Schedule (Effective February 1, 2025) $25
Unauthorized ACH entry fee Open/Close
Item Unauthorized ACH entry fee Current Fee Schedule (Effective thru Jan. 31, 2025) $4.50 each New Fee Schedule (Effective February 1, 2025) $4.50 each
Account closed within 90 days of opening Open/Close
Item Account closed within 90 days of opening Current Fee Schedule (Effective thru Jan. 31, 2025) $15 New Fee Schedule (Effective February 1, 2025) $20
Wire transfer fee (domestic) Open/Close
Item Wire transfer fee (domestic) Current Fee Schedule (Effective thru Jan. 31, 2025) $15 New Fee Schedule (Effective February 1, 2025) $25
Wire transfer fee (international) Open/Close
Item Wire transfer fee (international) Current Fee Schedule (Effective thru Jan. 31, 2025) $30 New Fee Schedule (Effective February 1, 2025) $40
Item Current Fee Schedule (Effective thru Jan. 31, 2025) New Fee Schedule (Effective February 1, 2025)
Safe Deposit Boxes
2" x 5" Open/Close
Item 2" x 5" Current Fee Schedule (Effective thru Jan. 31, 2025) $19 per year New Fee Schedule (Effective February 1, 2025) $19 per year
3" x 5" Open/Close
Item 3" x 5" Current Fee Schedule (Effective thru Jan. 31, 2025) $25 per year New Fee Schedule (Effective February 1, 2025) $25 per year
5" x 5" Open/Close
Item 5" x 5" Current Fee Schedule (Effective thru Jan. 31, 2025) $30 per year New Fee Schedule (Effective February 1, 2025) $30 per year
3" x 10" Open/Close
Item 3" x 10" Current Fee Schedule (Effective thru Jan. 31, 2025) $40 per year New Fee Schedule (Effective February 1, 2025) $40 per year
5" x 10" Open/Close
Item 5" x 10" Current Fee Schedule (Effective thru Jan. 31, 2025) $55 per year New Fee Schedule (Effective February 1, 2025) $55 per year
10" x 10" Open/Close
Item 10" x 10" Current Fee Schedule (Effective thru Jan. 31, 2025) $105 per year New Fee Schedule (Effective February 1, 2025) $105 per year
11" x 16" Open/Close
Item 11" x 16" Current Fee Schedule (Effective thru Jan. 31, 2025) $185 per year New Fee Schedule (Effective February 1, 2025) $185 per year
Replacement Key Open/Close
Item Replacement Key Current Fee Schedule (Effective thru Jan. 31, 2025) $10 New Fee Schedule (Effective February 1, 2025) $15
Drilling Open/Close
Item Drilling Current Fee Schedule (Effective thru Jan. 31, 2025) Varies New Fee Schedule (Effective February 1, 2025) Varies

On an available basis. Not FDIC Insured. Safe-deposit box rent will be discounted by $5.00 when you sign up for automatic payment from OlyFed savings or checking account.

†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 an overdraft (OD) charge if we pay the item. Non-sufficient funds (NSF) charges will not be imposed on ATM withdrawals, one-time debit card transactions, items that are returned NSF or bank fees.

‡The fee is assessed for statement reprints.

*If the account balance is less than the fee amount, we will charge a portion of the fee. The fee will not be greater than the account balance.

**Waived for customers with direct deposit.

***One free replacement card per year. Cards replaced due to fraud or compromise are also free of charge.

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.