Credit union · NCUA insured
O Bee Credit Union
Top CarrotA $667.1M credit union headquartered in Lacey, WA, with 36,074 members and 6 branches in Washington. Best rates: CDs 3.55% and savings 2.02% APY.
O Bee Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#4 of 25 in Olympia, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About O Bee Credit Union
Established in 1955 for workers at the Olympia Brewery, O Bee Credit Union is a member-owned cooperative financial institution.
Headquartered in Lacey, Washington, it serves people who live or work in Washington State and Pabst employees in Texas and California.
- Headquarters
- 649 Woodland Square Loop SE, Suite 100, Lacey, WA 98503
- NCUA charter
- 60059
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in Washington State.
Employers and groups
- Membership is open to Pabst employees in Texas and California.
Branches
6 branches in Washington
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Washington
6 branches
Olympia area · 5
- Lacey8665 Martin Way E, Lacey, WA 98516Directions
- West Olympia410 Cooper Point Rd SW, # 105, Olympia, WA 98502Directions
- Tenino149 Sussex Ave W, Tenino, WA 98589Directions
- Tumwater3900 Cleveland Ave SE, Tumwater, WA 98501Directions
- Yelm1201 Yelm Ave E Ste 100, Yelm, WA 98597Directions
Seattle area · 1
- Fern Hill8002 Pacific Ave, Tacoma, WA 98408Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.96% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.62% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $105 | $76 | — |
- CapitalNet worth ratio8.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.96%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$105Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of O Bee Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.