Bank · FDIC insured
Olympia Federal Savings
A $1B bank headquartered in Olympia, WA, with 9 branches in Washington. Best rates: CDs 3.90% and savings 0.05% APY.
Olympia Federal Savings Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#18 of 25 in Olympia, WA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Olympia Federal Savings
Founded in 1906, Olympia Federal Savings operates as a mutual bank accountable to its depositors and borrowers rather than shareholders.
- Headquarters
- 421 Capitol Way S, Olympia, WA 98501
- FDIC certificate
- 28599 ↗
Branches
9 branches in Washington
Loading map…
Washington
9 branches
Olympia area · 7
- Olympia Federal Savings and Loan AssociationMain office421 Capitol Way S, Olympia, WA 98501Directions
- Lacey Branch4310 6th Ave Se, Lacey, WA 98503Directions
- Yelm Highway Branch4860 Yelm Hwy Se, Lacey, WA 98503Directions
- Hawks Prairie Branch8300 Quinault Dr Ne, Olympia, WA 98516Directions
- Westside Branch2420 Harrison Ave Ne, Olympia, WA 98502Directions
- Tumwater Branch303 Cleveland Ave Se, Tumwater, WA 98501Directions
- Yelm Branch907 Yelm Ave W, Yelm, WA 98597Directions
Shelton area · 1
- Belfair Branch24081 Ne State Route 3, Belfair, WA 98528Directions
Centralia area · 1
- Chehalis Branch535 N Market Blvd, Chehalis, WA 98532Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.15% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.26% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.36% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $122 | $88 | — |
- CapitalLeverage ratio12.15%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.26%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.36%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$122Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Olympia Federal Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.