Bank · FDIC insured
Olympia Federal Savings CD Rates
Olympia Federal Savings’s best CD rate is 3.90% APY on a 5-month CD. Terms run from 5 months to 10 years. Rates checked October 15, 2026.
How Olympia Federal Savings’s CD rates compare
Compared with banks and credit unions near Olympia, WA, where Olympia Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
Olympia Federal Savings
3.90%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $161
5 Mo. CD Special
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WCLA Credit Union
4.25%APY
- Term
- 14 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $498
Olympia Federal Savings CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo2.90%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Olympia Federal Savings ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
5 Mo. CD Special
Up to 3.90%APY · 1 term
Fixed rate for a 5-month term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly | 3.90% | $161 |
| 5 monthsStandard rate tier. Compounded monthly | 3.25% | $134 |
Sources (1)
- olyfed.com/rates · captured Oct 4, 2026
9 Mo. CD Special
Up to 3.90%APY · 1 term
Fixed rate for a 9-month term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires $10,000+ in new money (funds not currently held on deposit with OlyFed) or an OlyFed checking account with a minimum $500 monthly direct deposit. Compounded monthly | 3.90% | $291 |
| 9 monthsStandard rate tier. Compounded monthly | 3.25% | $243 |
Sources (1)
- olyfed.com/rates · captured Oct 15, 2026
Certificate of Deposit (CD)
Up to 3.04%APY · 11 terms
Fixed rate for term. Early withdrawal penalty may apply.
| Term | APY · $100 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown91 Day CD term. Compounded at maturity | — | 2.75% | 2.75% | $0 |
| 6 months6 Mo. CD term. Compounded monthly | — | 3.04% | 3.04% | $151 |
| 12 months12 Mo. CD term. Compounded monthly | 3.04% | — | 3.04% | $304 |
| 18 months18 Mo. CD term. Compounded monthly | 2.90% | — | 2.90% | $438 |
| 24 months24 Mo. CD term. Compounded monthly | 2.60% | — | 2.60% | $527 |
| 30 months30 Mo. CD term. Compounded monthly | 2.40% | — | 2.40% | $611 |
| 36 months36 Mo. CD term. Compounded monthly | 2.30% | — | 2.30% | $706 |
| 48 months48 Mo. CD term. Compounded monthly | 2.30% | — | 2.30% | $952 |
| 60 months60 Mo. CD term. Compounded monthly | 2.50% | — | 2.50% | $1,314 |
| 72 months72 Mo. CD term. Compounded monthly | 2.50% | — | 2.50% | $1,597 |
| 120 months120 Mo. CD term. Compounded monthly | 1.50% | — | 1.50% | $1,605 |
Sources (1)
- olyfed.com/rates · captured Oct 15, 2026
Add-On CD
Up to 1.31%APY · 3 terms
Only available for consumer customers (not businesses/organizations). Allows additional investments without extending maturity date. Fixed rate for term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months15 Mo. Add-On CD. Compounded monthly | 1.31% | $164 |
| 24 months24 Mo. Add-On CD. Compounded monthly | 1.21% | $243 |
| 48 months48 Mo. Add-On CD. Compounded monthly | 1.21% | $493 |
Add-on Bump Rate CD
1.21%APY · 1 term
Only available for consumer customers (not businesses/organizations). Allows additional deposits and bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Mo. Add-on Bump Rate CD. Compounded monthly. Rate may change once during term | 1.21% | $182 |
Bump Rate CD
0.90%APY · 1 term
Only available for consumer customers (not businesses/organizations). Allows bumping up to a higher rate once during the term without extending the maturity date. Variable rate for term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months60 Mo. Bump Rate CD. Compounded monthly. Rate may change once during term | 0.90% | $458 |
Sources (1)
- olyfed.com/rates · captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 3.19%APY · 8 terms
Available as Traditional, Roth, SEP, and Coverdell IRAs. Fixed rate for term. No annual or administrative fees. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Mo. IRA. Compounded daily | 3.19% | $319 |
| 18 months18 Mo. IRA. Compounded daily | 3.00% | $453 |
| 24 months24 Mo. IRA. Compounded daily | 2.70% | $547 |
| 36 months36 Mo. IRA. Compounded daily | 2.40% | $737 |
| 48 months48 Mo. IRA. Compounded daily | 2.40% | $995 |
| 60 months60 Mo. IRA. Compounded daily | 2.60% | $1,369 |
| 72 months72 Mo. IRA. Compounded daily | 2.60% | $1,665 |
| 120 months120 Mo. IRA. Compounded daily | 1.60% | $1,720 |
Dream Builder CD
2.35%APY · 1 term
For customers under the age of 18. Fixed rate for term. Requires a monthly automatic transfer from an OlyFed account. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months48 Mo. CD term. Compounded monthly | 2.35% | $974 |
Sources (1)
- olyfed.com/rates · captured Oct 15, 2026
Dream Saver CD
2.25%APY · 1 term
For customers under the age of 18. Fixed rate for term. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months48 Mo. CD term. Compounded monthly | 2.25% | $931 |
Sources (1)
- olyfed.com/rates · captured Oct 15, 2026
Closed to new customers
8 Mo. Outreach CD
3.82%APY · 1 term
For Nonprofit & Community Organizations
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsFor Nonprofit & Community Organizations; Open and active Outreach Checking account required | 3.82% | $253 |
Sources (1)
- olyfed.com/rates · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.