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Olympia

PO Box 7549, Olympia, WA 98507
NCUA Insured4.4 (25 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1965

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 7549

Olympia, WA 98507

Service Area

This credit union is located in Olympia and serves members in the WA area. Currently serving 3,712 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.99%

Used Auto Loan

7.75%

Personal Loan

14.75%

Credit Card APR

11.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WA

Lowest rates currently reported by credit unions in WA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.4

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jesse

Jesse

5 months ago

This review is overdue. I started with Oly Credit Union around 11 years ago. Even though I no longer live in the area, I've stayed with them because they've maintained great customer service. When I call, they kindly answer and are helpful. I could move to a credit union closer to home, but why? Their app/portal is great, and if I have other needs I can simply call and speak with someone who will help which is quite rare these days. Thank you, Olympia Credit Union!

Wendy Davis

Wendy Davis

5 months ago

I made a double payment on a bill and overdrafted my account. It was an honest mistake and I've been with Oly Credit Union for over a decade. I went down to the Olympia branch to talk to someone about it. She took me into her office and took one of the 3 overdraft fees off, which I was very grateful for. I told her that I could take a cash advance from a credit card to cover my account, but she told me that she would try to get me a $300 overdraft loan. Since my credit is good and I have a decent income, it seems easy peasy right? It was Friday so I told her I would come back in on Monday morning to see what was happening and get my account straight. She insisted that I not bother to come in and that she would call me on Monday morning. Fast forward to Monday at 11am and no phone call. I called to see what the progress was and she was the one who answered. She seemed rushed and assured me that she would call me back. By the time I got off work, she still hadn't called and by that time it was too late for me to go to a cash machine and get the money deposited. Another bill came through as I had feared and I had another overdraft fee. She finally called me back on Tuesday afternoon and informed me that they couldn't give me a loan. This isn't what upsets me the most, but it's how she responded when I told her I wished she called me the day before like she said she would. She said that they were short staffed and she was too busy. She told me that I had more bills than income. I do just fine, but how humiliating over a couple hundred dollars. What's unbelievable is that a credit union that is supposed to be more personal than a bank will charge you infinite overdraft fees but not give you a tiny loan to avoid them. So disappointing!

Chloe Allmand

Chloe Allmand

2 years ago

Thankful to OCU for helping me through my first auto loan--Melissa Tong was a pleasure to work with, and she made the process easy and stress free. Great customer service, you can tell they genuinely care and want to help answer your questions. Highly recommend!

S Meas

S Meas

12 years ago

I've been a member of OCU since 2008, and the service has been consistently outstanding! It is so refreshing to walk into a branch where the tellers always seem happy and they know you by name. I'm the type of person who is typically on-the-go, and the few times when I've had any financial requests, I've been able to work with Carrie at the Olympia branch and she never ceases to impress me with her amazing and speedy service. With my busy schedule, I appreciate the fact that she has always been able to work with me over email and I always feel like she understands what I need and is able to deliver with turnaround times that can't be beat. The last time I needed a loan, she was able to approve me in less than 20 minutes, and the paperwork was ready to sign just as soon as I could drive over there. I would highly recommend Olympia Credit Union to anyone who believes in banking local and appreciates personal service!

Brock Morgan

Brock Morgan

9 months ago

Melissa in the loan department terrible customer service. Very rude and unprofessionals over the phone. I recommend BECU Olympia credit union sucks

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).