WASHINGTON FEDERAL INC
10-K405, EX-23, 2000-12-22
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE>   1

INDEPENDENT AUDITOR'S CONSENT

We consent to the incorporation by reference in Registration Statements No.
33-89082, No. 33-97900 and No. 33-46588 of Washington Federal, Inc. on forms S-8
of our report dated October 20, 2000, incorporated by reference in the Annual
report on Form 10-K of Washington Federal, Inc. for the year ended September 30,
2000.

 /s/ Deloitte & Touche, LLP
-----------------------------------
DELOITTE & TOUCHE LLP

December 19, 2000
Seattle, Washington



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