Two people sitting on a car at the beach watching the sunset.

Refi your ride for as low as 4.99% APR

Bring an auto loan from another institution to SELCO and refinance for as low as 4.99% APR* with no payments for 90 days. Whether you're looking for a lower car payment, better rate, or extra cash, there's no better time to apply. We'll even cover your title fee (up to $192).

Classroom Grant recipient winner and students.

Up to $125,000 available for Oregon educators

Applications are being accepted through September 30 for SELCO’s Classroom Makeovers and Creative Educator Grants, designed to support bold ideas and innovative learning spaces. 

Certificates

as high as 4.10 % with Certificate Reward APY
See Certificate Rates and Terms

Car Loans

as low as 5.99 % New APR 6.99 % Used APR
See Auto Rates and Terms

Credit Cards

as low as 11.50 % APR
See Credit Card Rates and Terms

Whatever a good life means to you, we will help you get there.

Guy and girl smiling while looking at a phone.

The banking Duo that pays you back

By pairing Link Digital Checking and Cultivate Savings, you’ll have a powerful combination of checking rewards, faster savings, and no monthly or overdraft fees.

Woman looking at a shirt with a confused look on her face.

Singling out 'uniqueness' scams

eCommerce "uniqueness" scams, in which fake online stores mimic legitimate businesses and are augmented by artificial intelligence, are on the rise. Here’s how to stay a step ahead.

SELCO mobile app showing how to monitor your credit score.

Check in on your credit score

See your credit score (and a full credit report) for free as well as resources to help you better understand how your credit is monitored, right from your digital banking dashboard.

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Make every dollar really count with Cultivate

With our Cultivate high-yield savings account, you can earn 5.00% annual percentage yield on your first $1,000 saved and 3.50% APY after that—all the way to $49,999.

Financial tips and tools

KVAL interview with SELCO about avoiding scams

Interview: Avoiding Scams and Scammers

Stephanie Ziegler, SELCO's Senior Financial Investigations Manager, recently sat down with KVAL's Blake Buck to discuss trending scams, how scammers are leveraging AI, and resources for staying safe and a step ahead.