Rates as Low as 4.50% APR on Home Equity Loans

Now, when you open a HELOC, draw funds, and convert your balance to a fixed loan, you can get a rate as low as 4.50% APR for 5 years. We’ll pay most closing costs and waive your annual fee for 5 years.*

One extraordinary rate. Three terms. Your Choice. Earn 3.65% APY on a 5-, 9-, or 13-month certificate.

Get a great rate on an auto loan

Get a rate as low as 5.24% on a new or used auto loan and make no payments for 90 days.

Certificates

as high as 3.90 % with Certificate Reward APY
See Certificate Rates and Terms

Car Loans

as low as 5.24 % New APR 6.49 % Used APR
See Auto Rates and Terms

Credit Cards

as low as 10.75 % APR
See Credit Card Rates and Terms

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

2025 SELCO scholarship winner.

Apply for a SELCO Scholarship

Nearly $80,000 in scholarships is available as we again support vocational, continuing, and nontraditional students. The deadline to apply is March 31!

Woman sitting on her couch smiling looking at her phone.

Step up your financial game with Vault

It’s never too early to develop money smarts. Our Vault Youth Savings account features exceptional dividends, financial learning resources, savings incentives, and more.

Still time to contribute to IRA, HSA

If you need to catch up on your IRA or HSA contributions for 2025, you have until April 15 to do so. For 2026, contribution limits for both accounts have increased.

Lock down your SELCO accounts

SELCO has many tools to help keep your accounts safe. Build your personal firewall with push notifications, fingerprint/face ID, card and transaction alerts, and more.

Financial tips and tools

New Credit Score Rules and How They May Affect Borrowers

Credit bureaus are making changes to what goes into a credit score, offering new ways for prospective borrowers to build their credit.