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Is A Personal Loan Right for Me?

What is a personal loan? And when does it make sense to take one out? Simply put, it is a means of quickly getting a lump sum of money for several different purposes.

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5 Ways it Pays to Have Your Own Insurance Agent

If you want to learn the ins and outs of how you’re being insured, it can be beneficial to have your own insurance agent to do the work for you. Here are a few ways it pays to have your own agent.

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Brushing Up On Basic Online Safety Topics

To commemorate Cybersecurity Awareness Month, SELCO's Information Security team reviews common threats to the safety of your personal and information online.

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Refinanced recently? Could make sense to do it again

With interest rates so low, it could make sense to refinance the mortgage on your home—even if you already did so recently. Check out the various ways you can save.

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Crypto Is Hot, But There Are Safer Ways to Invest

Investing in cryptocurrency can make you a quick buck; but it also can mean losing it all just as quickly. You may consider more methodical options to make the most out of your investments.

Woman signing documents

5 Steps to Getting a Small-Business Loan

Ready to grow your business? Need help managing the day-to-day operations? A small-business loan may be what you need. Let us help guide you through the complex application process.

Wood blocks of house and question marks

Demystifying Mortgage Terms, Part I

Trying to decipher certain mortgage terms can be downright confusing. In Part I of a two-part series, we help demystify terms you'll encounter during the loan-approval process.

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Demystifying Mortgage Terms, Part II

In Part II of this series, we explain other terms you'll hear during the entire mortgage process. Learning what all these terms and acronyms mean will make for a smoother home-buying process.

Woman opening a box

What to Know About 'Buy Now, Pay Later'

A relatively new service called Buy Now, Pay Later (BNPL) allows you to find something you like, “buy” it, then pay for it later. Incredibly convenient, right? But is there a catch?

Toy car on laptop keyboard

Is Carvana A Nirvana for Buying A Car Online?

Carvana is all the rage these days. Check out a few pros and cons about the online-all-the-time used car retailer and ways SELCO can help should you choose to go down that path.

Man stands at buy-rent crossroads

Buying Your First Home: A Realistic Guide

In today’s seller’s market, buying a home has been challenging. It’s only amplified as a first-time homebuyer. We’ve put together a comprehensive guide to help you navigate the process.

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Introducing SELCO Contactless Cards

SELCO cards are going contactless. Gone are the days of swiping or inserting your Visa cards. Follow this guide to confidently tap to pay.

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What Does It Mean to Be a SELCO Member?

At SELCO, we believe everyone deserves to live a good life. Membership truly matters at SELCO, and we're dedicated to helping you achieve your good life goals.

Young couple meet with real estate agent

Getting to Know Homeowners Insurance

New to the home-buying game? One important step in the process is obtaining homeowners insurance. Know what is and isn't covered so you can enjoy your new home for years to come.

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Tips for Making Successful ACH Transfers

Automated Clearing House (ACH) transfers are a quick and convenient way to send and receive money. Check out these tips for making it a smooth process.

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Medicare 101: Your Questions Answered

Are you left scratching your head trying to figure out the inner workings of Medicare? Let us help you decipher this complex insurance so you're better prepared.

Couple admiring their new home

Making Use of Skyrocketing Home Values

While purchasing a new home in today's seller's market may be out of the question, now is a great time to take advantage of rapidly rising home values by upgrading in place.

Small boy and his grandpa

Legacy planning: Passing on the Story of You

Your legacy is much more than the material things you pass on to your heirs. Legacy planning gives you the opportunity to create a lasting gift by telling your story to future generations.

Contractors looking at plans

10 Tips for Finding the Right Contractor

If you’re planning a home-improvement project, you may need to hire a contractor. Before making your choice, follow this checklist to help find the best candidates for the job.


6 Steps to Prepare for Your (Financial) Future

It's never too early to start planning your financial future. From paying down debt to creating and following a budget, there are several ways to get prepared.

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7 Ways to Spring Clean Your Finances

Spring is a great time to take stock of your financial situation. While you're busy sprucing up your home, do a hard reset on your finances by following these helpful tips.

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Tips to Fortify Your Passwords and Usernames

We all do it: Use familiar usernames and passwords over and over, all across the internet. But check out these tips for securing your information with hard-to-guess phrases.

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One-Stop Financial Shopping

SELCO is a financial hub where you can see your full financial picture and have experts from across multiple departments help you reach all your goals—all under one roof.

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Defending Against Identity Theft and Credit Fraud

Identity theft is on the rise. There are protective measures you can follow - such as setting alerts in online banking - to prevent yourself from becoming the next victim.

Dust spelling out debt

Paying Off Debt: Snowball vs. Avalanche

Need to get out of debt? Focusing on one debt at a time, the snowball and avalanche methods start with your smallest balance and highest interest rate, respectively. Both methods are all about small wins along the way.

Vials of coronavirus vaccine

Be on the Lookout for COVID-19 Vaccine Scams

As COVID-19 vaccines continue to be distributed, scams have risen to the surface. From offers to “cut the line” to fake medical professionals, these scams have been rampant in 2021.

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How to Ensure Your Accounts Are Safe

With so much information floating around in cyberspace, it's more important than ever to set up personal firewalls. Follow these steps to ensure your accounts are safe.

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7 Visa Card Features That May Surprise You

A credit card is much more than a piece of plastic used to buy cool stuff. Credit cards offer several benefits you may not even be aware of. Here are seven.

Man on smartphone and laptop

What's New with SELCO's Digital Services?

SELCO's digital services continue to evolve with the times. Check out the latest enhancements to online and mobile banking that will help you manage your finances on the go.

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Demystifying financial terms: APR & APY

Trying to understand APR and APY can be confounding. They aren't simply interest rates but something far more complex. Let us help you figure them out.

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True or False: Money Edition

When it comes to the topic of money, it’s not always easy to tell reality from myth—even when you’re expected to be financially independent. Let’s see if you can spot the fact from the fiction.

Two people riding on a snowmobile

Recreational Vehicles for Winter Adventure Seekers

The weather may be turning colder, but that doesn't mean the adventure needs to end. If you're itching to get away, maybe it's time to go to the snow with a snowmobile, ATV, or RV.

Man with dog working a drill

Do It Yourself or Hire A Pro?

Some home-improvement projects are best left to the professionals. But for others, a little sweat equity could mean considerable savings. Let us help you make the DIY vs. The Pros decision.

Young woman smiling in car

Telematics: Technology Meeting Safe Driving

By practicing safe driving habits, you could potentially pay less for your auto insurance. Telematics-based insurance rewards safe drivers by setting premiums based on how you actually drive, not how you’re likely to drive.

Older couple speaking with their doctor

How Medicare Is Helping During COVID-19 Pandemic

As it became apparent that older Americans were the most susceptible to serious illness from COVID-19, Medicare ramped up its coverage and services. See how Medicare can help you during this crisis.

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Should I Use My Retirement Funds for COVID Relief?

Under the CARES Act, Congress relaxed rules for withdrawing funds from your retirement plan. See if this special distribution makes sense for your situation.

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3 Benefits of Using Mobile Check Deposit

Need to deposit a check and don't want to drive to your local branch or ATM? SELCO's mobile check deposit feature is convenient, secure, and simple.

Son and mother looking at laptop

6 Apps to Help Kick-Start the School Year

As your children prepare to go back to school this fall—in person or remotely—give them a head start with these organizational schoolwork and financial literacy apps.

Couple sitting on back of a truck

Is It Time to Refinance Your Auto Loan?

Did you know you can refinance a vehicle loan? Under the right circumstances, you could enjoy considerable savings by restructuring your loan.

Close-up view of SELCO mobile app

5 Reasons to Get Connected with SELCO Mobile App

The SELCO Mobile Banking app is your one-stop shop for managing your money on the go. Here are five ways our app makes your banking life easier.

Young woman being sent off to college

Your College Buying Guide

College life will start to resemble its old self this fall with the return to in-person classes. To prepare, check out our College Buying Guide for tips on what you will and won't need during what likely will be a short time on campus.

Soldier sitting with her family on front step

Understanding VA Loans

Are you a veteran looking to buy your first home or upgrade your current living situation? A VA loan is one of the more significant benefits provided by the U.S. Department of Veterans Affairs.

Wooden blocks with the word scam spelled out

Protect Yourself from Unemployment Scams

Millions of Americans have filed for unemployment benefits during the COVID-19 pandemic. All along, con artists have been waiting in the weeds. Protect yourself by following these tips.

Young man walking toward crossroads

Student Loan Relief: Keep Paying or Hit Pause?

Under the CARES Act, the student loan forbearance was extended all the way through January 31, 2022. Which way do you go? Take a break from paying or cut into the principal balance?

Man stacking coins

Loose Change Stack-Up: A Fun Game for the Kids

Teach your kids how to count change and understand the value of earning money with a fun, educational game called Loose Change Stack-Up.

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Is Now the Time to Refinance?

Current market volatility has resulted in dramatic fluctuations in mortgage interest rates. Even so, the time might be right to refinance.

Man using mobile card reader

SELCO Select Checking: Your Personal Financial Hub

SELCO Select Checking is your personal financial hub, with far more benefits than a traditional checking account.

Three generations of farmers

The Ins and Outs of Farm and Ranch Insurance

Whether you’re farming as a hobby or running a large-scale operation, farm and ranch insurance can be custom-built to fit all your needs.

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SELCO Digital Access: Secure, Quick, and Safe

It's more important than ever to take advantage of SELCO's comprehensive suite of digital tools. Create your own virtual branch by setting up online and mobile banking.

Coins, Money Bags, House

Time to Refinance to a Shorter-Term Mortgage?

Mortgage interest rates are at historic lows. If you’re able to afford a higher payment each month, refinancing to a 15-year mortgage can make good financial sense.

Woman typing on laptop

Friendly Warning: Tax Season Is 'Fraud Season'

Be on high alert for fraudulent ploys this tax season. Phishing emails, phone scams, and inflated refund claims are but a few tactics to be aware of while you’re preparing your taxes.

Woman in car with dog

Unexpected Expenses of Owning a Pet

Thinking about getting a pet? Be sure to factor in unexpected expenses of pet ownership before bringing your new best friend home.

People waiting to interview

Mentally Prepare to Ace that Job Interview

It's only natural to feel anxious before a job interview. Hopefully, you can allay some of your fears by incorporating these three mindsets into the process.

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App Update Brings Even More Mobile Banking Capabilities

SELCO's latest mobile banking app update has fresh features for everyone. Included in the new version are multi-account access, more visible routing and account numbers, mobile push notifications, and more.

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What Does It Mean to be A Credit Union Member?

Being a credit union member-owner has many benefits, not the least of which is a commitment to co-operative values. When credit unions profit, so do you.

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10-for-20: 10 Financial New Year’s Resolutions for 2020

The calendar has turned to a new year (and decade). What better time to get your "financial house" in order. Use this guide to make sound financial resolutions for 2020 and beyond.

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Buying A Home During Winter

Spring and summer may be the most popular times to buy a home, but winter can be a surprisingly hot season for house-hunters. Motivated sellers and increased negotiating power are among the many benefits.

People holding phones

P2P Payment Systems: What You Need to Know

The world of peer-to-peer (P2P) payment systems has exploded. Venmo, PayPal, and Apply Pay Cash are among the services that have made it easy and efficient to pay back friends and family from your mobile device.

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4 Myths About Your Credit Score Debunked

Understanding your credit score can be confounding. But you have more control over it than you think—your credit score is more of a track record than a snapshot.

Cute baby in Santa hat

Stay (Financially) Safe During the Holidays

Despite delays in the global supply chain, the forecast calls for retail sales to hit nearly a trillion dollars during the holiday season. All the more reason to exercise caution during the shopping frenzy.

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Have A Plan Before Natural Disasters Strike

Natural disasters such as flooding are unpredictable. What can be controlled is making sure your home and finances are in order before disasters hit.

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Estimating Your Retirement Income Needs

The simplest advice is to set your retirement income as a percentage of your current income. But that approach doesn't account for your specific plans.

Man installing solar panels

The Cost of Going Solar

Solar panels are an increasingly popular way to shrink your footprint and boost your home's efficiency. But how do you cover the upfront cost?

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Traveling Smarter and Safer

Going out of town for awhile? Kaydie shares her top 5 tips for prepping your finances for vacation. Plan ahead, stay safe, and avoid surcharges at the ATM.

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After Lengthy Decline, Certificates Rebound

CD rates are the highest they've been in a decade and SELCO’s certificates are offering some of the best returns available. See for yourself how we compare.

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Your Personal Boat Buying Guide

Owning a boat is a major commitment. Best to know what's in store before deciding what you're buying, when you're buying it, and your plan for financing.

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Signs You Might Be Living Beyond Your Means

It's easy to accrue debt these days. Steer away from the "living paycheck to paycheck" path by checking yourself for these red flags.

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The Changes Affecting Your 2019 Tax Return

The Tax Cuts and Jobs Act of 2017 goes into effect this year. What are the biggest changes and what do they mean for you and your expected return?

Couple meeting with loan officer

Looking to Consolidate Debt? Try a HELOC

Burdened by high-interest credit cards? A home equity line of credit can be a great way to consolidate debt and minimize monthly payments.

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Driving for Uber or Lyft? Make Sure You're Insured

Many insurance carriers require extra coverage for rideshare services like Uber and Lyft. Unfortunately, many drivers don’t realize it.

A couple walking into their home

Real Estate Trends to Watch for in 2019

There's no shortage of opinions about the housing market for 2019, but these three overall trends seem certain.

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5 Misconceptions about CDs

How do certificates of deposit work? Think of CDs (a.k.a., share certificates) as the "set it and forget it" approach to savings.

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Planning Your Spending for the Holidays

The average American ends the holidays with an extra $1,000 in debt. A manageable budget is the best way to keep that stressful debt from piling up.

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Generation Z and the Minefield of Online Scams

Young people's familiarity with technology—specifically, social media—can create a false sense of security when targeted by online scams.

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Fall: The Sleeper Season for Home Buying

While people don't typically associate autumn with home buying, it can be less competitive, less frantic, and more flexible than the peak seasons.

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Bridging the Insurance Gap As an Older Worker

Losing (or leaving) your job is stressful enough, but figuring out health insurance during this gap can be overwhelming. Here's a guide to your options.

Woman lounging in a chair

Is Your Home As Efficient As It Could Be?

Between drafty windows, leaky faucets, and power-hungry appliances, you might be spending hundreds more in energy each year than you need to.

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Start Saving Now for Your Child's Education

College tuition has tripled over the past 30 years. All the more reason to take advantage of savings tools (like 529 College Savings Plans) early.

Man leaning against broken-down car

Are Extended Vehicle Warranties Worth the Cost?

Is it better to purchase coverage you might not need or risk covering maintenance expenses yourself?

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What to Do About Those Annoying Robocalls

Robocalls come in many forms, and have gotten smarter about tricking you into answering. Here's how to slow them down.

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How to Pick the Right Student Loan

Student loans inevitably mean debt, but with the right choices, you can make the most of the money and minimize what you’ll have to pay back.

For sale sign in car window

Buying a Used Car Privately? Beware 'Curbstoning'

Used car sales through private sellers don't have the same protections as through a dealer. So it's important to make sure you're not misled.

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Your Personal RV Buying Guide

In terms of major life purchases, an RV lands somewhere between a car and a house. So the more you know before you buy, the smoother things will go.

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Time to Rethink Your Savings Strategy

The relative calm of a guaranteed return on investment from savings is a bit more appealing when the stock market becomes less predictable.

Father and son playing video games

A Parent's Guide to In-Game Purchases

Not all virtual purchases are equal. Understanding the differences is key to helping your kids spend responsibly.

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4 Ways to Watch Your Savings Grow

Conventional savings accounts offer the easiest access to funds but the lowest interest rates. Don't overlook these alternatives.

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Tricks to Selling Your Home Quickly

Nobody ever wants to drag out the process of home selling. Here are a few tips from our mortgage team on getting it done ASAP.

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What Will 2018 Mean for Me Financially?

From changes in the tax code to the state of the housing market, 2018 brings with it a series of financial questions that have yet to be answered.

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Legit Ways to Make Extra Money Online

Searching for "how to earn money online" generates something like 217,000,000 results, but if you look closely they all fit into three basic categories.

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Is My Insurance Enough When Disaster Strikes?

Natural disasters common to the Pacific Northwest, like flooding or fallen trees, aren't always covered by your default insurance policy.

Couple cleaning garage

Hitting the Reset Button in Spring

Now that the days are getting longer, put that extra daylight to use to declutter your home and make sure it's safe. Here's where to start.

Man with dog in truck

What Does Value Mean When It Comes to Banking

In this year like no other, people are looking for value around every corner. There’s a lot to be said for the value of a local relationship. How does SELCO provide this?

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The Financial Mistakes of Our 20s and 30s

The future has a habit of sneaking up on you. Keep an eye out for these all too common—but avoidable—financial miscalculations.

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The Trick to Faster Mobile Deposits

Do your mobile deposits keep getting held up for "review"? Here are some tricks to make sure your money shows up in your account right away.

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How Students Can Keep Money in Their Pockets

In the moment, it can be hard to tell the difference between what you need and what you want. That's the beauty of having a budget to fall back on.

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Popular Holiday Scams (And How to Avoid Them)

It’s natural to let your security slip a little when spending a lot. That's why scammers step up their game during the holidays.

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Switching From Your Bank As Easy As 1 ... 2 ... 3 ... 4

Switching from a bank to a credit union is surprisingly easy, and can often be completed in just minutes.

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Be Aware of Free Trial Offers

Be careful not to confuse being caught unaware with fraud if there's an unexpected charge on your account.

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Swimming Clear of Phishing Scams

Scammers aren't going away anytime soon, even if their methods change with the times. Here are a few tips for avoiding their hooks.

Woman using credit card online

Tips to Control Holiday Spending

’Tis nearly the season to spend more money than you normally do. Here are a few tips for stretching your budget.

Woman walking with daughter

7 Life Insurance Misconceptions

Don't be fooled by these common myths and misunderstandings about life insurance.

young man in front of apartment building

Renting As a College Student

Be careful when getting your first off-campus apartment with friends. There are some key questions you need to ask and precautions you need to take.

Man looking at tablet

5 Things You Probably Have Wrong About Credit Unions

Credit unions provide the same services as banks, but these myths sometimes make people miss out on lower rates and local service.

couple sitting back to back

Couples' Therapy: Investing Together

You like to take risks when investing. Your partner would rather play it safe. So where do you go from here?

Couple resting during remodeling

Consider Your Options Before Taking on Home Improvements

Home equity can be a useful resource for home improvements, but make sure the value added by the project is worth the cost.

keys on a pile of cash

Why Auto Insurance Rates Are Changing

Over the past five years, the auto insurance industry has seen a slow but steady increase in cost. What's causing it?

stressed-looking man on the couch

Payment Protection: Insurance against Financial Hardship

Payment Protection is the simplest safeguard for your loans in the event of a life-altering change.

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What is GAP Coverage?

If your car is stolen or totaled, your insurance settlement won't always cover the amount you still owe. GAP coverage waives the rest.

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7 Savvy Ways to Spend Your Tax Refund

In the late 1960s, Stanford University conducted a now-classic psychology study called the Marshmallow Test ...

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Plan for Retirement ... Especially in Your 20s

The sooner you get into the habit of saving for retirement, the more time your money has to grow.

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How Do Mobile Wallets Work?

For those of us who aren't early adopters, what's so special about mobile wallets?

An outline of a car with a question mark

Car Buying Basics

Car buyers have a TON to keep in mind. That's why we've narrowed it down to the fundamentals.

Exchanging info by a fender bender

The 8 Things to Do Right After a Car Accident

No matter how minor or severe, there's a universal checklist for how to best ensure everyone’s safety and contact the people who need to know.

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Umbrella Insurance Can Keep You From Getting Soaked by a Lawsuit

Excess liability coverage isn’t just for the super-wealthy! Learn how this extra protection can keep your finances secure if you’re found liable for damages.

A folder labeled "Debt', remarked as 'Savings"

Make Debt Work for You

Responsibly managing debt is one of the most valuable processes in building your financial identity.

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The 3 Signs You're Ready to Buy Your First Home

Owning a home may be more attainable than you think. Here's how to tell when it's time to start hunting.

Two girls talking over coffee

10 Tips to Help Your Children Understand the Value of a Dollar

Talking to your kids about money can be difficult. Here are suggestions on how to get the discussion started.


Credit 101

Discover how your credit score is calculated, plus helpful tips on achieving excellent credit, paying down credit card debt, and more!


Take Advantage of Shared Branches and ATMs

Take SELCO with you, wherever you go, with the CO-OP Shared Bralench network.