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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 will look much different this fall. 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 stimulus package, a six-month student loan forbearance was instituted. Which way do you go? Take a break from paying or cut into the principal balance?

Paper cutout of a family

Getting Through the Tough Times Together

If your personal income or normal business operations have been disrupted by the pandemic, SELCO has programs in place, and specialists at the ready, to help you navigate the situation.

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.

Couple signing documents

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.

Taking picture of check

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.

Stylish woman on phone

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.

Credit score

Breakdown of a credit score

You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them?

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.

Woman looking at a tablet

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.

Girl playing in a park

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.

Coffee mug with word begin

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.

Home with for sale sign in winter

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.

Animated girl playing with dog

Paying For Pets: Is It Affordable?

Are you considering getting a pet this year? There are many expenses that come with owning a pet, such as basic care needs, first-year expenses, vet visits, and pet care services.

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.

Sign with good words good credit

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.

Person using mobile pay from phone

Stay (Financially) Safe During the Holidays

The forecast calls for retail sales to hit nearly three-quarters of a trillion dollars during the holiday season. All the more reason to exercise caution during the shopping frenzy.

Person in Boots Standing in a Puddle

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.

A hand writing in a ledger

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.

Two men 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?

A beautiful sunset

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.

A couple sharing a bike

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.

A boat on a lake at sunset

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.

Mountain of debt

3 Ways to Escape a Mountain of Debt

Found yourself trapped on a growing stack of unpaid bills? Here are three different strategies for managing debt and finally becoming debt-free.

Hands counting money

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.

An older man looking over his glasses at a form

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.

A man driving and holding a smartphone

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 cartoon frog depositing change

The Trick to Saving: Pay Yourself First

Don't fill your savings account with whatever's left over. If you set aside a fixed amount each paycheck, your balance will grow faster than you realize.

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.

Backpacking dude

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.

Jen sitting next to her credit card

Working on Your Relationship with Your Credit Card

Jen's dragged to couple's therapy by her credit card, which is at its limit. Literally.

Woman drinking coffee on a cold day

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.

Young woman illuminated by laptop

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.

Family walking in front of house in fall

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.

Man shaking hands

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.

Animated badger looking like scam artist

The Many Schemes of Scam Artists

From unexpected winnings to fake charities, this anthropomorphic inspector breaks down the increasingly complex ways fraudsters collect financial information.

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.

Mother holding baby

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?

Toy robot holding phone receiver

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.

Girl in class taking test

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.

Animated car dealer

Car Dealership Due Diligence

There's more to used car shopping than picking whatever's newest and cheapest. These basics cover the research worth doing before you head to the dealer.

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.

Various RVs lined up

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.

Animated park guide

What Should You Do After Graduating High School?

The big decision for all high school graduates is between college and starting work. How do you make that choice?

Dad with children at kitchen island

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.

Animated lunch lady

Which Student Loan Is Right for You?

FAFSA will be due soon. If you're considering applying for a student loan, you have a full menu to choose from. How can you tell what's what?

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.

Animated woman holding resume

The 4 Tricks to Nailing a Job Interview

Jen's on her way to interview for a job at the Candy Museum, when she's stopped by a coin-operated unicorn with a penchant for giving a good first impression.

Two jars full of coins

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.

Real estate agent next to Sold sign

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.

Man walking on a path

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.

A virtual assistant's search results

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.

Animated picture of tree damaging house

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.

Animated man with glasses

When to Keep and When to Toss Receipts

Are you dumping your receipts into the first trash can you see? Or are you keeping EVERYTHING just in case you ever need to prove you bought that donut?

Man with dog in truck

What Does Value Mean When It Comes to Banking

Value can only truly come from a relationship that is itself valued. How does SELCO provide value? Let's count the ways...

Animated old woman with ticket stub and coins

Why Five Bucks Doesn't Buy What It Used To

Ever notice a sign for 30 cent per gallon gas in the background of an old movie? Inflation changes value over time, but not always at the same rate.

Men and women slapping their foreheads

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.

Animated car driving on road

Before You Sign Your Auto Loan...

Financing a new or used car can be complex. Make sure you know all your options and have a clear understanding of what lies ahead.

Photo of a hand taking a picture of a check

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.

Jen lifting weights

Everybody Needs an Emergency Fund (Yes, You Too)

When you're healthy and insured, it's hard to imagine you'd ever need an emergency fund. But that thinking can get you into hot water.

Two girls studying

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.

Girl with fake Santa

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.

Animated scientist

4 Things That Predict How Much Money You Make

Deciding the perfect job is tough. After all, how many successful careers today didn't even exist when you were in school?

Numbers on kids blocks

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.

A mousetrap labeled Free of Charge

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.

A baby turtle explaining math

How Long Does It Take to Double an Investment?

The exact math behind long-term investment growth can get pretty complicated. Luckily, there’s a shortcut to making a pretty good estimate.

Goldfish swimming

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.

Animated girl weighing financial decisions

Don't Feel Guilty About Your Financial Decisions

Spending money isn't exactly "good," but it's not necessarily "bad" either. It's up to you to set your goals and be responsible with what you earn.

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.

A cartoon hermit crab

Which Mortgage Type Is Best for You?

Jen assumes the best mortgage should be the one with the lowest rate. Turns out it's not quite that simple.

Young woman standing in credit union branch

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.

credit squirrel

How Can I Boost My Credit Score?

Jen's in desperate need of some advice on getting (and keeping) a better credit score. So she turns to her old friend Credit Squirrel.

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.

cartoon astronaut

Is It Better to Lease or Finance Your Car?

A guide to your financing options when car shopping.

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.

GAP animation

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.

a kid with glasses and a handful of cash

7 Savvy Ways to Spend Your Tax Refund

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

A squirrel in an adorable little green visor

What Goes Into a Credit Score?

Your credit score has a huge impact on your financial life, but how is it calculated?

2 young women walking in a field

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.

a fortune teller

You Don't Have to See the Future to Budget for It

The budget fortune teller can't really see the future, except for the need for savings and an emergency fund.

A cartoon hand holding a smartphone

How Do Mobile Wallets Work?

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

A talking cartoon credit card

Is It Better to Pay with Credit or Debit Cards?

When all your cards are clamoring to be swiped, which one should you choose?

a cartoon agent in aviators

7 Ways to Stop Identity Theft Before It Starts

Luckily, the best protection is just a matter of small changes to everyday habits.

Jen with a fancy handbag, hat, and shutter shades

What's Your Money Personality?

Ah, clickbait personality quizzes. They're a procrastinators' greatest weakness.

A cat with a broken leg

How Insurance Works

The surprisingly interesting ins and outs of insurance. And that retro animation is pretty sharp, right?

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.

A gavel striking cash

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.

A dangling keychain shaped like a house

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.

A cartoon checkout clerk at a grocery store

How to Save on Groceries Without Settling for Less

A slightly passive aggressive lesson in smarter shopping.

Piggy bank

The Financial Bachelorette

Will our contestant chose the approachable credit union, the overbearing bank, or the eerily taciturn piggy bank?

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.