Personal Savings Accounts

Our savings accounts offer more than security – they also pay competitive dividends. Whatever your needs, we offer accounts that grow along with you.

Individual and Joint Savings Accounts

The more you save the more you earn. And when you're ready to use your money, you'll never be hit with a fee for withdrawing it.

  • Individual accounts cost just $10 to open: $5 one-time membership fee, plus a $5 share in the credit union (refunded if you close your account).
  • A joint account holder may be included or added at no additional cost.
  • Earn quarterly dividends on balances over $500.
  • No withdrawal penalty.
  • No minimum balance if you also have a checking account, money market account, certificate, IRA, or loan (otherwise, $100 minimum balance to avoid fees).
  • Savings accounts insured for up to $250,000 by the National Credit Union Share Insurance Fund.
  • Account access through online bankingphone banking, mobile banking, and our mobile apps.
  • SELCO Visa® debit card.
More info Become a member See savings rates


Our high-yield certificates ensure your earnings over time, with fixed rates and terms ranging from six months to seven years. Not only are rates guaranteed for the certificate term, if we raise rates within 30 days of opening a certificate with us, we’ll increase your rate to match—that’s our rate guarantee.

Learn more Certificate calculator See applicable rates See IRA certificate rates

Money Market Accounts

Put your money to work. A SELCO Money Market Account gives you higher returns than a traditional savings account, and you can access your money anytime.

  • Earn higher dividends than a Share Savings with a balance of $1,000.
  • No penalty if your balance dips below $1,000 (some restrictions apply).
  • Savings accounts insured for up to $250,000 by the National Credit Union Share Insurance Fund.
More info See savings rates

Health Savings Accounts (HSAs)

Make important decisions about how your medical expenses are paid. Like an IRA, you set aside money to pay for current or future medical expenses not covered by your health insurance, all on a tax-free basis.

Learn more See savings rates

Teen Savings Accounts

Whether you're saving to buy a car, go to college, or move into your first home away from home, we'd like to help. A Vault Savings Account will also give you access to other financial tools, like a checking account, Visa® debit card, or college savings certificate.

Learn more See savings rates

Kids' Club Savings Accounts

Our Safari Savers Account, for members 12 and under, promote positive savings habits. Kids get an official membership ID card, a punch card to track deposits, and a prize each time their card is filled.

Learn more See savings rates

Investor Accounts

Save more, earn more. Our investor accounts offer higher dividends than any other savings account, which means the higher your balance, the better your interest rate. And you can access your money when you need it.

  • Investor Account
    • $10,000 minimum deposit to open.
    • Tiered dividends.
    • Make up to three withdrawals of $500 or more per month, penalty-free.
  • Investor Account Plus
    • $75,000 minimum deposit to open.
    • Tiered dividends.
    • Make up to three withdrawals of $500 or more per month, penalty-free.
    • Access to SELCO Select Checking Account with beginning balance of $5,000. (Balances below $5,000 receive an $8 per month fee.)

Note: Investor accounts cannot be used as overdraft protection on checking accounts. Accounts closed within the first 90 days will incur a $50 penalty.

More info See savings rates

Individual Retirement Accounts

Make a plan. Then make the right financial choices to see your plan through. Our CFS Financial Advisors* at SELCO Investment & Retirement Services can help. We offer Traditional IRAs, Roth IRAs, 401(k) Plan Accounts, and more.

* Nondeposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Nondeposit investment products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. SELCO Community Credit Union has contracted with CFS to make nondeposit investment products and services available to credit union members.

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