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Introducing High-Yield Savings with Cultivate

Earn 5.00% annual percentage yield up to $1,000, then 3.50% APY on balances up to $50,000. And with Cultivate, you'll have two ways to bump your rate, up to 0.50% APY more.

SELCO mobile app showing credit score monitoring.

Everything You Need in One Convenient App

From everyday banking to managing your credit score, you'll find everything you need in our convenient digital banking app. You'll also find tools to help you manage your spending, set savings goals, and manage your cards.

Certificates

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

Car Loans

as low as 5.99 % New APR 6.74 % 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.

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Business banking made easy

Securely manage your business accounts from any device: Add users and manage access, set spending limits and alerts, send and track payments online, and much more.

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Consolidate debt with a home-equity loan

Need a cost-effective way to rein in debt? Use your home's equity to consolidate your credit card and other high-interest debt into one loan. Right now, you can get 6.00% APR for six years when you convert part or all of your HELOC to a fixed loan.

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Link: A digital rewards account that pays you back

We have a comprehensive suite of checking accounts—even if you want to go fully digital. Link Digital Checking features round-up savings matches, overdraft protection, free financial coaching, and more.

Annual report 2024

A look back at 2024

SELCO has served our members and communities without interruption for nearly 90 years. Here's a snapshot of all the ways we forged ahead in 2024 with our mission to improve our members' social and economic position.

Financial tips and tools

Woman laying on her bed looking at her credit card and laptop.

When to Use (And Not Use) a Credit Card

When used responsibly, a credit card can be a useful tool for helping reach your financial goals. Here are examples of ways to put a credit card to good use, as well as instances when using a different form of payment (or avoiding a purchase altogether) is the better option.