Education Articles

5 Steps to Getting a Small Business Loan

If it’s time for your startup to start going up, a small-business loan may just be what you need. The process of applying for a small-business loan can be confusing, but we’re here to help guide you through the process. Below are five manageable steps to securing funding for your business needs—whether that’s for expansion or handling the...

Crypto May Be Hot, But These Investment Options Are Safer

More than 65 million Americans own some form of cryptocurrency. As of May 2025, more than 55 million Americans own some form of cryptocurrency . With Bitcoin leading the way, the  global market capitalization of crypto is hovering around $4 trillion. El Salvador became the first country to  adopt Bitcoin as legal tender in 2021. That same year,...

This Fall, Don’t Fall: Passwords and Phishing and Romance, Oh My!

Cybersecurity Awareness Month is a fantastic time to review a few long-standing threats to the safety of your personal and financial information online. Let’s get started! The perils of repurposing passwords Passwords are now used to protect access to an unprecedented number of websites. The average person uses between 80 to 100 passwords; reusi...

SELCO Digital Access: Secure, Quick, and Simple

Now's the time to take advantage of SELCO Digital Banking. SELCO offers numerous user-friendly, one-stop-shop tools for securely managing your accounts without leaving the house. In fact, our online and mobile resources are like a virtual branch—you can do most everything online that you’re accustomed to at a branch. It's more important than eve...

5 Misconceptions About CDs

A certificate of deposit (CD), similar to a certificate at credit unions, is a safe way to invest money for a fixed period of time at a specified interest rate. There’s a lot CDs have to offer (and not only for those with money to burn). Interest rates have been on the rise as of late, so there’s no time like now to consider this investment...

Planning Your Spending for the Holidays

The holiday season may be joyous for most, but it is still a stressful time for many of us. To no one’s surprise, much of the anxiety is caused by the sheer expense of the holidays. Gift-giving, entertaining, attending celebrations, decorating the house in cheer, and traveling to spend the season with family and friends all make the season...

Generation Z and the Minefield of Online Scams

Today's teens and young adults are popular targets for online scams A woman meets someone on a popular mobile app, and the two forge a relationship through online chat rooms. Soon, she’s transferring a few hundred dollars to help him “get by,” then a few thousand, ultimately being scammed out of more than $35,000 by a criminal suspected of fundi...

Fall: The Sleeper Season for Home Buying

The real estate market is typically a frenzy of activity from April to September. The weather is ideal for sellers to put their homes up for sale and buyers to look at them. Families tend to relocate during the summer months as they change jobs while getting their children settled before the upcoming fall school term. That’s what happens in a...

Bridging the Insurance Gap as an Older Worker

Losing your job is never an enjoyable experience. It’s especially challenging for  older workers approaching retirement age . Not only has the job market become increasingly competitive, but finding health insurance after being displaced can add another element of stress. Fortunately, there are options for securing what, hopefully, will only be ...

Affordable Sustainability, Part 3: Making Your Home More Efficient

Is your home as efficient as it could be? Drafty windows. Leaky faucets. Inefficient light bulbs. Energy-sapping appliances and electronics. Just a few causes of decreased energy efficiency and higher utility bills. But by exercising a little due diligence, those problems can be tempered significantly. Making your home more efficient can seem li...