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SELCO Community Credit Union

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SELCO Community Credit Union Rates & Review November 2026

Q: What are the current interest rates at SELCO Community Credit Union?

Current rates for SELCO Community Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.35%, Savings: 5.00%, MMA: 1.50%

Q: What CD terms does SELCO Community Credit Union offer?

SELCO Community Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.30% APY for a 4 year CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SELCO Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

SELCO Community Credit Union's 5 years CD - Five Years rates are at 3.35%, 4 years CD - Four Years rates are at 3.30%, CD - 18 month rates are at 3.25%, CD - 6 month rates are at 3.25%, 1 year CD - One Year rates are at 3.25%. SELCO Community Credit Union's savings rates are at 5.00%. SELCO Community Credit Union's money market rates are at 1.50%. SELCO Community Credit Union's checking rates are as high as 0.35%. SELCO Community Credit Union's 15 Year Fixed (Conforming) rates are at 6.62%, Current Mortgage - 30 Year VA Loan rates are at 6.62%, 30 Year VA Manufactured Home Loan rates are at 6.75%, 30 Year FHA Loan rates are at 6.50%, 30 Year Fixed Conventional rates are at 7.25%. SELCO Community Credit Union's Auto Loan Rates are as low as 5.24%. SELCO Community Credit Union's Credit Card Rates are at 10.75%. SELCO Community Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SELCO Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates last updated and verified on 10/29/2026.

SELCO Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SELCO Community Credit Union? Share your experience about SELCO Community Credit Union by leaving a review below, or read customer reviews before you decide to use SELCO Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SELCO Community Credit Union
Corporate Headquarters

110 International Way
Springfield, OR 97477

https://www.selco.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SELCO Community Credit Union CD Rates

Product	Rate	APY	Term
5 years Certificate - Five Years	3.309%	3.35%	5 years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
4 years Certificate - Four Years	3.26%	3.30%	4 years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Certificate - 18 month	3.211%	3.25%	18 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15% Oct 29, 20263.25%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Certificate - 6 month	3.211%	3.25%	6 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15% Oct 29, 20263.25%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
1 year Certificate - One Year	3.211%	3.25%	1 year
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
3 years Certificate - Three Years	3.211%	3.25%	3 years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
2 years Certificate - Two Years	3.211%	3.25%	2 years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Savings Rates

Product	Rate	APY
Cultivate High-Yield Savings	5.00%	5.00%
Min Balance $0 Details Balance: $0 - $999.99; Minimum Required Balance: Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	5.00%	5.00%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $499.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Cultivate High-Yield Savings	3.10%	3.10%
Min Balance $1,000 Details Balance: $1,000 - $49,999.99; Minimum Required Balance: Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	3.00%	3.00%
Min Deposit $5 Min Balance $500 Details Balance: $500 - $999.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History 2 changes since Sep 22, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 5.00% / low 3.00% Oct 13, 20263.00%▼ from 5.00% Sep 29, 20265.00%▲ from 3.00% Sep 22, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	-	3.00%
Min Deposit $5 Details Balance: $500.01 - $1,000.00; Your next $500 earns 3% APY; Accounts insured up to $250,000 by NCUA; Enrollment requires age 17 or younger and residence or work in SELCO's Oregon or Washington counties; guardian required for members under 18 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Cultivate High-Yield Savings	1.50%	1.50%
Min Balance $50,000 Details Balance: $50,000 and over; Minimum Required Balance: Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 +; Daily balance method; No setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Membership Savings / Simple Savings	0.50%	0.50%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 and over; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	0.50%	0.50%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 and over; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Daily balance method; No setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Membership Savings / Simple Savings	0.30%	0.30%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	0.30%	0.30%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Health Savings Account (HSA)	0.20%	0.20%
Min Balance $500 Details Balance: $500 - $2,499.99; Daily balance method; No setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Membership Savings / Simple Savings	0.20%	0.20%
Min Deposit $5 Min Balance $500 Details Balance: $500 - $2,499.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	0.20%	0.20%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 - $2,499.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History 2 changes since Sep 22, 2026 · 5.00% → 0.20% ▼ 4.80 pts · high 5.00% / low 0.20% Oct 13, 20260.20%▼ from 3.00% Sep 29, 20263.00%▼ from 5.00% Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Health Savings Account (HSA)	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $499.99; Daily balance method; No setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Membership Savings / Simple Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $499.99; Minimum Required Balance: $5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Business Savings Rates

Product	Rate	APY
Business Savings / Business Membership Savings	0.50%	0.50%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 +; Accounts do not earn dividends when balance is below $500; Business Membership Savings must maintain $5 balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings / Business Membership Savings	0.30%	0.30%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Accounts do not earn dividends when balance is below $500; Business Membership Savings must maintain $5 balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings / Business Membership Savings	0.20%	0.20%
Min Deposit $100 Min Balance $500 Details Balance: $500 - $2,499.99; Accounts do not earn dividends when balance is below $500; Business Membership Savings must maintain $5 balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.50%	1.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 and over; Minimum Required Balance: Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0-$999.99; Minimum Required Balance: Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.24%	1.25%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 +; $6 per month or no fee if daily balance is $1,000+ or average monthly balance is $2,000+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Market Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0-$999.99; $6 per month or no fee if daily balance is $1,000+ or average monthly balance is $2,000+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Checking Rates

Product	Rate	APY
Select Checking with Interest Upgrade	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 +; Daily balance method; $5 monthly service charge if balance drops below $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Select Checking with Interest Upgrade	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Daily balance method; $5 monthly service charge if balance drops below $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Select Checking with Interest Upgrade	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $2,499.99; Daily balance method; $5 monthly service charge if balance drops below $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Account	0.30%	0.30%
Min Deposit $100 Details $4 per month or no fee if daily balance is $500+ or average monthly balance is $1,500+; write up to 100 drafts per month and up to 100 items per month ($0.15 per item thereafter) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Checking Plus Account	0.30%	0.30%
Min Deposit $100 Details $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; write up to 500 drafts per month and up to 500 items per month ($0.15 per item thereafter) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed (Conforming)	6.625%	-	6.799%	15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Current Mortgage - 30 Year VA Loan	6.625%	-	6.987%	30 years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.05% → 6.99% ▼ 0.06 pts · high 7.05% / low 6.99% Oct 26, 20266.99%▼ from 7.05% Oct 9, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Year VA Manufactured Home Loan	6.75%	-	7.146%	30 years
Details No homes on rented land Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Year FHA Loan	6.50%	-	7.273%	30 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Year Fixed Conventional	7.25%	-	7.363%	30 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Year FHA Manufactured Home Loan	6.75%	-	7.527%	30 years
Details No homes on rented land Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Year Conventional Manufactured Home Loan	7.50%	-	7.615%	30 years
Details No homes on rented land Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Conversion - Fixed Rate Conversion Option, 5 Years	-	-	4.50%	5 Years
Details As Low As; promotional rate for converting home equity line of credit balance (minimum $5,000) to fixed home equity loan; new HELOC opened on or after April 15, 2026 or existing HELOC members; promotional period begins April 15, 2026, may end at any time; not applicable on investment properties; standard terms and fees apply; APR based on credit qualifications, term, lien position and loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Home Equity Conversion - Fixed Rate Conversion Option, 10 Years	-	-	5.99%	10 Years
Details As Low As; promotional rate for converting home equity line of credit balance (minimum $5,000) to fixed home equity loan; new HELOC opened on or after April 15, 2026 or existing HELOC members; promotional period begins April 15, 2026, may end at any time; not applicable on investment properties; standard terms and fees apply; APR based on credit qualifications, term, lien position and loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Home Equity Combination Line-of-Credit	-	-	6.75%
Details APR range: 6.75% - 12.00%; SELCO pays all third party costs excluding title insurance and appraisal; draw period 5-15 years; repayment period 15 years; no loan fee Last Updated 10/29/2026 Rate History No change since Oct 2, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	-	-	5.24%
Details As Low As; New APR; See Auto Rates and Terms Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Used Auto Loan	-	-	6.49%
Details Used APR; See Auto Rates and Terms Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Recreational Vehicle Loan (New and Used)	-	7.49%
Details APR range: 7.49% - 22.14%; Fixed APR; recreational vehicles include motorcycles, snowmobiles, ATVs, personal watercraft, motorhomes, travel trailers, fifth wheels, van conversions, and campers; maximum repayment period based on amount borrowed and collateral; not for use as primary dwelling; approved APR 0.50% higher without automatic payments and continuous eStatement enrollment Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Boat Loan (New and Used)	-	8.15%
Details APR range: 8.15% - 22.14%; Fixed APR; maximum repayment period based on amount borrowed; boats may not be used as a primary dwelling; approved APR 0.50% higher without automatic payments and continuous eStatement enrollment Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 8.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	10.75%
Details As Low As; See Credit Card Rates and Terms Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

SELCO Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30 Year USDA Rural Home Purchase Loan	6.75%	-	7.129%	30 years
Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	0.30%	-	0.30%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $2,499.99; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	0.40%	-	0.40%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	1.24%	-	1.25%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	1.69%	-	1.70%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	2.18%	-	2.20%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $1,499,999.99; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Money Max Account	2.18%	-	2.20%
Min Deposit $100 Min Balance $1,500,000 Details Balance: $1,500,000 +; $8 per month or no fee if daily balance is $2,500+ or average monthly balance is $3,500+; limit of 6 pre-authorized transfers per month Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Investor Plus	1.20%	-	1.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Minimum Required Balance: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Investor Plus	1.95%	-	1.95%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $249,999; Minimum Required Balance: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Investor Plus	2.20%	-	2.20%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 and over; Minimum Required Balance: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
IRA (Individual Retirement Account)	1.00%	-	1.00%
Min Balance $0 Details Balance: $0 +; Daily balance method; Traditional, Roth, or SEP; no setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Premium IRA	0.95%	-	0.95%
Min Deposit $10,000 Min Balance $0 Details Balance: $0 - $9,999.99; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Premium IRA	1.19%	-	1.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Premium IRA	1.93%	-	1.95%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $249,999; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Premium IRA	2.18%	-	2.20%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 +; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Vault Youth Savings	-	-	5.00%
Min Deposit $5 Details Balance: $0.00 - $500.00; Earn 5% APY on your first $500; Accounts insured up to $250,000 by NCUA; Enrollment requires age 17 or younger and residence or work in SELCO's Oregon or Washington counties; guardian required for members under 18 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

SELCO Community Credit Union’s Texas Ratio fell from 2.63% in Q3 2023 to 1.92% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.0B	1.92%	5.0	A+
March 31, 2026	$3.0B	2.42%	5.0	A+
December 31, 2025	$2.9B	2.56%	5.0	A+
September 30, 2025	$2.9B	3.18%	5.0	A+
June 30, 2025	$2.8B	3.40%	5.0	A+
March 31, 2025	$2.8B	3.66%	5.0	A+
December 31, 2024	$2.8B	2.86%	5.0	A+
September 30, 2024	$2.8B	2.50%	5.0	A+
June 30, 2024	$2.8B	2.75%	5.0	A+
March 31, 2024	$2.8B	3.14%	5.0	A+
December 31, 2023	$2.7B	3.19%	5.0	A+
September 30, 2023	$2.8B	2.63%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SELCO Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SELCO Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SELCO Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SELCO Community Credit Union

Website https://www.selco.org

Address 110 International Way, Springfield, OR 97477

Phone 541-686-8000

Fax 541-341-1804

President Tony Saxman

CEO Bob Newcomb

Full-Time Employees 472

Part-Time Employees 14

Branch Locations 15

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.92%

Return on Assets (ROA)

0.4726%

Return on Equity (ROE)

3.9615%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

3,006,504,811

Total Amount of Shares and Deposits

2,646,909,023

Total Shares and Deposits < 1 Year

2,562,128,619

Total Shares and Deposits 1 3 Years

50,409,425

Total Shares and Deposits > 3 Years

34,370,980

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

127,753,428

Total Uninsured Shares and Deposits > $250K (F+J)

127,753,428

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,519,155,595

Total Interest Expense (Sum of items 6 8)

23,207,414

Share Certificates

15,167

Number of Accounts for Share Drafts

91,091

IRA KEOGH Accounts

4,650

Number of Accounts for Regular Shares

197,772

All other shares

2,367

Money Market Shares

19,540

Net Income (unless the amount is already included in Undivided Earnings)

14,209,714

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

337,845,215

Total Liabilities

2,679,591,191

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SELCO Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SELCO Community Credit Union

Does SELCO Community Credit Union offer CDs?

Yes. SELCO Community Credit Union current CD rates include its 5 years CD - Five Years at 3.35% APY, its 4 years CD - Four Years at 3.30% APY and its CD - 18 month at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from SELCO Community Credit Union NCUA insured?

Yes. SELCO Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at SELCO Community Credit Union?

The highest SELCO Community Credit Union CD rate is its 5 years CD - Five Years at 3.35% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does SELCO Community Credit Union offer?

SELCO Community Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.30% APY for a 4 year CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SELCO Community Credit Union for its full lineup.

What is the highest savings rate at SELCO Community Credit Union?

The highest SELCO Community Credit Union savings rate is its Cultivate High-Yield Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at SELCO Community Credit Union?

The highest SELCO Community Credit Union money market rate is its Money Market at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at SELCO Community Credit Union?

The highest SELCO Community Credit Union checking rate is its Select Checking with Interest Upgrade at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at SELCO Community Credit Union?

The lowest SELCO Community Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Conventional at 7.25%, verified by MonitorBankRates as of October 29, 2026. SELCO Community Credit Union mortgage rates are 7.25% for a 30 year mortgage and 6.625% for a 15 year mortgage.

What is the lowest auto loan rate at SELCO Community Credit Union?

The lowest SELCO Community Credit Union auto loan rate is its New Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at SELCO Community Credit Union?

The lowest SELCO Community Credit Union credit card APR is its Credit Card at 10.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does SELCO Community Credit Union operate?

SELCO Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SELCO Community Credit Union?

Yes, to access services at SELCO Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SELCO Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SELCO Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SELCO Community Credit Union offer online and mobile banking?

Most modern institutions like SELCO Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.selco.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do SELCO Community Credit Union rates compare?

SELCO Community Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. SELCO Community Credit Union's top rates are its 5 years CD - Five Years at 3.35% APY, its Cultivate High-Yield Savings at 5.00% APY, its Money Market at 1.50% APY, its Select Checking with Interest Upgrade at 0.35% APY, its 30 Year FHA Loan at 6.50%, its New Auto Loan at 5.24% APR and its Credit Card at 10.75% APR, verified by MonitorBankRates on October 29, 2026.

Current SELCO Community Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.35%
Savings5.00%
MMA1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SELCO Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SELCO Community Credit Union Texas Ratio

SELCO Community Credit Union Health Trend

SELCO Community Credit Union CD Rates

SELCO Community Credit Union Savings Rates

SELCO Community Credit Union Business Savings Rates

SELCO Community Credit Union Money Market Rates

SELCO Community Credit Union Business Money Market Rates

SELCO Community Credit Union Checking Rates

SELCO Community Credit Union Business Checking Rates

SELCO Community Credit Union Mortgage Rates

SELCO Community Credit Union Home Equity & HELOC

SELCO Community Credit Union Auto Loan Rates

SELCO Community Credit Union RV, Boat and Powersport Loan Rates

SELCO Community Credit Union Credit Card Rates

SELCO Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SELCO Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SELCO Community Credit Union

Does SELCO Community Credit Union offer CDs?

Are CDs from SELCO Community Credit Union NCUA insured?

What is the highest CD rate at SELCO Community Credit Union?

What CD terms does SELCO Community Credit Union offer?

What is the highest savings rate at SELCO Community Credit Union?

What is the highest money market rate at SELCO Community Credit Union?

What is the highest checking rate at SELCO Community Credit Union?

What is the lowest 30 year fixed mortgage rate at SELCO Community Credit Union?

What is the lowest auto loan rate at SELCO Community Credit Union?

What is the lowest credit card APR at SELCO Community Credit Union?

How many branches does SELCO Community Credit Union operate?

Is a member application needed to join SELCO Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SELCO Community Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do SELCO Community Credit Union rates compare?

Current SELCO Community Credit Union Rates

Compare to Other Credit Unions