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SELCO Community Credit Union Rates & Review April 2026

SELCO Community Credit Union's Seven Years CD Reward Tier 2 rates are at 3.90%, Five Years CD Reward Tier 2 rates are at 3.75%, Four Years CD Reward Tier 2 rates are at 3.70%, 5 CD rates are at 3.65%, Seven Years CD Reward Tier 1 rates are at 3.65%. SELCO Community Credit Union's savings rates are at 0.10%. SELCO Community Credit Union's money market rates are at 0.05%. SELCO Community Credit Union's 30 Year VA rates are at 5.88%, 15 Year Fixed (Conforming) rates are at 6.00%, 30 Year VA Manufactured Home (no homes on rented land) rates are at 6.12%, 30 Year FHA rates are at 5.75%, 30 Year Fixed Conventional rates are at 6.62%. SELCO Community Credit Union's Personal Loan Rates are at 5.24%. 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 3.37%. Rates were last updated on 04/19/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.37%
Excellent Lower than avg
SELCO Community Credit Union
Corporate Headquarters
110 International Way
Springfield, OR 97477
https://www.selco.org
Member NCUA

SELCO Community Credit Union CD Rates

Product Rate APY Term View More
Seven Years Certificate Reward Tier 2 3.84% 3.90% Seven Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Five Years Certificate Reward Tier 2 3.70% 3.75% Five Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Four Years Certificate Reward Tier 2 3.65% 3.70% Four Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
5 Certificate - 3.65% 5
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Seven Years Certificate Reward Tier 1 3.60% 3.65% Seven Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Three Years Certificate Reward Tier 2 3.60% 3.65% Three Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
18 month Certificate Reward Tier 2 3.55% 3.60% 18 Months
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Two Years Certificate Reward Tier 2 3.55% 3.60% Two Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
6 month Certificate Reward Tier 2 3.46% 3.50% 6 Months
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Five Years Certificate Reward Tier 1 3.46% 3.50% Five Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
One Year Certificate Reward Tier 2 3.46% 3.50% One Year
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Four Years Certificate Reward Tier 1 3.41% 3.45% Four Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Three Years Certificate Reward Tier 1 3.36% 3.40% Three Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
18 month Certificate Reward Tier 1 3.31% 3.35% 18 Months
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Two Years Certificate Reward Tier 1 3.31% 3.35% Two Years
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
6 month Certificate Reward Tier 1 3.21% 3.25% 6 Months
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
One Year Certificate Reward Tier 1 3.21% 3.25% One Year
Min Balance $500
Details Certificate Reward
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Savings Rates

Product Rate APY View More
Cultivate High-Yield Savings 5.00% 5.00%
Min Deposit $0
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Vault Youth Savings - 5.00%
Details Qualifying balance up to $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Cultivate High-Yield Savings 3.10% 3.10%
Min Deposit $0
Min Balance $1,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Vault Youth Savings - 3.00%
Details Qualifying balance up to $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Cultivate High-Yield Savings 1.50% 1.50%
Min Deposit $0
Min Balance $50,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Membership Savings / Simple Savings 0.50% 0.50%
Min Deposit $5
Min Balance $10,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Vault Youth Savings 0.50% 0.50%
Min Deposit $5
Min Balance $10,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Membership Savings / Simple Savings 0.30% 0.30%
Min Deposit $5
Min Balance $2,500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Vault Youth Savings 0.30% 0.30%
Min Deposit $5
Min Balance $2,500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Membership Savings / Simple Savings 0.20% 0.20%
Min Deposit $5
Min Balance $500
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Vault Youth Savings 0.20% 0.20%
Min Deposit $5
Min Balance $1,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Membership Savings / Simple Savings 0.10% 0.10%
Min Deposit $5
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.50% 1.50%
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Money Market 0.05% 0.05%
Min Deposit $1,000
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Mortgage Rates

Product Rate Points APR Term View More
30 Year VA 5.88% - 5.99%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
15 Year Fixed (Conforming) 6.00% - 6.11%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
30 Year VA Manufactured Home (no homes on rented land) 6.13% - 6.41%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
30 Year FHA 5.75% - 6.51%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
30 Year Fixed Conventional 6.63% - 6.66%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
30 Year FHA Manufactured Home (no homes on rented land) 5.88% - 6.71%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
30 Year Conventional Manufactured Home (no homes on rented land) 6.88% - 6.99%
No additional details.
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 4.50% 5
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
HELOC - - 5.99% 10
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 5.24%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%
Used Auto Loan - - 6.49%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

SELCO Community Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 10.75%
Details As Low As
Last Updated 04/19/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.37%

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
Address 110 International Way, Springfield, OR 97477
Phone 541-686-8000
Fax 541-341-1804
President Tony Saxman
CEO Bob Newcomb
Full-Time Employees 464
Part-Time Employees 11
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+ (98/100)
Texas Ratio
3.37%
Return on Assets (ROA)
0.7410%
Return on Equity (ROE)
6.2339%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
2,881,590,879
Total Amount of Shares and Deposits
2,530,109,429
Total Shares and Deposits < 1 Year
2,426,626,402
Total Shares and Deposits 1 3 Years
74,718,566
Total Shares and Deposits > 3 Years
28,764,462
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
183,182,359
Total Uninsured Shares and Deposits > $250K (F+J)
183,182,359
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,346,927,070
Total Interest Expense (Sum of items 6 8)
34,644,860
Share Certificates
15,270
Number of Accounts for Share Drafts
89,592
IRA KEOGH Accounts
4,843
Number of Accounts for Regular Shares
189,393
All other shares
2,390
Money Market Shares
20,199
Net Income (unless the amount is already included in Undivided Earnings)
21,353,314
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
270,525,067
Total Liabilities
2,565,856,969
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About SELCO Community Credit Union

Is SELCO Community Credit Union a safe place to deposit money?

Yes, SELCO Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3686101961327%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.

Current SELCO Community Credit Union Rates

  • 18-Month CD3.35%
  • Savings0.10%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.