| Loans |
Annual
Percentage
Rate |
Terms |
| New & Used Autos & First Time Auto Buyers |
| Includes cars and trucks. Repayment period is based on the collateral and the total amount borrowed. Contact SELCO for more info about repayment periods. The rate shown applies to loan applications submitted via the selco.org website only. Current SELCO debt not eligible. |
| *4.69%  17.93% | up to 96 months |
 |
| Recreational Vehicles |
| Recreational Vehicles include Motorcycles, Snowmobiles, ATVs, Horse Trailers, Self-Contained RVs, Fifth Wheels, Travel Trailers, Van Conversions, and Campers. Repayment period based on collateral and total amount borrowed. |
| *6.99% 20.24% | Up to 144 months (longer terms with special approval) |
|
| Homeowner's Auto Loan |
| We hold your vehicle title and trust deed on your home as collateral. Repayment period is based on total amount borrowed. Excludes motorcycles. Recording Fee: $46-56. DMV Title Fee: $55. Flood Determination Fee: $12. Reconveyance Fee: $ 65-$100 (charged when your loan is paid in full). Mortgage Late Fee applies to this loan. See Home Equity Credit Account Disclosure for more information.The rate shown applies to loan applications submitted via the selco.org website only. |
| *4.69% 17.93% | up to 96 months |
|
| New & Used Watercraft |
| Includes Jet-skis. Repayment period is based on the collateral and the total amount borrowed. Contact SELCO for more info about repayment periods for the RV or boat of your choice. Other third-party fees may apply.** |
| *6.99% 20.24% | Up to 144 months (longer terms with special approval) |
|
| Personal Loan |
| Repayment period is based on the total amount borrowed. Contact SELCO for more info about repayment periods. |
| *11.10% 24.60% | up to 36 months |
|
| Consolidation Loan |
| Loan with a financial education component. Repayment period is based on total amount borrowed.** |
| *9.99% 23.49% | |
|
| Personal Property Loan |
| Includes computers, hot tubs, satellite systems, farm equipment, lawn mowers and Limited Insurance Auto Loans (less than $4,000). Repayment period is based on the collateral and total amount borrowed. Contact SELCO for more info about repayment periods. |
| *11.10% 24.60% | up to 36 months |
|
| Tax Loan |
| Repayment period is based on total amount borrowed.** |
| *11.10% 24.60% | up to 36 months |
|
| Personal Line-of-Credit Loan |
| The variable interest rate on this loan is prime plus 6.9%. Although the rate may change, the monthly payment stays the same throughout the term of the loan. The number of payments may increase or decrease depending on the index.** |
| 12.90% 12.90% | Revolving Account |
|
| Share Secured Loan |
| The VARIABLE interest rate on this loan is derived from the four-week average of the 26-week T-bill plus a margin of 2.10%. Although the rate may change, the monthly payment stays the same throughout the term of the loan. Minimum monthly payment required of $30. number of payments may increase or decrease depending on the index.** |
| 3.63% 3.63% | |
|
| Loan Secured by Certificate of Deposit |
| The rate for this loan is 2.10% above the dividend rate of the Certificate of Deposit securing the loan.** |
| | variable rate (see description) |
|
| Quick Draw Loan |
| 1-30 day loan (depending on next payday). Maximum loan amount $500. No loan application or processing fee. Contact SELCO for further qualification details. |
| 15.00% 18.00% | 1-30 days (depending on next payday) |
|
1-800-445-4483