Introducing Cultivate High-Yield Savings
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.
Certificates
as high as 4.10 %Car Loans
as low as 5.99 % 6.74 %Credit Cards
as low as 11.50 %Whatever a good life means to you, we will help you get there.
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.
Monitor your credit score in real time
Stay on top of your spending and accounts by monitoring your credit score in digital banking. Our free tool offers account activity that affects your score as well as tips on how to improve your score.
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.
2025 Annual Business Meeting
SELCO's 2025 Annual Business Meeting will be held via teleconference on Tuesday, April 22 at 4:45pm. You can register now, as well as check out selected highlights from the past year.
Financial tips and tools
Give your child a head start
Learning financial responsibility can happen at any age—and SELCO’s Vault Education Hub is the perfect launch pad, offering engaging activities to help the kids in your life cultivate healthy money skills.
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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.