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What would you rather have—several hundred dollars in monthly payments spread across all your credit cards or one smaller payment over a set number of years? If you’re a homeowner, a home equity line of credit (HELOC) may be what you need to reel in that pesky debt. Aside from being fun to say, a HELOC (hee-lock) can be more than just a means of...
Popular rideshare services like Uber and Lyft are now available in larger cities across Oregon, including Eugene. And for many people, becoming a driver is an attractive way to pick up a little extra spending money. You’ll want to make sure you’re prepared for the associated costs, and that you and your customers are protected, to make it a smoo...
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...
If you haven’t heard, cryptocurrency is the flavor of the month in the investment world. More than 20 million Americans own some form of cryptocurrency . With Bitcoin leading the way, the global market capitalization of crypto is hovering around $2 trillion. El Salvador became the first country to adopt Bitcoin as legal tender . Crypto was...
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...
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...
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...
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...
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...
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...