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SELCO Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
SELCO Community Credit Union's top rates as of October 13, 2026 are 3.15% APY on its 18 Month CD, 5.00% APY on savings, 1.50% APY on money market accounts, 0.35% APY on checking, 6.62% on its Current Mortgage - 30 Year FHA, auto loans from 5.24% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other SELCO Community Credit Union CD rates include 6 Month CD at 3.15%. Other SELCO Community Credit Union mortgage rates include Current Mortgage - 15 Year Fixed (Conforming) at 6.75%, Current Mortgage - 30 Year VA at 6.75%, and 30 Year VA Manufactured Home Loan at 6.75%. 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 10/13/2026.
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.
SELCO Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
SELCO Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.92%
ExcellentLower than avg
SELCO Community Credit Union Texas Ratio
SELCO Community Credit Union's Texas Ratio is 1.92%, which is considered excellent and is lower than the national average of 6.13%.
SELCO Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.63% to 1.92% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
18 Month Certificate
3.113%
3.15%
18 Months
Min Deposit$500
DetailsDividend Rate; Standard
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
6 Month Certificate
3.113%
3.15%
6 Months
Min Deposit$500
DetailsDividend Rate; Standard
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
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
Min Balance$500
DetailsBalance: $500.01 - $1,000.00; Youth account, enrollment limited to members 17 years old or younger; qualified adult guarantor required for members under 18
Last Updated10/13/2026
Rate History
No change since Sep 14, 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
DetailsBalance: $50,000 and over; Minimum Opening Balance:; Minimum Required Balance:
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 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
DetailsBalance: $10,000 +; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 3 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
DetailsBalance: $10,000 and over; Minimum Required Balance: $5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 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
DetailsBalance: $10,000 and over; Minimum Required Balance: $5
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 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
DetailsBalance: $2,500 - $9,999.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.30% APY · checked 3 times
No change since Sep 14, 2026 · 0.30% APY · checked 6 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
DetailsBalance: $500 - $2,499.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.20% APY · checked 3 times
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
DetailsBalance: $0 - $499.99; Daily balance method; No setup or monthly service fee; Tax advantaged savings with federally qualified high deductible health plan
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 3 times
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
SELCO Community Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings / Business Membership Savings
0.50%
0.50%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000 +; No monthly service charge on Business Savings Account
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
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
DetailsBalance: $2,500 - $9,999.99; No monthly service charge on Business Savings Account
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.30% APY
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
DetailsBalance: $500 - $2,499.99; Accounts do not earn dividends when balance is below $500; No monthly service charge on Business Savings Account; Business Membership Savings Account must maintain a $5 balance
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
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
DetailsBalance: $1,000 and over; Minimum Required Balance:
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
No change since Sep 14, 2026 · 0.05% APY · checked 6 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
View More
Business Money Market Account
1.24%
1.25%
Min Deposit$100
Min Balance$1,000
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.25% APY · checked 3 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
SELCO Community Credit Union Checking Rates
Product
Rate
APY
View More
Select Checking with Interest Upgrade
0.35%
0.35%
Min Balance$10,000
DetailsBalance: $10,000 +; Daily balance method; $5 monthly service charge if balance drops below $500
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.35% APY · checked 2 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
DetailsBalance: $2,500 - $9,999.99; Daily balance method; $5 monthly service charge if balance drops below $500
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 2 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
DetailsBalance: $0 - $2,499.99; Daily balance method; $5 monthly service charge if balance drops below $500
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
SELCO Community Credit Union Business Checking Rates
Product
Rate
APY
View More
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 deposit up to 100 items per month ($0.15 per item thereafter)
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.30% APY · checked 3 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 deposit up to 500 items per month ($0.15 per item thereafter)
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.30% APY · checked 3 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
View More
Current Mortgage - 15 Year Fixed (Conforming)
6.75%
-
6.925%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 29, 2026 · 6.60% → 6.93% ▲ 0.32 pts · high 6.93% / low 6.60%
Oct 13, 20266.93%▲ from 6.60%
Sep 29, 20266.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Current Mortgage - 30 Year VA
6.75%
-
7.046%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 29, 2026 · 6.79% → 7.05% ▲ 0.26 pts · high 7.05% / low 6.79%
Oct 13, 20267.05%▲ from 6.79%
Sep 29, 20266.79%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%
DetailsNo homes on rented land
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Current Mortgage - 30 Year FHA
6.625%
-
7.41%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 29, 2026 · 7.15% → 7.41% ▲ 0.27 pts · high 7.41% / low 7.15%
Oct 13, 20267.41%▲ from 7.15%
Sep 29, 20267.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Current Mortgage - 30 Year Fixed Conventional
7.375%
-
7.489%
No additional details.
Last Updated10/13/2026
Rate History
1 change since Sep 29, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.49% / low 7.11%
Oct 13, 20267.49%▲ from 7.11%
Sep 29, 20267.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
30 Year FHA Manufactured Home Loan
6.75%
-
7.527%
DetailsNo homes on rented land
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.53% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
30 Year Conventional Manufactured Home Loan
7.50%
-
7.615%
DetailsNo homes on rented land
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.62% APR
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
View More
Home Equity Combination Line-of-Credit
-
-
6.75%
15 years
DetailsAPR Range: 6.75% - 12.00%; Draw period 5-15 years; Repayment period 15 years; SELCO pays all third party costs excluding title insurance and appraisal; No loan fee
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
SELCO Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
5.24%
DetailsAs Low As; New APR; Auto Loans; See Auto Rates and Terms
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Used Auto Loan
-
-
6.49%
DetailsUsed APR; Auto Loans; See Auto Rates and Terms
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 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
Term
View More
Recreational Vehicle Loan (New and Used)
-
7.49%
DetailsAPR Range: 7.49% - 22.14%; Fixed APR; Includes motorcycles, snowmobiles, ATVs, personal watercraft, motorhomes, travel trailers, fifth wheels, van conversions, and campers; Maximum repayment period based on amount borrowed and collateral; May not be used as a primary dwelling
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Boat Loan (New and Used)
-
8.15%
DetailsAPR Range: 8.15% - 22.14%; Fixed APR; Maximum repayment period based on amount borrowed; Boats may not be used as a primary dwelling
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 8.15% APR · checked 3 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 Cards
-
10.75%
DetailsAs Low As; APR; See Credit Card Rates and Terms
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.75% APR
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
View More
30 Year USDA Rural Home Purchase Loan
6.75%
-
7.129%
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 6.23% → 7.13% ▲ 0.89 pts · high 7.13% / low 6.23%
Oct 13, 20267.13%▲ from 6.87%
Sep 18, 20266.87%▲ from 6.23%
Sep 14, 20266.23%first recorded
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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.30% APY · checked 3 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.40% APY · checked 3 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.25% APY · checked 3 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 1.70% APY · checked 2 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.20% APY · checked 2 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
DetailsBalance: $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; No more than 6 may be checks to third parties
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 2.20% APY · checked 2 times
No change since Sep 14, 2026 · 1.95% APY · checked 6 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
DetailsBalance: $250,000 and over; Minimum Required Balance: $10,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 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
DetailsBalance: $0 +; Daily balance method; Traditional, Roth, or SEP; no setup or monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.00% APY · checked 3 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
DetailsBalance: $0 - $9,999.99; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.95% APY · checked 3 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
DetailsBalance: $10,000 - $49,999.99; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.20% APY · checked 3 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
DetailsBalance: $50,000 - $249,999; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 1.95% APY · checked 3 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
DetailsBalance: $250,000 +; Daily balance method; Traditional or Roth IRA; no setup or monthly service fee
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 2.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Vault Youth Savings
-
-
5.00%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.00 - $500.00; Youth account, enrollment limited to members 17 years old or younger; qualified adult guarantor required for members under 18
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
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.
Address
110 International Way,
Springfield, OR 97477
Phone541-686-8000
Fax541-341-1804
PresidentTony Saxman
CEOBob Newcomb
Full-Time Employees472
Part-Time Employees14
Branch Locations15
ATM Locations15
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
Q2 2026 MBR Health & Safety Badge
SELCO Community Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About SELCO Community Credit Union
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 CD3.15%
Savings5.00%
MMA1.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
