Credit union · NCUA insured
SELCO Community Credit Union CD Rates
SELCO Community Credit Union’s best CD rate is 3.90% APY on a 7-year share certificate (CD), with extra requirements. Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How SELCO Community Credit Union’s CD rates compare
Compared with banks and credit unions near Eugene, OR, where SELCO Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SELCO Community Credit Union
3.90%APY
- Term
- 84 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $3,071
Standard Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Central Willamette Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $416
SELCO Community Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SELCO Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Standard Certificates
Up to 3.90%APY · 8 terms
Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.40% | $169 |
| 6 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.65% | $181 |
| 6 monthsStandard rate without Certificate Reward | 3.15% | $156 |
| 12 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.40% | $340 |
| 12 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.65% | $365 |
| 12 monthsStandard rate without Certificate Reward | 3.15% | $315 |
| 18 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.40% | $514 |
| 18 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.65% | $552 |
| 18 monthsStandard rate without Certificate Reward | 3.15% | $476 |
| 24 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.40% | $692 |
| 24 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.65% | $743 |
| 24 monthsStandard rate without Certificate Reward | 3.15% | $640 |
| 36 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.40% | $1,055 |
| 36 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.65% | $1,135 |
| 36 monthsStandard rate without Certificate Reward | 3.15% | $975 |
| 48 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.45% | $1,453 |
| 48 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.70% | $1,564 |
| 48 monthsStandard rate without Certificate Reward | 3.20% | $1,343 |
| 60 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.50% | $1,877 |
| 60 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.75% | $2,021 |
| 60 monthsStandard rate without Certificate Reward | 3.25% | $1,734 |
| 84 monthsCertificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999 | 3.65% | $2,852 |
| 84 monthsCertificate Reward Tier 2: Requires household 9-month average daily savings balance of $100,000 or more | 3.90% | $3,071 |
| 84 monthsStandard rate without Certificate Reward | 3.40% | $2,637 |
Sources (1)
- selco.org/globalassets/cd.pdf · captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 3.40%APY · 5 terms
Minimum opening balance of $500. Automatically renews for another term upon maturity with a 10-day grace period. Not eligible for Certificate Reward dividends. Exceptions to early withdrawal penalty apply for death/incompetence, investment transfers, and Required Minimum Distributions (RMD).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.30% | $330 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.40% | $1,820 |
Sources (1)
- selco.org/globalassets/cd.pdf · captured Oct 3, 2026
College Savings Certificates
3.15%APY · 3 terms
Available only to SELCO Vault account holders age 17 or younger. Minimum opening balance of $100; unlimited additional deposits of $50 or more are allowed. If maturing after age 18, does not renew automatically and balance transfers to owner's SELCO savings account. Not eligible for Certificate Reward dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.15% | $156 |
| 12 months | 3.15% | $315 |
| 24 months | 3.15% | $640 |
Sources (1)
- selco.org/globalassets/cd.pdf · captured Oct 3, 2026
Who can join SELCO Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of the 27 Oregon or 8 Washington counties served by SELCO are eligible for membership.
Family and household
- Individuals who have a family member living in one of the 27 Oregon or 8 Washington counties served by SELCO are eligible for membership.
- Individuals whose domestic partner is a SELCO member are eligible for membership.
Other ways
- Businesses are eligible for membership.
Membership information collected October 4, 2026.