Credit union · NCUA insured
SELCO Community Credit Union Savings Rates
SELCO Community Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How SELCO Community Credit Union’s savings 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
3.10%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $310
Cultivate High-Yield Savings
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
SELCO Community Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.10%
- $10,000 balance$10,0003.10%
- $100,000 balance$100,0001.95%
- QualifiedQualified3.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Cultivate High-Yield Savings
3.10%APY
Limit one Cultivate or Vault account per member. No monthly fees or minimum balance required. Balances of $1,000 or more can earn up to an extra 0.50% APY via two 0.25% APY bonus opportunities: deposit at least $100 monthly (0.25% APY bonus), and/or use a SELCO checking account with monthly digital banking login, deposit, and non-deposit transaction (0.25% APY bonus).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 5.00% | — | |
| $1,000 – $50,000Base APY. Balances of $1,000+ can earn up to an extra 0.50% APY in bonuses. | 3.10% | $310 | Base APY. Balances of $1,000+ can earn up to an extra 0.50% APY in bonuses. |
| $50,000 and upBase APY. Balances of $50,000+ can earn up to an extra 0.50% APY in bonuses. | 1.50% | — | Base APY. Balances of $50,000+ can earn up to an extra 0.50% APY in bonuses. |
Sources (4)
- selco.org/savings
- selco.org/savings/cultivate-savings-account
- selco.org/savings/individual-and-joint-savings
- selco.org/checking/duo
All captured Oct 22, 2026
Investor Plus
1.20%APY
Make up to three penalty-free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.00% | — |
| $10,000 – $50,000 | 1.20% | $120 |
| $50,000 – $249,999 | 1.95% | — |
| $250,000 and up | 2.20% | — |
Sources (3)
- selco.org/savings/individual-and-joint-savings
- selco.org/savings/money-market-accounts
- es.selco.org/savings/money-market-accounts
All captured Oct 15, 2026
Investor Plus
1.20%APY
Maintenance and activity fees may apply and could reduce earnings. Requires a $10,000 minimum opening and required balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.00% | — |
| $10,000 – $50,000 | 1.20% | $120 |
| $50,000 – $249,999 | 1.95% | — |
| $250,000 and up | 2.20% | — |
Sources (1)
- selco.org/savings/individual-and-joint-savings · captured Oct 22, 2026
Money Market
1.50%APY
No penalty if your balance dips below $1,000 (some restrictions apply). No withdrawal penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 and up | 1.50% | $150 |
Sources (3)
- selco.org/savings/individual-and-joint-savings
- selco.org/savings/money-market-accounts
- es.selco.org/savings/money-market-accounts
All captured Oct 15, 2026
Membership Savings / Simple Savings
0.50%APY
Membership Savings requires a $5 minimum balance (refunded if account is closed). No minimum balance required if you have another SELCO account. No account maintenance fees on Simple Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.10% | — |
| $500 – $2,500 | 0.20% | — |
| $2,500 – $10,000 | 0.30% | — |
| $10,000 and up | 0.50% | $50 |
Special-purpose accounts
Vault Youth Savings
0.50%APY
Must be 17 years old or younger and live or work in one of the 27 Oregon counties or 8 Washington counties served (or have a family member who does). Qualified adult guarantor required. Limit one Cultivate or Vault account per member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 5.00% | — |
| $500 – $10,000 | 3.00% | — |
| $1,000 – $2,500 | 0.20% | — |
| $2,500 – $10,000 | 0.30% | — |
| $10,000 and up | 0.50% | $50 |
Sources (3)
- selco.org/savings
- selco.org/savings/individual-and-joint-savings
- selco.org/savings/vault-youth-savings
All captured Oct 22, 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.