The SELCO Community Credit Union is a home equity line of credit from SELCO Community Credit Union. Loan terms: Variable rate; draw period typically 5 to 15 years. For a limited time, open a SELCO Home Equity Line of Credit (HELOC), access available funds, and convert your balance to a fixed-rate loan with rates as low as 4.50% APR for 5 years or 5.99% APR for 10 years*. Plus, we'll pay most closing costs and waive your