2024 Overview
General Credit Union Information
Self-help is an NCUA insured institution located in Durham, NC. It was founded in 1983 and has approximately $1758.86 millions in assets.
Who can join?
There are two ways to become a member:
1. Apply for free membership if you live, work, worship, or attend school in any of the following North Carolina counties: Brunswick, Buncombe, Forsyth, Greene, Guilford, Haywood, Henderson, Jackson, Lenoir, New Hanover, Polk, Scotland, Transylvania, Wilson. (Eligibility extends to immediate family of members.)
2. Apply for mission supportive membership by joining our founding charitable sponsor, the Center for Community Self-Help, for a one-time $5 fee.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66258 |
| Date Established | 1983 |
| Assets | $1,758.86 million |
| Loans | $1,539.30 million |
| Deposits | $1,235.46 million |
| Capital | $484.75 million |
Field of Membership Restrictions
Membership in Self-Help Credit Union is open to anyone through joining the Center for Community Self-Help ($5 membership fee). Membership is also open to those live, work, worship, or attend school in Washington, Hyde, Beaufort, or over other 40 counties in North Carolina.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.30% | $0 | - |
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|
|
Money Market
|
3.32% | $500 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $500 | - |
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|
| 12 Mo CD
|
4.50% | $500 | - |
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|
| 18 Mo CD
|
4.50% | $500 | - |
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|
| 24 Mo CD
|
4.29% | $500 | - |
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|
| 36 Mo CD
|
4.08% | $500 | - |
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|
| 48 Mo CD
|
4.08% | $500 | - |
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|
| 60 Mo CD
|
4.08% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
4.50% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | - | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Self-help
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Self-help
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Branches
Below are Self-help branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SELF-HELP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Self-help Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Self-help. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Self-help | U.S. Average |
|---|---|
| 3.05% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Self-help had $15,335,159 in non-current loans and $46,475 in owned assets. To cover these potential losses it had $484,746,699 in net worth and $19,711,981 in loans loss reserves. That gives it a Texas Ratio of 3.05%.
Net Worth
| Self-help | U.S. Average |
|---|---|
| 27.3% | 13.62% |
Self-help FCU has a net worth of 27.3% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Self-help
Asheville Saver
December 30, 2018 |
Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in.
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