Self-help Credit Union


301 W. Main St
Durham, NC 27701
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Notable Rates APY Vs.Others
Savings 0.30% 5.50% →
1-Year CD 4.50% 5.38% →
2-Year CD 4.29% 4.95% →
5-Year CD 4.08% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 $1772.68 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 $1,772.68 million
Loans $1,543.13 million
Deposits $1,236.31 million
Capital $489.79 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 - July 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.30% $0 - Learn More
Money Market
3.32% $500 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $500 - Learn More
12 Mo CD
4.50% $500 - Learn More
18 Mo CD
4.50% $500 - Learn More
24 Mo CD
4.29% $500 - Learn More
36 Mo CD
4.08% $500 - Learn More
48 Mo CD
4.08% $500 - Learn More
60 Mo CD
4.08% $500 - Learn More
Variable IRA Rates APY MIN MAX
4.50% $0 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.10% $0 - Learn MoreShow Less

Loan Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,298 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.834% 6.740% 1.00 $3,075 $2,074 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Self-help
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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:

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
2.70% 6.52

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 March 31, 2024, Self-help had $13,691,580 in non-current loans and $67,182 in owned assets. To cover these potential losses it had $489,789,531 in net worth and $19,711,981 in loans loss reserves. That gives it a Texas Ratio of 2.70%.

Net Worth
Self-help U.S. Average
27.37% 13.65%

Self-help FCU has a net worth of 27.37% versus the BestCashCow average of 13.65. 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

  • 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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