Self-help Credit Union

Headquarters

301 W. Main St
Durham, NC 27701
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Notable Rates	APY	Vs.Others
Savings	0.30%	4.60% →
1-Year CD	3.82%	4.59% →
2-Year CD	3.61%	4.00% →
5-Year CD	3.35%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Self-help is an NCUA insured institution located in Durham, NC. It was founded in 1983 and has approximately $2090.98 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	$2,090.98 million
Loans	$1,863.93 million
Deposits	$1,541.44 million
Capital	$511.12 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 - December 12, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.30%	$0	-	Learn More Reviews
Money Market	0.30%	$500	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.15%	$500	-	Learn More Reviews
12 Mo CD	3.82%	$500	-	Learn More Reviews
18 Mo CD	3.61%	$500	-	Learn More Reviews
24 Mo CD	3.61%	$500	-	Learn More Reviews
36 Mo CD	3.35%	$500	-	Learn More Reviews
48 Mo CD	3.35%	$500	-	Learn More Reviews
60 Mo CD	3.35%	$500	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	4.08%	$0	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.10%	$0	-	Learn MoreShow Less

Loan Rates - December 12, 2025

Your Current Location: New York, NY 10116

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 - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 399799	6.224%	6.125%	0.75	$3,545	$1,945	Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

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:
New York City,New York

Self-help Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Roanoke Rapids	352.19	A	View Lobby Hours
Windsor	361.29	B	View Lobby Hours
Wilson	402.70	C	View Lobby Hours
Headquarters	416.64	D	View Lobby Hours
Greensboro	443.11	E	View Lobby Hours
Galax	461.28	F	View Lobby Hours
Lexington	476.02	G	View Lobby Hours
Wilmington	492.12	H	View Lobby Hours
Laurinburg	502.36	I	View Lobby Hours
Maiden	521.40	J	View Lobby Hours
Morganton	533.83	K	View Lobby Hours
Old Fort	557.92	L	View Lobby Hours
S. Asheville	577.54	M	View Lobby Hours
Hendersonville	582.98	N	View Lobby Hours
Brevard	592.30	O	View Lobby Hours
Downtown Office	882.22	P	View Lobby Hours
Millhopper Office	882.72	Q	View Lobby Hours
Rosman	938.63	R	View Lobby Hours

View Branches Nationwide →

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
4.19%	5.63

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 June 30, 2025, Self-help had $22,175,705 in non-current loans and $59,433 in owned assets. To cover these potential losses it had $511,116,905 in net worth and $19,711,981 in loans loss reserves. That gives it a Texas Ratio of 4.19%.

Net Worth

Self-help	U.S. Average
24.33%	14.29%

Self-help FCU has a net worth of 24.33% versus the BestCashCow average of 14.29. 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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Self-help Credit Union

2025 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - December 12, 2025

Loan Rates - December 12, 2025

Featured - New York 30 Year Fixed Mortgage Rates 2025

Featured - New York Home Equity Line Of Credit Rates 2025

Branches

Self-help Locations around zip code 10116

Climate Policy and Initiatives

Add Your Review

Financial Details

Self-help Ratio Analysis

Texas Ratio

Net Worth

Customer Reviews for Self-help

Asheville Saver

Add Your Review