Self-help Credit Union

Headquarters

301 W. Main St
Durham, NC 27701
See all branch locations →

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 - November 12, 2025

Your Current Location: Minnesota, MN 10007

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 - November 12, 2025

Your Current Location: Minnesota, MN 10007

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 - Minnesota 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 6606	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1429043 License#: MN-MO-1429043	5.669%	5.500%	0.88	$6,000	$1,817	Learn More
NMLS ID: 408902	5.842%	5.750%	0.63	$3,211	$1,868	Learn More
NMLS ID: 1067	5.929%	5.875%	0.63	$1,878	$1,893	Learn More

See More Mortgage Rates →

Featured - Minnesota Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to Self-help
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Minnetonka,Minnesota

Self-help Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Rosman	223.19	A	View Lobby Hours
S. Asheville	872.41	B	View Lobby Hours
Galax	876.96	C	View Lobby Hours
Old Fort	878.02	D	View Lobby Hours
Brevard	879.90	E	View Lobby Hours
Hendersonville	884.86	F	View Lobby Hours
Morganton	890.27	G	View Lobby Hours
Maiden	917.57	H	View Lobby Hours
Lexington	941.54	I	View Lobby Hours
Greensboro	944.23	J	View Lobby Hours
Headquarters	988.50	K	View Lobby Hours
Laurinburg	1021.52	L	View Lobby Hours
Roanoke Rapids	1023.39	M	View Lobby Hours
Wilson	1039.68	N	View Lobby Hours
Windsor	1071.37	O	View Lobby Hours
Wilmington	1108.67	P	View Lobby Hours
Millhopper Office	1206.25	Q	View Lobby Hours
Downtown Office	1209.29	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.

Is this review helpful? Yes:0 / No: 0