Self-help Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.25% 4.35% →
1-Year CD 0.85% 5.00% →
2-Year CD 0.90% 4.75% →
5-Year CD 1.05% 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Self-help is an NCUA insured institution located in Durham, NC. It was founded in 1983 and has approximately $1858.48 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 $1,858.48 million
Loans $1,508.56 million
Deposits $1,347.93 million
Capital $454.04 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 - January 28, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.28% $2,500 $2,999 Learn More
Money Market
0.28% $10,000 $14,999 Learn More
Money Market
0.28% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.01% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.05% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.85% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 28, 2023

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 2023

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.126% 6.990% 0.88 $3,438 $1,662 Learn More
PenFed Credit Union
NMLS ID: 401822
5.317% 5.250% 0.75 $1,875 $1,381 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
Learn More
MortgageResearch.com
NMLS ID: Not lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.990 %
After Intro: 8.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

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:
Ashburn,Virginia


Self-help Locations



Climate 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.

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
2.07% 4.63

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 September 30, 2022, Self-help had $9,725,378 in non-current loans and $86,973 in owned assets. To cover these potential losses it had $454,041,134 in net worth and $20,181,725 in loans loss reserves. That gives it a Texas Ratio of 2.07%.

Net Worth
Self-help U.S. Average
24.43% 12.52%

Self-help FCU has a net worth of 24.43% versus the BestCashCow average of 12.52. 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.

Add Your Review

Rate it here →