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Self-Help Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.self-helpfcu.org
919-956-4600
301 W Main St
Durham, NC 27701

Self-Help Federal Credit Union is headquartered in Durham and is the 6th largest credit union in the state of North Carolina. It is also the 237th largest credit union in the nation. It was established in 2008 and as of March of 2025, it had grown to 347 employees and 124,073 members at 38 locations. Self-Help Federal Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Self-Help Federal Credit Union is open to anyone through joining the Center for Community Self-Help ($5 membership fee). Membership is also open to those who live, work, attend school or worship in select areas of Oakland, California and to employees of over 100 Select Employer Groups.
See current membership details

Reviews (1)

The Most Evil And Hurtful Credit Union Ever!!!

Posted by: |

This horrendous and sad excuse for a financial institution that is suppose to help people does exactly the opposite. The Mission Street Branch in San Francisco never sent me a debit card which I had to repeatedly call and beg to get which eventually took 3 months to get! ridiculous! But I wish I never got it because they did something that no financial institution has ever pulled on me before. They allowed a shady criminal business to charge me card without me present or signing for it and instead of declining the charge they let it over draw my checking account by -$1300!! Why in the world they would do such a stupid weird and damaging thing and let them get away with it which they then closed my account because there was no way i was paying for their evil mistake. It now sits on my credit file as a “loan”! I never ever signed anything about any loan! Worst experience and was only few months! banks are so awful and evil! This must change!

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24802
Year Chartered2008
Employees347
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.12%
Annual Interest Income$28.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.15B$2.12B
LoansQ1 2025vs Q1 2024$1.51B$1.49B
DepositsQ1 2025vs Q1 2024$1.51B$1.49B
Equity CapitalQ1 2025vs Q1 2024$187.6MM$175.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$40.3MM$42.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.6MM$4.6MM
Real Estate OwnedQ1 2025vs Q1 2024$701K$28K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Self-Help Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-Savings (all types)
0.30%$25-Youth Accounts (all)

Self-Help Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.08%$500-Money Market

Self-Help Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Access Checking
0.10%$0-Personal Checking
0.05%$0-Business Checking
0.05%$0-Nonprofit Checking

Self-Help Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.08%$500-12 Month Share Certificate
3.87%$500-18 Month Share Certificate
3.67%$500-24 Month Share Certificate
3.35%$500-36 Month Share Certificate
3.35%$500-48 Month Share Certificate
3.35%$500-60 Month Share Certificate
0.15%$500-6 Month Share Certificate
0.10%$500-3 Month Share Certificate

Self-Help Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.08%$100-IRA Account
4.08%$100-12 Month IRA
3.87%$100-18 Month IRA
3.67%$100-24 Month IRA
3.35%$100-36 Month IRA
3.35%$100-48 Month IRA
3.35%$100-60 Month IRA
Locations

Availability

Los Angeles Area

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