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Self-Help Credit Union

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Self-Help Credit Union Rates & Review March 2026

Q: How many branches does Self-Help Credit Union operate?

Self-Help Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Self-Help Credit Union?

Yes, to access services at Self-Help Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Self-Help Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Self-Help Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 20, 2026

You can compare Self-Help Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 3.55% and 3-month share certificate rates at 0.10%. Savings rates are at 0.10% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.16%. All these rates can be compared to Self-Help Credit Union rates. MonitorBankRates evaluates the financial stability of Self-Help Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.18%. Rates were last updated on 03/20/2026.

Self-Help Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Self-Help Credit Union? Share your experience about Self-Help Credit Union by leaving a review below, or read customer reviews before you decide to use Self-Help Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.18%

Excellent Higher than avg

Self-Help Credit Union
Headquarters

301 W Main St
Durham, NC 27701

https://www.self-help.org

Self-Help Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit - HELOC	-	-	7.75%
Details 80% or less- combined loan-to-value CLTV Last Updated 03/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

Self-Help Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	13.25%
Details Depending on credit worthiness Last Updated 03/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Self-Help Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Self-Help Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Self-Help Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Self-Help Credit Union

Website https://www.self-help.org

Address 301 W Main St, Durham, NC 27701

Phone 919-956-4400

Fax 919-956-4600

President Deborah McKetty

CEO Martin Eakes

Full-Time Employees 309

Part-Time Employees 9

Branch Locations 36

ATM Locations 27

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.18%

Return on Assets (ROA)

0.8709%

Return on Equity (ROE)

3.5789%

Non-Performing Loans Ratio (NPL)

2.00%

Total Assets

2,145,568,023

Total Amount of Shares and Deposits

1,588,898,082

Total Shares and Deposits < 1 Year

1,450,700,258

Total Shares and Deposits 1 3 Years

93,987,094

Total Shares and Deposits > 3 Years

44,210,729

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

630,935,050

Total Uninsured Shares and Deposits > $250K (F+J)

651,144,824

Total Insured Shares and Deposits > $250K (item 17 less item K)

937,753,258

Total Interest Expense (Sum of items 6 8)

27,825,527

Share Certificates

7,106

Number of Accounts for Share Drafts

41,550

IRA KEOGH Accounts

2,580

Number of Accounts for Regular Shares

77,691

Non Member Deposits

Money Market Shares

10,614

Net Income (unless the amount is already included in Undivided Earnings)

18,685,326

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

196,900,136

Total Liabilities

1,924,862,191

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Self-Help Credit Union

Is Self-Help Credit Union a safe place to deposit money?

Yes, Self-Help Credit Union is considered a safe financial institution. With a Texas Ratio of 7.1846979106987%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Self-Help Credit Union operate?

Self-Help Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Self-Help Credit Union?

Yes, to access services at Self-Help Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Self-Help Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Self-Help Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Self-Help Credit Union offer online and mobile banking?

Most modern institutions like Self-Help Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.self-help.org.