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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Self-Help Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Self-Help Federal Credit Union's 1-Year CD rates are at 3.82%, 3-Year CD rates are at 3.35%. Self-Help Federal Credit Union's money market rates are at 1.64%. MonitorBankRates evaluates the financial stability of Self-Help Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.72%. Rates were last updated on 03/28/2026. Self-Help Federal 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 Federal Credit Union? Share your experience about Self-Help Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Self-Help Federal Credit Union. Self-Help Federal Credit Union
Durham 301 W Main St
https://www.self-helpfcu.org/ Durham, NC 27701 3215 
Self-Help Federal Credit Union CD Rates
Self-Help Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Self-Help Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Self-Help Federal Credit Union
Website
https://www.self-helpfcu.org/
Address
301 W Main St,
Durham, NC 27701 3215
Phone
919-956-4600
Fax
President
Jose Caballero
CEO
Martin Eakes
Full-Time Employees
393
Part-Time Employees
23
Branch Locations
43
ATM Locations
38
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.72%
Return on Assets (ROA)
0.6584%
Return on Equity (ROE)
2.4739%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
2,343,602,607
Total Amount of Shares and Deposits
1,671,447,029
Total Shares and Deposits < 1 Year
1,540,885,840
Total Shares and Deposits 1 3 Years
115,176,744
Total Shares and Deposits > 3 Years
15,384,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
186,448,817
Total Uninsured Shares and Deposits > $250K (F+J)
186,510,894
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,484,936,135
Total Interest Expense (Sum of items 6 8)
31,338,490
Share Certificates
9,125
Number of Accounts for Share Drafts
49,877
IRA KEOGH Accounts
2,524
Number of Accounts for Regular Shares
116,044
Non Member Deposits
4,520
Money Market Shares
13,004
Net Income (unless the amount is already included in Undivided Earnings)
15,430,149
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
552,542,688
Total Liabilities
2,133,871,155
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Self-Help Federal Credit UnionIs Self-Help Federal Credit Union a safe place to deposit money?Yes, Self-Help Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7222130666461%, 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 Federal Credit Union operate?Self-Help Federal 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 Federal Credit Union?Yes, to access services at Self-Help Federal 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 Federal 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Self-Help Federal Credit Union offer online and mobile banking?Most modern institutions like Self-Help Federal 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-helpfcu.org/. Current Self-Help Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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