What are the current interest rates at Selfreliance Federal Credit Union?

Current rates for Selfreliance Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.50%, Savings: 0.10%, MMA: 0.05%

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Selfreliance Federal Credit Union

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Selfreliance Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Selfreliance Federal 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 and Verified: September 20, 2026

Selfreliance Federal Credit Union's 1 Year CD rates are at 4.00%, 6 Month CD rates are at 3.95%, 5 Month - No Penalty Special rates are at 3.80%, 2 Year CD rates are at 3.50%, IRA CDs 24 month rates are at 3.50%. Selfreliance Federal Credit Union's savings rates are at 0.10%. Selfreliance Federal Credit Union's money market rates are at 0.05%. Selfreliance Federal Credit Union's Auto Loan Rates are as low as 5.64%. Selfreliance Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Selfreliance Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.34%. Rates last updated and verified on 09/20/2026.

Selfreliance 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 Selfreliance Federal Credit Union? Share your experience about Selfreliance Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Selfreliance Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.34%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Selfreliance Federal Credit Union
Selfreliance FCU - Home Office

2332 W Chicago Ave
Chicago, IL 60622

https://www.selfreliance.com

Selfreliance Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Certificate	3.94%	4.00%	1 Year
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
6 Month Certificate	3.91%	3.95%	6 Month
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
5 Month - No Penalty Special	3.76%	3.80%	5 Month
Min Balance $500 Details Term: 5 Month - No Penalty Special Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
2 Year Certificate	3.46%	3.50%	2 Years
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
IRA Certificates 24 month	3.46%	3.50%	24 months
Min Balance $500 Details NCUA-insured: Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
3 Year Certificate	3.21%	3.25%	3 Years
Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings Accounts	0.10%	0.10%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.25%	3.29%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Money Market Accounts	2.25%	2.27%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Money Market Accounts	1.75%	1.76%
Min Balance $75,000 Details Balance: $75,000-$249,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Money Market Accounts	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000-$74,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Money Market Accounts	0.75%	0.75%
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Money Market Accounts	0.05%	0.05%
Details Balance: under $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Accounts	0.01%	0.01%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Used Auto Loan	-	-	5.64%
Details Model Year: 2023 or Older; Savings example based on a $30,000 loan for 36 months and 5.64% interest rate for a used car. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
Commercial Truck Loan	-	-	7.99%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Preferred Credit Card	-	9.90%
Details Regular APR: 19.56%*; Savings example based on a balance of $10,000 over 36 months at a 9.90% Annual Percentage Rate (APR). Actual savings may vary if additional purchases are made. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates are subject to change at any time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

Selfreliance Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRAs Roth	1.00%	-	1.00%
Min Balance $10 Details NCU-insured: Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
IRAs SEP	1.00%	-	1.00%
Min Balance $10 Details NCUA-insured: Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%
IRAs Traditional	1.00%	-	1.00%
Min Balance $10 Details NCUA-insured: Yes Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.34%

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.

Financial Health History

Selfreliance Federal Credit Union’s Texas Ratio fell from 6.46% in Q2 2023 to 5.34% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.1B	5.34%	5.0	A+
December 31, 2025	$1.1B	8.35%	5.0	A
September 30, 2025	$1.1B	9.40%	5.0	A
June 30, 2025	$1.1B	8.80%	5.0	A
March 31, 2025	$1.1B	8.27%	5.0	A
December 31, 2024	$1.1B	6.69%	5.0	A
September 30, 2024	$1.0B	5.50%	5.0	A+
June 30, 2024	$1.0B	5.46%	5.0	A+
March 31, 2024	$1.1B	3.91%	5.0	A+
December 31, 2023	$1.1B	7.16%	5.0	A
September 30, 2023	$1.1B	3.45%	5.0	A+
June 30, 2023	$1.1B	6.46%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Selfreliance 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 Selfreliance 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 Selfreliance Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Selfreliance Federal Credit Union

Website https://www.selfreliance.com

Address 2332 W Chicago Ave, Chicago, IL 60622

Phone 773-328-7500

Fax 773-328-7501

President Victor Wojtychiw

CEO Vitaliy Kutnyy

Full-Time Employees 155

Part-Time Employees 11

Branch Locations 16

ATM Locations 9

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.34%

Return on Assets (ROA)

0.1651%

Return on Equity (ROE)

1.3075%

Non-Performing Loans Ratio (NPL)

1.11%

Total Assets

1,134,825,427

Total Amount of Shares and Deposits

952,863,538

Total Shares and Deposits < 1 Year

945,894,400

Total Shares and Deposits 1 3 Years

6,969,138

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

103,746,406

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

103,746,406

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

849,117,132

Total Interest Expense (Sum of items 6 8)

8,141,358

Share Certificates

6,364

Number of Accounts for Share Drafts

40,520

IRA KEOGH Accounts

3,617

Number of Accounts for Regular Shares

51,532

All other shares

2,263

Money Market Shares

3,005

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,421,006

Total Liabilities

990,386,600

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Selfreliance Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Selfreliance Federal Credit Union

How many branches does Selfreliance Federal Credit Union operate?

Selfreliance 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 Selfreliance Federal Credit Union?

Yes, to access services at Selfreliance 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, Selfreliance 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, Selfreliance Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Selfreliance Federal Credit Union offer online and mobile banking?

Most modern institutions like Selfreliance 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.selfreliance.com.