|
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 Credit Union Rates & Review September 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 and Verified: September 15, 2026
Self-Help Credit Union's 36 Month Term CD rates are at 3.82%, 48 Month Term CD rates are at 3.82%, 60 Month Term CD rates are at 3.82%, 18 Month Term CD rates are at 3.77%, 24 Month Term CD rates are at 3.77%. Self-Help Credit Union's Personal Loan Rates are as low as 11.75%. Self-Help Credit Union's Credit Card Rates are at 13.25%. 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 6.02%. Rates last updated and verified on 09/15/2026. 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. 
Self-Help Credit Union CD Rates
Self-Help Credit Union Home Equity & HELOC
Self-Help Credit Union Auto Loan Rates
Self-Help Credit Union RV, Boat and Powersport Loan Rates
Self-Help Credit Union Credit Card Rates
Self-Help Credit Union Personal Loan Rates
Self-Help Credit Union Other Rates
Financial Health HistorySelf-Help Credit Union’s Texas Ratio rose from 2.76% in Q2 2023 to 6.02% in Q1 2026, so its financial health has weakened 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Thomas King
CEO
Martin Eakes
Full-Time Employees
303
Part-Time Employees
14
Branch Locations
36
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.02%
Return on Assets (ROA)
0.1951%
Return on Equity (ROE)
0.8018%
Non-Performing Loans Ratio (NPL)
1.84%
Total Assets
2,152,520,986
Total Amount of Shares and Deposits
1,573,865,140
Total Shares and Deposits < 1 Year
1,426,012,480
Total Shares and Deposits 1 3 Years
117,430,812
Total Shares and Deposits > 3 Years
30,421,849
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
603,675,395
Total Uninsured Shares and Deposits > $250K (F+J)
624,464,236
Total Insured Shares and Deposits > $250K (item 17 less item K)
949,400,904
Total Interest Expense (Sum of items 6 8)
8,997,125
Share Certificates
7,321
Number of Accounts for Share Drafts
42,069
IRA KEOGH Accounts
2,576
Number of Accounts for Regular Shares
77,605
Non Member Deposits
73
Money Market Shares
10,528
Net Income (unless the amount is already included in Undivided Earnings)
4,200,525
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)
178,173,084
Total Liabilities
1,920,489,591
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Self-Help Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Self-Help Credit Union
Frequently Asked Questions About Self-Help Credit UnionHow 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. Current Self-Help Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Americas Christian Credit Union
Go Energy Financial Credit Union
New Jersey Community Federal Credit Union
Financial Builders Federal Credit Union
Metropolitan Services Credit Union
Mini Cassia Empl Credit Union
Texas Bridge Credit Union
Onomea Federal Credit Union
Harrison Teachers Federal Credit Union
Tuscaloosa VA Federal Credit Union
Marion And Polk Schools Credit Union
Financial Partners Credit Union
Greater Springfield Credit Union
RAPIDES
North Coast Credit Union
Northwest Consumers Federal Credit Union
Spirit of America Federal Credit Union
ONPATH
Kaskaskia Valley Credit Union
Bayou Federal Credit Union
Rincones Presbyterian Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
