Member deposit accounts are federally insured up to $250,000 by the National Credit Union Administration. A member’s deposits held in multiple credit union divisions of Self-Help Credit Union may not be considered insured as separate accounts. Therefore, the maximum allowable legal limit of deposit insurance coverage may be applied to all such accounts combined.
Regular Checking (portion of balance greater than $2,500)
0.37
0.37
Premium Checking (rate applies to the entire balance when the amount on deposit in the account is $2,500 or more)
0.37
0.37
Money Market
0.87
0.87
Health Savings Account
1.05
1.06
Term (Share) Certificates ($500 minimum)
3-month term
0.75
0.75
6-month term
0.75
0.75
12-month term
1.05
1.06
18-month term
1.05
1.06
24-month term
1.25
1.26
36-month term
1.50
1.51
48-month term
1.75
1.77
60-month term
1.75
1.77
IRA Accounts
IRA Savings ($100 minimum)
1.05
1.06
IRA Certificates ($500 minimum)
12-month term
1.05
1.06
18-month term
1.05
1.06
24-month term
1.25
1.26
36-month term
1.50
1.51
48-month term
1.75
1.77
60-month term
1.75
1.77
Loan Rates
New Car (up to 84 months)
5.00% to 15.25%
Used Car- 5 years old or newer (up to 72 months)
6.00% to 16.00%
Used Car- greater than 5 years old (up to 48 months)
7.00% to 16.00%
RVs, Motorcycles, Boats (up to 72 months)
7.50% to 14.50%
Share Secured
Account Rate + 4%
Signature- Unsecured
8.50% to 16.00%
Overdraft Line of Credit
9.50% to 16.00%
Visa Credit Card
(ask us)
Home Equity Loan (90% or less- combined loan-to-value CLTV)
6.00% to 10.50%
Land Loans
(ask us)
Credit union interest rates are subject to change daily.
For descriptions of the products listed above, go to the Deposit Accounts and Loans sections of this website.
You will also find information on these specialty products:
F.U.N. Club Account - This youth savings account carries the same dividend rate as the Regular Savings Account. Click on the account name for more information.
Health Savings Account - This targeted savings account has a rate structure that allows the account to yield a dividend that is often slightly higher than the Regular Savings Account. Click on the account name for more information.
Please contact the credit union if you do not see the loan or deposit product you are looking for on this website.
