2024 Overview
General Credit Union Information
Self-help is an NCUA insured institution located in Durham, NC. It was founded in 1983 and has approximately $1805.42 millions in assets.
Who can join?
There are two ways to become a member:
1. Apply for free membership if you live, work, worship, or attend school in any of the following North Carolina counties: Brunswick, Buncombe, Forsyth, Greene, Guilford, Haywood, Henderson, Jackson, Lenoir, New Hanover, Polk, Scotland, Transylvania, Wilson. (Eligibility extends to immediate family of members.)
2. Apply for mission supportive membership by joining our founding charitable sponsor, the Center for Community Self-Help, for a one-time $5 fee.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66258 |
| Date Established | 1983 |
| Assets | $1,805.42 million |
| Loans | $1,575.04 million |
| Deposits | $1,258.94 million |
| Capital | $499.29 million |
Field of Membership Restrictions
Membership in Self-Help Credit Union is open to anyone through joining the Center for Community Self-Help ($5 membership fee). Membership is also open to those live, work, worship, or attend school in Washington, Hyde, Beaufort, or over other 40 counties in North Carolina.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.30% | $0 | - |
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|
|
Money Market
|
3.15% | $500 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $500 | - |
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|
| 12 Mo CD
|
3.87% | $500 | - |
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|
| 18 Mo CD
|
3.87% | $500 | - |
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|
| 24 Mo CD
|
3.67% | $500 | - |
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|
| 36 Mo CD
|
3.35% | $500 | - |
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|
| 48 Mo CD
|
3.35% | $500 | - |
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|
| 60 Mo CD
|
3.35% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
3.87% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | - | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Self-help
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.955% | 6.875% | 0.63 | $2,594 | $2,103 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 10.625 % After Intro: 10.625 % |
$0 |
Learn More
More Info |
Note to Self-help
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Self-help branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Self-help Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 253.48 | A | View Lobby Hours | |
| 300.25 | B | View Lobby Hours | |
| 302.67 | C | View Lobby Hours | |
| 309.47 | D | View Lobby Hours | |
| 313.43 | E | View Lobby Hours | |
| 318.65 | F | View Lobby Hours | |
| 321.92 | G | View Lobby Hours | |
| 323.01 | H | View Lobby Hours | |
| 324.55 | I | View Lobby Hours | |
| 349.58 | J | View Lobby Hours | |
| 373.54 | K | View Lobby Hours | |
| 396.42 | L | View Lobby Hours | |
| 404.65 | M | View Lobby Hours | |
| 421.72 | N | View Lobby Hours | |
| 479.17 | O | View Lobby Hours | |
| 479.87 | P | View Lobby Hours |
Climate Policy and Initiatives
SELF-HELP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Self-help Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Self-help. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Self-help | U.S. Average |
|---|---|
| 3.01% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Self-help had $15,449,005 in non-current loans and $153,477 in owned assets. To cover these potential losses it had $499,291,433 in net worth and $19,711,981 in loans loss reserves. That gives it a Texas Ratio of 3.01%.
Net Worth
| Self-help | U.S. Average |
|---|---|
| 27.36% | 13.93% |
Self-help FCU has a net worth of 27.36% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Self-help
Asheville Saver
December 30, 2018 |
Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in.
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