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Self-Help Credit Union

Account Services

Don't Miss Important Financial Information -- Stay in Touch!

Please remember to update your contact information whenever you get a new address or phone number. A wrong home address or expired email address may mean you miss important account information. Also, if there's an email address or any other information we didn't receive when you first joined us, please take a moment to give us a call or update your account information online.

When you're enrolled in online banking, it's especially important to to make sure we have your current physical address, phone number and email address. It's easy and convenient to update your contact information online. If you have questions, please give us a call and we'll walk you through it.

Popular Account-Related Services

Credit Report Reviews

In most cases your credit score is a major factor in your ability to get a loan and how much it costs. An overlooked or incorrect item on your credit report can negatively affect your credit score and your ability to get an affordable loan. We're available to meet with you to review your credit report before getting a loan from us or anyone else. Contact one of our loan officers when you are ready for a review.

To get your credit report, contact one of the three credit reporting bureaus listed below. If you have been denied credit, you have the right to receive a free copy of your credit report, and each of the three credit reporting agencies will provide you with a free copy if you have been declined within 60 days. Additionally, U.S. Federal law allows you to obtain a free credit report each year. Use the contact information below to learn more, and to order your annual credit report.

Equifax: 800-685-1111

Experian: 888-397-3742

TransUnion: 800-888-4213
U.S. Federal Trade Commission:

Annual Credit Report Request Service

PO Box 105281, Atlanta GA 30348-5281

Call: 877-322-8228
Options for Covering Overdrafts (Insufficient Funds)

Transfer from Savings

 Upon request, we can link your primary checking account to your designated Self-Help FCU source account--usually a savings account. Funds from the source account are paid out when there are insufficient funds in your checking account. The entire balance of the source account is accessible for overdraft transfer payments, if needed.

Overdraft Line of Credit

 Overdraft line of credit is a loan from Self-Help FCU designed to cover insufficient funds in your Self-Help FCU checking account. The overdraft line of credit will cover unpaid balances up to an approved amount. To be approved for an overdraft line of credit you must qualify under Self-Help FCU's loan approval guidelines.

Fees, Disclosures and Services

Schedule of Fees

View the current schedule of fees in English or Spanish (and how to avoid them) for Self-Help Federal deposit accounts, electronic services, cards and in-branch services. Contact a branch for information about loan fees and charges.

Effective March 1, 2022, Self-Help Federal Credit Union will no longer charge a fee for non-sufficient funds (NSF)

Effective July 1, 2021, Self-Help Federal Credit Union and its divisions are making certain changes to its fees and checking account products in an effort to make things simpler and easier for our members. The Fee Schedule can be found in here in English or Spanish. The Account Agreement and Truth-in-Savings Disclosure is available in English or Spanish.

Membership & Account Disclosures

View the terms and conditions of SHFCU membership, deposit accounts and electronic services including:

  • Membership Eligibility
  • Account Agreement
  • Truth-in-Savings Disclosure
  • Funds Availability Policy
  • Electronic Fund Transfer Agreement

Also available for viewing is the SHFCU Privacy Policy. You will receive the latest rate information when you open a deposit account.

Questions? Contact the SHFCU Call Center at 877.369.2828 with a question about any of the following services, or if you have a concern about any other services.

  • Automatic draft (ACH)
  • Automatic transfer
  • Cards (also view the Card Services page of our website for contact numbers)
  • Check ordering
  • Direct deposit
  • Loan payments
  • Online banking (also view the Online Banking page of our website for contact numbers)
  • Statements
account services

Don't Miss Important Financial Information - Stay up to Date!

Please remember to update your contact information whenever you get a new address or phone number. A wrong home address or expired email address may mean you miss important account information. Also, if there's an email address or any other information we didn't receive when you first joined us, please take a moment to give us a call or update your account information online.

When you're enrolled in online banking, it's especially important to to make sure we have your current physical address, phone number and email address. It's easy and convenient to update your contact information through our online banking site. If you have questions, please give us a call and we'll walk you through it.