Self-Help Credit Union


Loan Rates
Rates Effective: 01/22/2018
DescriptionLoan-to-Value Maximum Maximum Loan AmountMaximum Term (in months)Annual Percentage Rate
New Vehicles Up to 120%$60, 000723.25% to 16.00%
Used Vehicles ≤ 5 years oldUp to 120% $60,000 724.25% to 16.00%
Used Vehicles > 5 years oldUp to 120% $35,000 604.25% to 16.00%
New & Used Motorcycles Up to 100% $30,000 60 6.25% to 16.00%
MasterCard Standard  $500 to $10,000 Revolving 11.00% to 16.00%
MasterCard Share Secured 100% of share balance $250 to $2,000Revolving 13.50%
Share Secured Loans 100% of share balance  844.0% above rate of share collateral
Certificate Secured Loans 100% of share balance $500 or more 604.0% above rate of share collateral
Fresh Start Loans 100% of share balance $500, $1,000, $1,500 or $2,0006 to 24 4.0% above rate of share collateral
Signature Loans  $10,000 489.50% to 16.00%
Signature Loans with Collateral Up to 90% $15,000 489.50% to 16.00%
Overdraft Line-of-Credit  $250 to $5,000 Revolving10.50% to 16.00%
Home Equity Line-of-Credit80% of appraised value minus first mortgage balance $100,0001806.25% to 7.75%
Annual Percentage Rate may vary depending on creditworthiness. Additional rate discounts may apply for lower LTV’s, automatic loan payments, Term Certificates or IRAs and/or previous loans paid in full satisfactory with Self-Help FCU and its Divisions. Individual applicant’s interest rates are determined by credit score, vehicle year and mileage. Please ask a loan officer for details. All rates and terms are subject to change without notice. The maximum amount of unsecured credit that may be extended to a household is $50,000 including credit cards, lines of credit, and any individual or joint signature loan balance. 
Deposit Rates
Rates Effective: 01/01/2018
TypeMin. to OpenMin. to Earn DividendsDividend Rate*APY**
Savings (all types)$5$100.25%.25%
Youth Accounts (all)$5$25.10%.10%
Checking Growth$0$1,500.10%.10%
Money Market$500$5001.32%1.33%
Money Market$500$500,0001.42%1.43%
IRA Account$100$1001.30%1.31%
All share accounts are variable rate accounts.
Member must maintain $5 par value.


Share Certificates
Rates Effective: 11/01/2017
Term/IRA TermMin. to Open Term/IRAMin. to Earn Dividends Term/IRAAPR*APY**
3 Month(1)$500/$100$500/$100.25%.25%
6 Month(1)$500/$100$500/$100.25%.25%
12 Month$500/$100$500/$1001.30%1.31%
18 Month$500/$100$500/$1001.30%1.31%
24 Month$500/$100$500/$1001.55%1.56%
36 Month$500/$100$500/$1001.80%1.82%
48 Month$500/$100$500/$1001.80%1.82%
60 Month$500/$100$500/$1002.05%2.07%
All term share accounts are fixed rate accounts.  
* APR=Annual Percentage Rate ** APY=Annual Percentage Yield  
(1) Terms not available for IRA Certificates  
All rates are subject to change without notice. Member accounts are insured by the National Credit Union Administration up to $250,000. IRA accounts are additionally insured up to $250,000.


See our fee schedule.

See account and membership disclosures.