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Access to our online banking, mobile banking and audio banking sites will be unavailable from Saturday, June 1 at 10:00 PM until Sunday, June 2 at 6:00 AM (Pacific Time). 
Self-Help Credit Union

GoLocal Bay Area Term Certificate

Supporting projects in the Bay AreaGo Local Term Certificate

At Self-Help Federal Credit Union, our mission is to build community wealth for all. With 22,500 active members in the Bay Area, we work to support local community economic development projects throughout the Bay. Over the last decade, we've provided over $360 million in loans throughout the greater Bay Area region. Some of our accomplishments include:

  • Helping over 1,022 families become homeowners through our affordable home lending program.

  • Providing over 3,981 Fresh Start Loans to help members improve their credit scores.

  • Serving communities ignored and underserved by mainstream banks -- 84% of our loans
    have gone to low-income households and 77% to people of color.

As a certified Community Development Financial Institution (CDFI), we pride ourselves in deploying capital to maximize impact in underserved communities. We leverage all of our deposits to responsibly lend to individuals and organizations in the Bay Area, back to you: our members.

If you are interested in investing in the Bay Area, we can help you put your money directly into local projects through our GoLocal Bay Area CD (Term Certificate).



Benefits of Our Term Certificates:

  • Federally insured by NCUA up to $250,000 per certificate.
  • Terms range from 3 months to 5 years.
  • $500 minimum deposit to open.
  • Directly invested in a community you care about.
  • View our rates.

To learn more, contact our Investor Relations Team team: or 1-800-959-7633.

Also, consider visiting one of our Bay Area branches. We have locations in:

  • Napa
  • Pittsburg
  • San Francisco
  • San Jose
  • Vallejo
  • West Oakland

You can find your local branch here.

Consider following us on social media:

Facebook  Twitter  LinkedIn  Instagram

How to Apply

Existing Members

Existing members can apply for Term Certificates by visiting one of our branches or by mailing in a printed application.

New Members

Not a member yet? No problem. Visit our "Join Us" page to learn about eligibility and how to join Self-Help Federal Credit Union.