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Mission Branch

The San Francisco Mission branch is currently closed, due to the recent storms in the area.  If you need to make a transaction, you can use our onlinemobile, or audio banking features, or call our contact center at 877.369.2828.  We also have two other locations in the Bay Area.  We apologize for the inconvenience.

System Maintenance
Due to system maintenance, online and mobile banking will be unavailable on Sunday, Oct. 31st from 6:00am PDT thru 12:00pm PDT. Card services will also be limited during this time. We apologize for any inconvenience.
Self-Help Credit Union


Loan Rates
Rates Effective: 10/7/2021
DescriptionLoan-to-Value Maximum Maximum Loan AmountMaximum Term (in months)Annual Percentage Rate
New Vehicles Up to 120%$60, 000722.75% to 15.50%
Used Vehicles ≤ 5 years oldUp to 120% $60,000 723.50% to 16.00%
Used Vehicles > 5 years oldUp to 120% $35,000 603.50% to 16.00%
New & Used Motorcycles Up to 100% $30,000 60 6.25% to 16.00%
Mastercard Standard  $500 to $10,000 Revolving 9.75% to 12.25%
Mastercard Share Secured 100% of share balance $250 to $2,000Revolving 12.25%
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  $50,000 489.00% to 16.00%
Signature Loans with Collateral Up to 90% $50,000 488.00% to 15.50%
Overdraft Line-of-Credit  $250 to $5,000 Revolving10.00% to 16.00%
Home Equity Line-of-Credit80% of appraised value minus first mortgage balance $150,0002405.00% to 6.50%
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: 10/1/2021
TypeMin. to OpenMin. to Earn DividendsDividend Rate*APY**
Savings (all types)$5$100.15%.15%
Youth Accounts (all)$5$25.10%.10%
Access Checking$0$0.10%.10%
Personal Checking$0$0.10%.10%
Money Market$500$500.18%.18%
IRA Account$100$100.40%.40%
Business Checking$0$0.05%.05%
Non-Profit Checking$0$0.05%.05%
All share accounts are variable rate accounts.
Member must maintain $5 par value.


Share Certificates
Rates Effective: 10/1/2021
Term/IRA TermMin. to Open Term/IRAMin. to Earn Dividends Term/IRAAPR*APY**
3 Month(1)$500/$100$500/$100.10%.10%
6 Month(1)$500/$100$500/$100.15%.15%
12 Month$500/$100$500/$100.40%.40%
18 Month$500/$100$500/$100.40%.40%
24 Month$500/$100$500/$100.45%.45%
36 Month$500/$100$500/$100.55%.55%
48 Month$500/$100$500/$100.55%.55%
60 Month$500/$100$500/$100.60%.60%
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 account and membership disclosures.
Schedule of fees: English Spanish