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Self-Help Credit Union

Rates

Loan Rates
Rates Effective: 5/1/2025
DescriptionLoan-to-Value Maximum Maximum Loan AmountMaximum Term (in months)Annual Percentage Rate
New Vehicles Up to 120%$75, 000846.25% to 12.25%
Used Vehicles ≤ 5 years oldUp to 120% $75,000 847.00% to 15.00%
Used Vehicles > 5 years oldUp to 120% $40,000 727.00% to 15.00%
New & Used Motorcycles Up to 100% $30,000 60 9.75% to 15.75%
New & Used RVsUp to 90%$100,0001448.25% to 11.75%
Mastercard Standard  $500 to $10,000 Revolving 14.00% to 16.00%
Mastercard Share Secured 100% of share balance $250 to $5,000Revolving 16.00%
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 4812.50% to 16.00%
Signature Loans with Collateral Up to 90% $50,000 4811.50% to 16.00%
Overdraft Line-of-Credit  $250 to $5,000 Revolving13.50% to 16.00%
Home Equity Line-of-Credit80% of appraised value minus first mortgage balance $250,0002408.50% to 9.25%
Solar Loans90% of estimated value minus any mortgage balances$100,0002405.75% to 14.00%
Energy Saver Loans $50,0001805.75% to 13.75%

Rate Discounts

An interest rate reduction of 0.25% to 0.50% can be applied to auto loans, motorcycle loans, signature loans and signature loans with collateral when any one of the following Self-Help FCU “relationship-based” conditions are met:

  • Purchase of an EV or PHEV vehicle.
  • Loan-to-value (LTV) of less than 90%.
  • Combined existence or establishment of direct deposit, share-to-loan transfer and eStatements.
  • Existence or establishment of a term certificate or IRA in the amount of $5,000 or more.
  • Proof of previous loan in the amount of $1,500 or more paid on time and in full with at least 12 months of payment history and no 30+ day delinquency. 
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: 5/1/2025
TypeMin. to OpenMin. to Earn DividendsDividend Rate*APY**
Savings (all types)$5$100.30%.30%
Youth Accounts (all)$5$25.10%.10%
Access Checking$0$0.10%.10%
Personal Checking$0$0.10%.10%
Money Market$500$5002.09%2.11%
IRA Account$100$1004.00%4.08%
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: 5/1/2025
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/$1004.00%4.08%
18 Month$500/$100$500/$1003.80%3.87%
24 Month$500/$100$500/$1003.60%3.67%
36 Month$500/$100$500/$1003.30%3.35%
48 Month$500/$100$500/$1003.30%3.35%
60 Month$500/$100$500/$1003.30%3.35%

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.

 

Account Agreement and Truth-in-Savings Disclosure: English Spanish
Schedule of fees: English Spanish