Self-Help Credit Union

Rates


Loan Rates
Rates Effective: 04/01/2017
DescriptionLoan-to-Value Maximum Maximum Loan AmountMaximum Term (in months)Annual Percentage Rate
New Vehicles Up to 100% of lower sales price MSRP < $10,000
≤ $10,000 to < $20,000
≤ $20,000 to < $30,000
≤ $30,000 to ≤ $50,000
48
60
72
84
2.75% to 14.25%
Used Vehicles ≤ 5 yrs oldUp to 100% of lower sales price or KBB retail < $5,000
≤ $5,000 to < $10,000
≤ $10,000 to < $25,000
≤ $25,000 to ≤ $50,000
36
48
60
72
3.75% to 14.75%
Used Vehicles > 5 yrs old
Used Vehicles > 10 yrs old
Up to 100% of lower sales price or KBB retail < $5,000
≤ $5,000 to < $10,000
≤ $10,000 to ≤ $25,000
$15,000
36
48
60
72
3.75% to 14.75%
RV's (travel trailer, motor home, jet ski, ATV) & New & Used Boats 75% of lower sales price or MSRP/KBB retail < $5,000
≤ $5,000 to < $10,000
≤ $10,000 to < $25,000
≤ $25,000 to ≤ $60,000
36
48
60
72
6.75% to 13.40%
New & Used Motorcycles 80% of lower sales price or MSRP/KBB retail < $5,000
≤ $5,000 to < $10,000
≤ $10,000 to ≤ $30,000
36
48
60
5.75% to 16.00%
MasterCard Standard  $500 to $10,000 Revolving 10.25% to 16.75%
MasterCard Share Secured 100% of share balance $500 to $10,000 Revolving 12.75%
Share Secured Loans 100% of share balance < $1,000
≤ $1,000 to < $2,000
> $2,000
12
18
24
4.0% above rate of share collateral
Certificate Secured Loans 100% of share balance $500 or more 84 4.0% above rate of share collateral
Fresh Start Loans 100% of share balance $500 or $1,000 6 to 24 4.0% above rate of share collateral
Signature Loans  < $1,500
≤ $1,500 to < $5,000
≤ $5,000 to < $7,500
≤ $7,500 to ≤ $10,000
12
24
36
48
8.50% to 16.00%
Overdraft Lines-of-Credit  $250 to $5,000 Revolving9.50% to 16.00%
Home Equity Line-of-Credit80% of appraised value minus first mortgage balance$100,0001805.75% to 7.25%
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. Please ask a loan officer for details regarding how our rates are determined. All rates and terms are subject to change without notice. The maximum amount of unsecured credit that may be extended to a household is $20,000 including credit cards, lines of credit, and any individual or joint signature loan balance. No member household may owe more than $75,000 to the Credit Union, excluding the balances of share/term certificate-secured loans and any real estate-secured loans.
Deposit Rates
Rates Effective: 06/01/2017
TypeMin. to OpenMin. to Earn DividendsDividend Rate*APY**
Savings (all types)$5$100.10%.10%
Youth Accounts (all)$5$25.10%.10%
Checking Growth$0$1,500.10%.10%
Money Market$500$5001.30%1.31%
Money Market$500,000$500,0001.40%1.41%
IRA Account$100$1001.05%1.06%
All share accounts are variable rate accounts.
Member must maintain $5 par value.

 

Share Certificates
Rates Effective: 01/01/2017
Term/IRA TermMin. to OpenTerm/IRAMin. to Earn DividendsTerm/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/$1001.05%1.06%
18 Month$500/$100$500/$1001.30%1.31%
24 Month$500/$100$500/$1001.30%1.31%
36 Month$500/$100$500/$1001.55%1.56%
48 Month$500/$100$500/$1001.80%1.81%
60 Month$500/$100$500/$1001.80%1.81%
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.