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Self-Help Credit Union

Rates

Rates effective as of June 1, 2026.

Scroll to the bottom of this page to access links to view fees and other disclosures.

Loan Rates

Type of Loan APR* 
New Car
(up to 84 months)		 6.25% to 12.25%
Used Car - less than 100,000 Miles
(up to 84 months)		 7.00% to 15.00%
Used Car - greater than 100,000 Miles
(up to 72 months)		 7.00% to 15.00%
Motorcycles
(up to 60 months)		 9.75% to 15.75%
Recreational Vehicles
(up to 144 months)		 8.25% to 11.75%
Credit Card
(Depending on credit worthiness)		 13.25% to 16.00%
Share-Secured Account Rate + 4.00%
Certificate Secured Loans CD Collateral Rate + 4.00%
Fresh Start Loans
 Share Collateral Rate + 4.00%
Signature- Unsecured
(up to 48 months)		 12.50% to 16.00%
Signature Loans with Collateral
(up to 48 months)		 11.50% to 16.00%
Overdraft Line of Credit 13.50% to 16.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)		 7.75% to 8.50%
Solar Loans
(up to 240 months)		 5.75% to 14.00%
Energy Saver Loans
(up to 180 months)		 5.75% 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. 

 

  

Rates effective as of May 1, 2026.

Account Rates

Account APR* APY**
Personal Checking
 0.10% 0.10%
Savings Account
 0.30% 0.30%
Youth Savings Account
 0.30% 0.30%
IRA Savings Account 3.65% 3.72%
Money Market
 1.60% 1.61%
Small Business Checking 0.10% 0.10%
Nonprofit Checking 0.10% 0.10%

All share accounts are variable rate accounts.

Member must maintain $5 par value.

 

Term Certificate Rates

Term APR* APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 3.65% 3.72%
18 Months 3.70% 3.77%
24 Months 3.70% 3.77%
36 Months 3.75% 3.82%
48 Months 3.75% 3.82%
60 Months 3.75% 3.82%

Individual Retirement Account (IRA) Rates

Term APR* APY**
12 Months 3.65% 3.72%
18 Months 3.70% 3.77%
24 Months 3.70% 3.77%
36 Months 3.75% 3.82%
48 Months 3.75% 3.82%
60 Months 3.75% 3.82%

All term share accounts are fixed rate accounts.  

* APR=Annual Percentage Rate ** APY=Annual Percentage Yield    

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