Skip to Content
High-Yield Term Certificates
Let your refund fund your future.
Maximize the benefits of your tax return by placing it in a high-yield term certificate.
You can earn a competitive dividend in an account where funds will remain available if needed in an emergency.

Self-Help offers a variety of term certificates that can turn your tax refund into future revenue.
Open an Account

 

 

Your deposit dollars support our mission of creating economic opportunity for low-wealth families, individuals, and communities. 

1-year Certificate
3.87% APY*
Learn More
3-year Certificate
3.35% APY*
Learn More
Money Market
3.15% APY*
Learn More
Benefits of Self-Help Term Certificates
  • Higher dividend rates than standard savings accounts.
  • Increased rates on longer-term certificates
  • Guaranteed returns for the length of your term
  • Terms range from 3 months to 5 years
  • Funds are NCUA-insured (up to $250,000) to protect your investment
  • $500 minimum deposit to open
  • Early withdrawal penalties may apply 

Money Market Accounts

Want to earn while having easy access to your money? Our Money Market accounts combine competitive rates with up to 6 free withdrawals per month. Learn more.