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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.



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

1-year Certificate
4.50% APY*
3-year Certificate
4.08% APY*
Money Market
3.32% APY*
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.