Term Certificates (CDs)


Earn Great Dividends and Help Build Stronger Communities

Open a Term Certificate (CD) with a deposit of $500 or more and earn competitive dividends. Terms range from three months to 5 years. Specialty CDs are also available that reflect your support for specific initiatives, like supporting sustainable businesses or loans for women entrepreneurs. Penalties apply for early withdrawal.

Benefits of Self-Help Term Certificates

  • Higher dividend rates than standard savings accounts. View rates.
  • 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 apply -- 90 days on terms of 12 months or less; 180 days on terms greater than 12 months
term certs

How to Apply

Existing Members

Existing members can apply for our CDs by visiting one of our branches, or by mailing a printed certificate application.

New Members

Not a member yet? No problem. Visit our Join Us page to learn about eligibility and how to join Self-Help Credit Union.