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Branch Hours

Our Hendersonville, NC branch will be Drive-Thru only today (1/14).

Due to staffing shortages, our Jacksonville, FL (21 W Church St Suite 102) and our Durham, NC (123 W Main St) will be closed today (1/14). Please contact Member Services at (800) 966-7353 for assistance.

COVID-19 Update

In accordance with current public health guidelines, a face covering must be worn by anyone entering a Self-Help branch. Before going to a branch, please check here for up-to-date information on all our locations.

Rates & Disclosures

Rates effective as of January 1, 2022.

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

Account Rates

Account	APR*	APY*
Personal Checking	0.10%	0.10%
Savings Account	0.15%	0.15%
Club Account	0.15%	0.15%
Money Market	0.20%	0.20%
Small Business Checking	0.05%	0.05%
Nonprofit Checking	0.05%	0.05%

Term Certificate Rates

Term	APR*	APY**
3 Months	0.10%	0.10%
6 Months	0.15%	0.15%
12 Months	0.40%	0.40%
18 Months	0.40%	0.40%
24 Months	0.45%	0.45%
36 Months	0.55%	0.55%
48 Months	0.55%	0.55%
60 Months	0.60%	0.60%

Individual Retirement Accounts (IRAs) Rates

Term	APR*	APY**
12 Months	0.40%	0.40%
18 Months	0.40%	0.40%
24 Months	0.45%	0.45%
36 Months	0.55%	0.55%
48 Months	0.55%	0.55%
60 Months	0.60%	0.60%
IRA Savings	0.40%	0.40%

Loan Rates

Type of Loan	Rates
New Car (up to 72 months)	2.75% to 12.50%
Used Car - less than 100,000 Miles (up to 72 months)	3.50% to 13.25%
Used Car - greater than 100,000 Miles (up to 48 months)	5.50% to 15.25%
Motorcycles (up to 60 months)	6.25% to 16.00%
Share-Secured	Account Rate + 4.00%
Signature- Unsecured (up to 48 months)	9.00% to 16.00%
Overdraft Line of Credit	10.00% to 16.00%
Credit Card (Depending on credit worthiness)	9.75% to 14.25%
Home Equity Line of Credit - HELOC (80% or less- combined loan-to-value CLTV)	5.00% to 8.50%

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

View current Fee Schedule.

View current Master Account Agreement & Disclosures (membership booklet).