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Branch Delays

Due to inclement weather, our Laurinburg, NC and Kinston, NC branches will open at 10AM tomorrow, and our Wilmington, NC branch will open at 12PM tomorrow, Thursday, January 23. Please contact Member Services at (800) 966-7353 for assistance.

Rates & Disclosures

Rates effective as of January 1, 2025.

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
 0.30% 0.30%
Club Account 0.30% 0.30% 
Money Market
 2.40% 2.43%
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 4.00% 4.08%
18 Months 3.80% 3.87%
24 Months 3.60% 3.67%
36 Months 3.30% 3.35%
48 Months 3.30% 3.35%
60 Months 3.30% 3.35%

Individual Retirement Account (IRA) Rates

Term APR* APY**
12 Months 4.00% 4.08%
18 Months 3.80% 3.87%
24 Months 3.60% 3.67%
36 Months 3.30% 3.35%
48 Months 3.30% 3.35%
60 Months 3.30% 3.35%
IRA Savings 4.00% 4.08%

Loan Rates

Type of Loan APR* 
New Car
(up to 84 months)		 6.75% to 12.75%
Used Car - less than 100,000 Miles
(up to 84 months)		 7.50% to 13.50%
Used Car - greater than 100,000 Miles
(up to 72 months)		 9.50% to 15.50%
Motorcycles
(up to 60 months)		 10.25% to 16.25%
Recreational Vehicles
(up to 144 months)		 8.75% to 12.25%
Credit Builder Loans Share Collateral Rate + 4.00%
Share-Secured Account Rate + 4.00%
Certificate Secured Loans CD Collateral Rate + 4.00%
Signature- Unsecured
(up to 48 months)		 13.00% to 16.00%
Signature Loans with Collateral
(up to 48 months)		 12.00% to 16.00%
Overdraft Line of Credit 14.00% to 16.00%
Credit Card
(Depending on credit worthiness)		 14.00% to 16.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)		 8.50% to 9.25%
Energy Saver Loans
(up to 180 months)		 6.00% to 14.00%
Solar Loans
(up to 240 months)		 6.00% to 14.25%

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 CU “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.

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

View current Fee Schedule.

Account Agreement and Disclosures: English Spanish