Business Details
43 Years
experience
Emergency
services
Your Trusted Community Credit Union in Durham, NC
Founded in 1980, Self-Help Credit Union has been dedicated to expanding economic opportunity for underserved communities. Our mission centers on creating ownership and financial access for individuals, small businesses, and neighborhoods often overlooked by traditional financial institutions. With over 40 years of experience, we offer a wide range of services including checking and savings accounts, auto and home loans, and financial coaching. Our expertise in community development finance has enabled us to provide over $12 billion in financing to 174,000 borrowers nationwide.As a NCUA-insured credit union, we combine deep industry knowledge with a commitment to ethical lending and financial education. Our team of professionals brings decades of experience in responsible banking, advocacy, and sustainable development. We maintain authoritativeness through our track record of successful mergers, policy influence, and partnerships with local organizations. Trust is built through transparent operations, member ownership, and a consistent focus on long-term community impact.
Services
Checking Accounts
Auto Loans
Home Mortgage Loans
Financial Coaching
Business Accounts
Credit Cards
Personal Loans
Online Banking
IRA Accounts
Certificate Accounts
Details
- Year established: 1983
Highlights and features
- We have over 40 years of experience in community development finance.
- Our NCUA-insured accounts protect deposits up to $250,000.
- We specialize in serving underserved communities and first-time borrowers.
- We offer free financial coaching and personalized member support.
- Our flexible underwriting accommodates credit scores starting at 580.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Checking Accounts
Our personal checking accounts provide unlimited ATM withdrawals, competitive interest rates, and NCUA insurance up to $250,000. Features include mobile banking, bill pay, and debit cards with surcharge-free access. Designed for individuals seeking affordable, reliable banking solutions with flexible fee waivers based on age, direct deposit, or account balances.
Auto Loans
We finance new and used cars, trucks, and motorcycles with special rates for electric and hybrid vehicles. Our loans accommodate various credit profiles, including first-time borrowers. Members receive discounted rates for qualifying EV/PHEV purchases, with flexible terms and access to financial coaching to ensure responsible borrowing.
Home Mortgage Loans
Our mortgage programs offer low and no down payment options, flexible underwriting, and no private mortgage insurance. We specialize in helping first-time homebuyers with credit scores starting at 580. Services include pre-qualification, refinancing, and home equity lines of credit to support long-term wealth building through homeownership.
Financial Coaching
Free personalized financial coaching helps members achieve goals through budgeting, credit improvement, and debt management. Our FICO score reviews and one-on-one sessions provide actionable strategies. Services include homebuyer education and credit counseling to build financial confidence and long-term stability.
Business Accounts
We offer tailored banking solutions for small businesses and nonprofits, including checking accounts, loans, and financial resources. Our services support entrepreneurs through SBA loans, commercial financing, and real estate development. Business members gain access to specialized support and community-focused financial tools.
Questions
What types of accounts does Self-Help Credit Union offer?
We provide checking accounts, savings accounts, certificates, IRAs, and business accounts with competitive rates and member-focused features.
Can I apply for a loan if I have bad credit?
Yes, we offer loans for various credit profiles, including credit builder loans to help improve your credit score.
Are my deposits insured?
Yes, all deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).
Do you offer online banking services?
Yes, we provide online bill pay, mobile check deposit, account management, and loan applications through our digital banking platform.
What areas do you serve?
We operate in North Carolina, South Carolina, Florida, Georgia, Virginia, and offer remote services nationwide.
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