Term Certificates (CDs)

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A Term Certificate (CD) offers you peace of mind with a guaranteed dividends (interest earned) and the flexibility to choose a term that fits your investment needs. 

Self-Help offers a variety of term certificate investment options. 

• $500 minimum investment
• Terms ranging from 3 months to 5 years
• You choose whether you want to receive dividends (monthly or quarterly), or whether dividends should be reinvested in your account
  
• Penalty for early withdrawal is ½ the interest for the term of the certificate

  Please note that interest rates offered on term certificates change daily, and that your term certificate will receive the rate in effect on the date that we receive your deposit.

All standard CD deposits help fuel Self-Help's mission to create ownership and economic opportunity. You may also choose the following specialty CDs to support your specific interest:

Child Care Term Certificate (CD)

Self-Help supports quality child care by providing attractive loans and technical assistance to those seeking to build or improve child care facilities.  When you invest in a Child Care term certificate, your savings will be invested in buildings, equipment and educational materials that improve child care operations.  Over the years, Self-Help has made hundreds of loans to child care providers – touching the lives of tens of thousands of children.

Self-Help is a national leader in the practice of financing community development projects that also preserve our natural resources. By opening an Environmental term certificate, you will support Self-Help's lending to a wide range of sustainable development projects.  These projects prove that environmental concerns can be integrated with economic and social equity goals to produce triple bottom line results.  Self-Help makes loans and provides technical assistance to environmental businesses and non-profits involved in recycling, sustainable agriculture/organic farms, sustainable forestry, land conservation, eco-tourism, solar and renewable energy, green retail, and environmental technology.   In addition, our real estate development activities use green building practices whenever possible to decrease resource usage and make buildings healthier. 

Child Care and Environmental term certificates pay the same interest rates as Self-Help’s standard term certificates, and are available only to members of Self-Help Credit Union)  

Economic Development Term Certificate (CD)
An Economic Development term certificate allows you to opt for a "below market" certificate rate.  By choosing a lower rate, you allow Self-Help to increase outreach to our borrowers and bring ownership and economic opportunity to more low-wealth families.   A Self-Help representative will help you choose a rate.

Your savings at Self-Help Credit Union and Self-Help Federal Credit Union are federally insured by the National Credit Union Administration (the equivalent of the FDIC for credit unions) up to the $250,000 limit.