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Earn Risk-Free Returns & support communities

Our term certificates offer higher rates on longer terms, ranging from three months to five years. This allows you to save strategically on a timetable that works for you while investing in Self-Help's mission to build stronger communities. Funds are NCUA-insured. 

  • Higher dividend rates than standard savings accounts
  • Increased rates on longer-term certificates
  • Guaranteed returns for the length of your term
  • $500 minimum deposit to open
  • Terms range from three months to five years
  • Funds are NCUA-insured (up to $250K) to protect your investment
  • Early withdrawal penalties apply*

Business and non-profit members also can invest in our community-friendly term certificates:

  • Green Term Certificate
  • Women & Children Term Certificate
  • Go Local Term Certificate (Western N.C. only)
*90 days on terms of 12 months or less. 180 days on terms greater than 12 months.
business terms