Join Us

Self-Help is more than a credit union; we're a cooperative community driven by the mission of greater economic opportunity. We make it easy for you to become a Self-Help Credit Union member.

Who is Eligible to Join?

You are eligible to join if you (any one of the following):

  • Live, work, worship or attend school in any of our eligible counties.
  • Meet our family or employer affiliation criteria.
  • Are, or become, a member of the Center for Community Self-Help.

A $5 fee (non-refundable and tax-deductible) is required for membership in the Center for Community Self-Help.

See our eligibility page for details on membership eligibility. 

How to Join?

To apply for a Personal Membership:

Complete and Mail in
a Membership Application

Apply Online


Visit a branch nearest you


To apply for a business or non-profit membership, please visit our business application page.

Why Join?

Self-Help is truly unique among U.S. financial institutions.

  • We are a mission-driven, multi-state organization made up of two credit unions, a nonprofit loan fund and an advocacy group.
  • We are a nonprofit organization, which means our earnings and revenue mainly provide for the financial services needs of our members through loans, returns on interest-earning deposit accounts and other organizational lines of business.

Learn more by visiting the Who We Are and the What We Do sections of our website.

shfcu-graphic-for-joinusMembership in Self-Help Credit Union gives individuals, businesses, nonprofit organizations and others:

  • Access to fair and affordable loans and deposit accounts
  • Convenient online services that include mobile banking, online banking, and audio banking
  • Branch and ATM networks that include our own facilities and terminals in Western, Central and Eastern North Carolina (additionally, our participation in the CO-OP Shared Branch and CO-OP ATM networks greatly expands access for members to include thousands of other locations and outlets, nationwide) 


Need Assistance?

For assistance with becoming a member or opening an account, contact our Call Center at 800.966.7353