Join Us

Why Join?

Self-Help is truly unique among US 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) 


Eligibility and the Application Process

We try to 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?

You can apply for personal membership in Self-Help Credit Union at one of our branches or by mailing in a print application. Online applications are also available for select accounts.

To begin the application process, follow this link:

Apply for Personal Membership


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

Need Assistance?

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