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Rates & Disclosures

Rates effective as of April 1, 2025.

Scroll to the bottom of this page to access links to view fees and other disclosures.

Account Rates

Account APR* APY*
Personal Checking
 0.10% 0.10%
Savings Account
 0.30% 0.30%
Club Account 0.30% 0.30% 
Money Market
 2.10% 2.12%
Small Business
Checking		 0.05% 0.05%
Nonprofit Checking 0.05% 0.05%

Term Certificate Rates

Term APR* APY**
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 4.00% 4.08%
18 Months 3.80% 3.87%
24 Months 3.60% 3.67%
36 Months 3.30% 3.35%
48 Months 3.30% 3.35%
60 Months 3.30% 3.35%

Individual Retirement Account (IRA) Rates

Term APR* APY**
12 Months 4.00% 4.08%
18 Months 3.80% 3.87%
24 Months 3.60% 3.67%
36 Months 3.30% 3.35%
48 Months 3.30% 3.35%
60 Months 3.30% 3.35%
IRA Savings 4.00% 4.08%

Loan Rates

Type of Loan APR* 
New Car
(up to 84 months)		 6.25% to 12.25%
Used Car - less than 100,000 Miles
(up to 84 months)		 7.00% to 15.00%
Used Car - greater than 100,000 Miles
(up to 72 months)		 7.00% to 15.00%
Motorcycles
(up to 60 months)		 9.75% to 15.75%
Recreational Vehicles
(up to 144 months)		 8.25% to 11.75%
Credit Builder Loans Share Collateral Rate + 4.00%
Share-Secured Account Rate + 4.00%
Certificate Secured Loans CD Collateral Rate + 4.00%
Signature- Unsecured
(up to 48 months)		 12.50% to 16.00%
Signature Loans with Collateral
(up to 48 months)		 11.50% to 16.00%
Overdraft Line of Credit 13.50% to 16.00%
Credit Card
(Depending on credit worthiness)		 14.00% to 16.00%
Home Equity Line of Credit - HELOC
(80% or less- combined loan-to-value CLTV)		 8.50% to 9.25%
Energy Saver Loans
(up to 180 months)		 5.75% to 13.75%
Solar Loans
(up to 240 months)		 5.75% to 14.00%

Rate Discounts

An interest rate reduction of 0.25% to 0.50% can be applied to auto loans, motorcycle loans, signature loans and signature loans with collateral when any one of the following Self-Help CU “relationship-based” conditions are met:

  • Purchase of an EV or PHEV vehicle.
  • Loan-to-value (LTV) of less than 90%.
  • Combined existence or establishment of direct deposit, share-to-loan transfer and eStatements.
  • Existence or establishment of a term certificate or IRA in the amount of $5,000 or more.
  • Proof of previous loan in the amount of $1,500 or more paid on time and in full with at least 12 months of payment history and no 30+ day delinquency.

* APR = Annual Percentage Rate
** APY = Annual Percentage Yield

View current Fee Schedule.

Account Agreement and Disclosures: English Spanish