Credit union · NCUA insured
Self-Help Credit Union CD Rates
Top CarrotSelf-Help Credit Union’s best CD rate is 4.18% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Self-Help Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Self-Help Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Self-Help Credit Union
4.18%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,307
Green Term Certificate
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Self-Help Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.98%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo4.18%
- QualifiedQualified4.18%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Self-Help Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Go Local Term Certificate
Up to 4.18%APY · 8 terms
$500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.15% | $7 |
| 12 months | 3.98% | $398 |
| 18 months | 3.98% | $603 |
| 24 months | 4.08% | $833 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.18% | $2,272 |
Sources (2)
All captured Oct 15, 2026
Green Term Certificate
Up to 4.18%APY · 8 terms
$500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.15% | $7 |
| 12 months | 3.98% | $398 |
| 18 months | 3.98% | $603 |
| 24 months | 4.08% | $833 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.18% | $2,272 |
Sources (2)
All captured Oct 15, 2026
Term Certificates
Up to 4.18%APY · 8 terms
Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.15% | $7 |
| 12 months | 3.98% | $398 |
| 18 months | 3.98% | $603 |
| 24 months | 4.08% | $833 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.18% | $2,272 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Term Certificate
Up to 4.18%APY · 6 terms
Can be held in Traditional or Roth IRA. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.98% | $398 |
| 18 months | 3.98% | $603 |
| 24 months | 4.08% | $833 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.18% | $2,272 |
Sources (1)
- self-help.org/rates/account-rates · captured Oct 15, 2026
Women & Children Term Certificate
Up to 4.18%APY · 8 terms
Terms 3 to 60 months. Shares rates with standard term certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.10% | $2 |
| 6 months | 0.15% | $7 |
| 12 months | 3.98% | $398 |
| 18 months | 3.98% | $603 |
| 24 months | 4.08% | $833 |
| 36 months | 4.18% | $1,307 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.18% | $2,272 |
Sources (2)
All captured Oct 15, 2026
Who can join Self-Help Credit Union
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