Credit union · NCUA insured
Self-Help Credit Union Savings Rates
Top CarrotSelf-Help Credit Union’s best savings rate is 2.12% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Self-Help Credit Union’s savings 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
2.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $212
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Self-Help Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.12%
- $10,000 balance$10,0002.12%
- $100,000 balance$100,0002.12%
- QualifiedQualified2.12%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.12%APY
Member must maintain $5 par value. All share accounts are variable rate accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 monthly fee if daily balance is below $500 (waived by maintaining a daily balance of $500 or more). Variable rate. Member must maintain $5 par value.Any balance | 2.12% | $212 | $5 monthly fee if daily balance is below $500 (waived by maintaining a daily balance of $500 or more). Variable rate. Member must maintain $5 par value. |
Personal Savings
0.30%APY
Gateway to membership; member must maintain $5 par value. All share accounts are variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn dividends.Any balance | 0.30% | $30 | No minimum balance to earn dividends. |
Sources (3)
- self-help.org/personal/checking-savings-loans/savings
- self-help.org/personal/checkin…savings/personal-savings
- self-help.org/rates/account-rates
All captured Oct 22, 2026
Special-purpose accounts
IRA Savings Account
3.98%APY
Available as traditional or Roth IRA; no set-up fees or monthly fees. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upExcessive withdrawal fee of $15 applies after 3 withdrawals in a month.$500 and up | 3.98% | $398 | Excessive withdrawal fee of $15 applies after 3 withdrawals in a month. |
Custom Club Account
0.30%APY
Preset penalty-free withdrawal window at a predetermined time of year chosen by member; two withdrawals permitted each account year. Early withdrawal fee applies outside the window. Member must maintain $5 par value.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly; no monthly service charge; no minimum balance requirement.Any balance | 0.30% | $30 | Dividends paid monthly; no monthly service charge; no minimum balance requirement. |
Sources (3)
- self-help.org/personal/checking-savings-loans/savings
- self-help.org/personal/checkin…ngs/holiday-club-account
- self-help.org/rates/account-rates
All captured Oct 22, 2026
Holiday Club Account
0.30%APY
Preset penalty-free withdrawal window between November 1 and December 31; two withdrawals permitted each account year. Early withdrawal fee applies outside the window. Member must maintain $5 par value.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly; no monthly service charge; no minimum balance requirement.Any balance | 0.30% | $30 | Dividends paid monthly; no monthly service charge; no minimum balance requirement. |
Sources (3)
- self-help.org/personal/checking-savings-loans/savings
- self-help.org/personal/checkin…ngs/holiday-club-account
- self-help.org/rates/account-rates
All captured Oct 22, 2026
Youth Savings Account
0.30%APY
Available to anyone under the age of 18; converts to a personal savings account at age 18. Member must maintain $5 par value.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fees.Any balance | 0.30% | $30 | No monthly service fees. |
Sources (3)
- self-help.org/personal/checking-savings-loans/savings
- self-help.org/personal/checkin…gs/youth-savings-account
- self-help.org/rates/account-rates
All captured Oct 22, 2026
Who can join Self-Help Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.