Credit union · NCUA insured
Self-Help Federal Credit Union CD Rates
Top CarrotSelf-Help Federal 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 Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Self-Help Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Self-Help Federal Credit Union
4.18%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,307
Term Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Self-Help Federal 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 Federal 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.
Term Certificates
Up to 4.18%APY · 8 terms
Member must maintain $5 par value. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days 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 (3)
- self-help.org/personal/checkin…ans/savings/certificates
- self-help.org/rates/account-rates
- self-help.org/personal/checkin…icates/term-certificates
All captured Oct 15, 2026
Special-purpose accounts
IRA Term Certificates
Up to 4.18%APY · 6 terms
Fixed rate accounts. IRA accounts are additionally insured up to $250,000 by the NCUA. Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months. Tax-advantaged.
| 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 (2)
All captured Oct 15, 2026
Who can join Self-Help Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.