Self-Help Credit Union

Term Certificates


Smart investment with attractive dividends.

Self-Help Federal's Certificates offer highly competitive dividend payouts, boosting your savings while you support our mission. Whether you need an IRA Term Certificate to build tax savings into your retirement planning, or simply want to earn more attractive dividends, our certificates can be an excellent addition to your overall savings plan.

Benefits of Self-Help Term Certificates

  • Higher dividend rates than standard savings accounts. View Rates.
  • Increased rates on longer-term certificates
  • Guaranteed returns for the length of your term
  • Terms range from 3 months to 5 years
  • Funds are NCUA-insured (up to $250,000) to protect your investment
  • $500 minimum deposit to open
  • Early withdrawal penalties apply -- 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.

*Product availability may vary by location.

Term Certificates

How to Apply

Existing Members

Existing members can apply for Term Certificates by visiting one of our branches or by mailing in a Printed Application

New Members

Not a member yet? No problem. Visit our "Join Us" page to learn about eligibility and how to join Self-Help Federal Credit Union.