Term Certificates (CDs)

A Term Certificate (CD) offers you peace of mind with a guaranteed interest rate and the flexibility to choose a term that fits your investment needs.  Please note that interest rates offered on term certificates change daily, and that your term certificate will receive the rate in effect on the date that we receive your deposit.

Self-Help offers a variety of term certificate investment options.

• $500 minimum investment
• Terms ranging from 3 months to 5 years
• You choose whether you want to receive dividends (monthly or quarterly), or whether dividends should remain in your account earning interest.  
• Penalty for early withdrawal is ½ the interest for the term of the certificate.  

Invest in specialized term certificates to support targeted lending in child care services and environmentally responsible  organizations and projects.  Child Care and Environmental term certificates pay the same interest rates as Self-Help’s standard term certificates.  (Child Care and Environmental term certificates are not available at Self-Help Federal Credit Union.)  

Or support Self-Help with a below market-rate Economic Development term certificate. 

Child Care Term Certificate (CD)
Self-Help supports quality child care by providing attractive loans and technical assistance to those seeking to build or improve child care facilities.  When you invest in a Child Care term certificate, your savings will be invested in buildings, equipment and educational materials that improve child care operations.  Over the years, Self-Help has made hundreds of loans to child care providers – touching the lives of tens of thousands of children.

Environmental Term Certificate (CD)
Self-Help is a national leader in the practice of financing community development projects that also preserve our natural resources – what is often called triple bottom line lending.   Self-Help makes loans and provides technical assistance to environmental businesses and non-profits involved in recycling, sustainable agriculture/organic farms, sustainable forestry, land conservation, eco-tourism, solar and renewable energy, green retail, and environmental technology.   In addition, our real estate development activities use green building practices whenever possible to decrease resource usage and make buildings healthier.  By opening an Environmental term certificate, you will support Self-Help's lending to a wide range of sustainable development projects.  These projects prove that environmental concerns can be integrated with economic and social equity goals to produce triple bottom line results.   

Economic Development Term Certificate (CD)
An Economic Development term certificate allows you to opt for a "below market" certificate rate.  By choosing a lower rate, you allow Self-Help to increase outreach to our borrowers and bring ownership and economic opportunity to more low-wealth families.   A Self-Help representative will help you choose a rate.