Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 896191 |
| Address | PO BOX 3619, Durham, NC 27702 Directions to the main office (Google Maps) |
| Website | www.self-help.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.self-help.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$21 million in 7 awards from the U.S. Treasury's CDFI Fund, 2005–2023 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Capital Magnet Fund).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Capital Magnet Fund | $10,000,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Capital Magnet Fund | $5,250,000 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2007 | CDFI Program, Financial Assistance | $487,800 |
| 2006 | CDFI Program, Financial Assistance | $585,000 |
| 2005 | CDFI Program, Financial Assistance | $1,398,750 |
Emergency Capital Investment Program (ECIP)
Treasury invested $243 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SELF-HELP (charter 66258). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.2 billion (as of 30 Jun 2026) |
|---|---|
| Members | 101,911 (as of 30 Jun 2026) |
| Offices | 37 in 4 states (as of 30 Jun 2026) |
Offices by state and county (37)
North Carolina (25 offices)
- Bertie County (1): 302 W Granville St, Windsor 27983
- Buncombe County (2): 1911 Hendersonville Rd, Asheville 28803; 391 S French Broad Ave, Asheville 28801
- Burke County (1): 204 Carbon City Rd, Morganton 28655
- Catawba County (1): 528 E Main St, Maiden 28650
- Davidson County (1): 1891 Brown St, Lexington 27292
- Durham County (3): 301 W Main St, Durham 27701 (main office); 123 W Main St, Durham 27701; 601 S Mangum St, Durham 27701
- Forsyth County (1): 711 E Salem Ave, Winston Salem 27101
- Guilford County (1): 3400 Battleground Ave, Greensboro 27410
- Henderson County (1): 100 Dana Rd, Hendersonville 28792
- Lenoir County (1): 1910 W Vernon Ave, Kinston 28504
- McDowell County (1): 217 Catawba Ave, Old Fort 28762
- Mecklenburg County (2): 1065 Providence Rd, Charlotte 28207; 431 Beatties Ford Rd, Charlotte 28216
- Nash County (1): 3631 Sunset Ave, Rocky Mount 27804
- New Hanover County (1): 307 S College Rd, Wilmington 28403
- Rowan County (1): 2146 Statesville Blvd, Salisbury 28147
- Scotland County (1): 701 S Main St, Laurinburg 28352
- Transylvania County (2): 40 Forest Gate Dr, Pisgah Forest 28768; 59 Chestnut St, Rosman 28772
- Wake County (2): 1405 Promise Beacon Cir, Raleigh 27610; 7029 Harps Mill Rd, Raleigh 27615
- Wilson County (1): 2301 Madison Dr W, Wilson 27893
Florida (10 offices)
- Alachua County (2): 412 E University Ave, Gainesville 32601; 4280 NW 16th Blvd, Gainesville 32605
- Duval County (3): 13134 Wolf Bay Dr, Jacksonville 32218; 3033 Lenox Ave, Jacksonville 32254; 9580 Hutchinson Park Dr, Jacksonville 32225
- Leon County (1): 3515 Maclay Blvd S, Tallahassee 32312
- Miami-Dade County (1): 101 Curtiss Pkwy, Miami Springs 33166
- Orange County (2): 667 W Orange Blossom Trl, Apopka 32712; 1250 Lee Rd, Winter Park 32789
- Volusia County (1): 1104 S Woodland Blvd, Deland 32720
Georgia (1 office)
- Fulton County (1): 921 Ralph David Abernathy Blvd SW, Atlanta 30310
Virginia (1 office)
- Galax City (1): 305 S Railroad Ave, Galax 24333
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by SELF-HELP CREDIT UNION (NCUA charter 66258, filed as “SELF-HELP”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.92 billion, 28,228 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 3.0% from $1.86 billion on 30 Jun 2025 |
| Members | 101,911 (as of 30 Jun 2026); 105,323 (as of 30 Jun 2025) |
| Loans per member | $18,830 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.17 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.9 million | 0.4% |
| Used vehicle loans | $28.6 million | 1.5% |
| First-lien home mortgages (1-4 family) | $1.40 billion | 72.8% |
| Other real estate loans (junior liens, other) | $27.5 million | 1.4% |
| Commercial (business) loans | $408.6 million | 21.3% |
| Credit cards | $5 million | 0.3% |
| Other unsecured loans | $32.5 million | 1.7% |
| Leases and other secured loans | $12.4 million | 0.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025SELF-HELP CREDIT UNION reported 143 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $32.1M (median loan about $225,000). 140 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 140 | 98% |
| Refinance (incl. cash-out) | 3 | 2.1% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 143 | 100% |
Included above: 22 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 48 counties with at least one; 76% of its 2025 loans were for properties in North Carolina:
- Buncombe County, NC (14)
- Forsyth County, NC (11)
- Guilford County, NC (9)
- Orange County, FL (8)
- Durham County, NC (7)
- Johnston County, NC (7)
- Wake County, NC (7)
- Granville County, NC (5)
Filed under LEI 549300W2VOHO3742H053 as “SELF HELP CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 7 → 2 | Rank among the 8 certified CDFIs in North Carolina with SBA approvals in either period: 5 → 7. |
| Total assets (Call Report, 30 Jun 2026) | $2.17 billion | Larger than 78% of the 9 other certified credit unions in North Carolina (median $131.1 million). |
| Loans as a share of assets | 88% | Median of the same 9 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.86 billion → $1.92 billion (+3%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 2 → 2. |
| Home loans originated in 2025 (HMDA) | 143 | More than 57% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in North Carolina with SBA approvals FY2023–2026 | 7 | rank 5 → 7 of 8 |
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 78% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 2 → 2 of 10 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 57% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 9 SBA-backed approvals for SELF-HELP CREDIT UNION in fiscal years 2020–2026 (October 2019 to September 2026):
- 9 504 projects as the third-party (first-lien) lender: $4.7M in total (its own third-party loan amount), median $400,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 7 · FY2025 0 · FY2026 2.
By program
- 504 projects (as the third-party lender) (9, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (6)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Self-Help Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. SELF-HELP CREDIT UNION may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Durham and North Carolina
- Institute Capital, Inc.Loan fund · Durham, NCAffordable housing development loans, Small-business loansVerified
- Latino Community Credit UnionCredit union · Durham, NCAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Mechanics and Farmers BankBank or thrift · Durham, NCAuto / vehicle loans, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)Verified
- Self-Help Federal Credit UnionCredit union · Durham, NCVerified
- Self-Help Ventures FundLoan fund · Durham, NCOfficial list only
Work at SELF-HELP CREDIT UNION? Link to this page
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