At a glance
From its website, read 29 Oct 2026Self-Help Federal Credit Union is a credit union based in Durham, North Carolina. Where it lends: California, Connecticut, Illinois, South Carolina, Washington, Wisconsin.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.self-helpfcu.org |
|---|---|
| Office (official list) | PO Box 3619, Durham, NC 27702 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 3805055 |
| Address | PO Box 3619, Durham, NC 27702 Directions to the main office (Google Maps) |
| Website | www.self-helpfcu.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
Verified from lender site on 29 Oct 2026Read from 1 page of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: low. WebFetch fallback (Cloudflare 403 direct). Fetched page is a website-migration notice; no product list. Terms change — confirm with the lender before applying.
No loan products could be confirmed on the pages we read. That does not mean the lender has none.
Loan sizes
No amounts stated on the pages we read.
Service area
California, Connecticut, Illinois, South Carolina, Washington, Wisconsin
Self-Help Federal Credit Union operates in California, Connecticut, Illinois, South Carolina, Washington and Wisconsin
source
Statewide: California, Connecticut, Illinois, South Carolina, Washington, Wisconsin
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (1)
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. 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 could not confirm any loan product on the pages of their website we read. - 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$27.8 million in 15 awards from the U.S. Treasury's CDFI Fund, 2010–2022 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | CDFI Program, Financial Assistance | $525,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $75,000 |
| 2020 | CDFI Program, Financial Assistance | $900,000 |
| 2020 | CDFI Program, Technical Assistance | $122,377 |
| 2020 | Healthy Food Financing Initiative, Financial Assistance | $2,750,000 |
| 2017 | Capital Magnet Fund | $3,400,000 |
| 2016 | CDFI Program, Financial Assistance | $1,347,000 |
| 2015 | CDFI Program, Financial Assistance | $1,653,000 |
| 2015 | Healthy Food Financing Initiative, Financial Assistance | $3,000,000 |
| 2014 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $3,000,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $250 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 24802). 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 | $2.4 billion (as of 30 Jun 2026) |
|---|---|
| Members | 146,774 (as of 30 Jun 2026) |
| Offices | 45 in 7 states (as of 30 Jun 2026) |
Offices by state and county (45)
North Carolina (1 office)
- Durham County (1): 301 W Main St, Durham 27701 (main office)
California (21 offices)
- Alameda County (1): 1432 7th St, Oakland 94607
- Butte County (2): 482 B St, Biggs 95917; 2201 Pillsbury Rd, Chico 95926
- City and County of San Francisco (1): 2430 Mission St, San Francisco 94110
- Contra Costa County (1): 2110 Railroad Ave, Pittsburg 94565
- Fresno County (1): 5261 E Kings Canyon Rd, Fresno 93727
- Kern County (2): 2100 H St, Bakersfield 93301; 10808 Main St, Lamont 93241
- Los Angeles County (2): 3886 Crenshaw Blvd, Los Angeles 90008; 1000 N Avalon Blvd, Wilmington 90744
- Napa County (1): 3183 Jefferson St, Napa 94558
- Sacramento County (1): 3924 Franklin Blvd, Sacramento 95820
- San Diego County (1): 4029 43rd St, San Diego 92105
- San Joaquin County (3): 504 W Lodi Ave, Lodi 95240; 2275 W Louise Ave, Manteca 95337; 3255 W Benjamin Holt Dr, Stockton 95219
- Santa Clara County (1): 1080 S White Rd, San Jose 95127
- Solano County (1): 536 Santa Clara St, Vallejo 94590
- Stanislaus County (2): 900 Crows Landing Rd, Modesto 95351; 2256 Patterson Rd, Riverbank 95367
- Tulare County (1): 182 N Main St, Porterville 93257
Connecticut (4 offices)
- Capitol Region County (3): 2775 Main St, Hartford 06120; 443 Franklin Ave, Hartford 06114; 233 Main St, Manchester 06042
- Northeastern Connecticut County (1): 361 Boston Post Road, Rte 6, North Windham 06235
Illinois (8 offices)
- Cook County (8): 11116 S Michigan Ave, Chicago 60628; 3501 S King Dr, Chicago 60653; 3960 W 26th St, Chicago 60623; 4800 S Pulaski Rd, Chicago 60632; 645 E 87th St, Chicago 60619; 4811 W Cermak Rd, Cicero 60804; 5601 127th St, Crestwood 60418; 6011 North Ave, Oak Park 60302
South Carolina (5 offices)
- Dorchester County (1): 741 N Main St, Summerville 29483
- Greenville County (3): 1620 Woodruff Rd, Greenville 29607; 300 Garlington Rd, Greenville 29615; 505 Mills Ave, Greenville 29605
- Richland County (1): 1545 Sumter St, Columbia 29201
Washington (4 offices)
- Douglas County (1): 478 2nd St SE, E Wenatchee 98802
- Franklin County (1): 2735 W Court St, Pasco 99301
- Yakima County (2): 1019 W Wine Country Rd, Grandview 98930; 900 Yakima Valley Hwy, Sunnyside 98944
Wisconsin (2 offices)
- Milwaukee County (2): 3340 S 27th St, Milwaukee 53215; 5630 W Fond Du Lac Ave, Milwaukee 53216
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 Federal Credit Union (NCUA charter 24802, 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 | $1.59 billion, 39,977 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.9% from $1.56 billion on 30 Jun 2025 |
| Members | 146,774 (as of 30 Jun 2026); 130,040 (as of 30 Jun 2025) |
| Loans per member | $10,817 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.41 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $18.2 million | 1.1% |
| Used vehicle loans | $60.8 million | 3.8% |
| First-lien home mortgages (1-4 family) | $1.28 billion | 80.9% |
| Other real estate loans (junior liens, other) | $45.3 million | 2.9% |
| Commercial (business) loans | $92.4 million | 5.8% |
| Credit cards | $10 million | 0.6% |
| Other unsecured loans | $60.7 million | 3.8% |
| Leases and other secured loans | $16.2 million | 1.0% |
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 Federal Credit Union reported 327 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $83.3M (median loan about $245,000). 296 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 296 | 91% |
| Refinance (incl. cash-out) | 12 | 3.7% |
| Other purpose | 18 | 5.5% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 327 | 100% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 42 counties with at least one:
- Cook County, IL (80)
- Milwaukee County, WI (27)
- Fresno County, CA (26)
- Kern County, CA (26)
- Tulare County, CA (19)
- Sacramento County, CA (17)
- Capitol Region County, CT (12)
- Yakima County, WA (12)
Filed under LEI 549300UHEEV73TKCZY62 as “SELF HELP FEDERAL 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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2.41 billion | Larger than 89% of the 9 other certified credit unions in North Carolina (median $131.1 million). |
| Loans as a share of assets | 66% | Median of the same 9 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.56 billion → $1.59 billion (+2%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 327 | More than 78% 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 |
|---|---|---|---|
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 89% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 3 → 3 of 10 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 78% |
“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. Peer groups and sources: methodology. 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 1 SBA-backed approval for Self-Help Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (1, 100%)
How this lender was matched in the SBA files: NCUA charter 24802, found through the RSSD ID in NCUA records (SBA lists “Self-Help FCU”).
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 Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
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 CREDIT UNIONCredit union · Durham, NCOfficial list only
- Self-Help Ventures FundLoan fund · Durham, NCOfficial list only
Work at Self-Help Federal Credit Union? Link to this page
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