Self-Help Credit Union is a member-owned financial cooperative serving Durham, North Carolina, and surrounding areas. Rooted in a cooperative ethos, the organization emphasizes accessible financial services designed to empower individuals and communities. Its structure centers on member ownership and democratic governance, with decisions guided by the collective interests of those who hold accounts and participate in elections.
Historically, the credit union aligns with the broader Self-Help movement, which has evolved to address financial inclusion and community development. Its operations encompass core banking functions typical of credit unions, including deposit-taking, lending, and financial education initiatives. The organization pursues a mission-driven approach, prioritizing services that support economic resilience for underserved populations while maintaining prudent risk management and regulatory compliance. By leveraging community ties, it seeks to provide stable, people-centered financial access within its geographic footprint.
Operational scope focuses on serving members through accessible channels, including branch-based services and community-oriented programs. The institution emphasizes collaborative partnerships and local engagement as avenues to support financial empowerment and neighborhood development.
Better than 18% of providers in Durham
In addition to the primary service, Self-Help Credit Union also offers:
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Self-Help Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Self-Help Credit Union is listed as a financial service provider in Durham, NC and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Self-Help Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Self-Help Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Self-Help Credit Union with other providers in Durham and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Self-Help Credit Union has a rating of 3.0, which is better than 18% of providers in Durham.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Self-Help Credit Union requests. It is always best to call ahead using the phone number on this page so Self-Help Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Self-Help Credit Union also offers: Credit union, Car finance and loan company, Credit counseling service, Financial advisor, Financial institution, Mortgage lender, Non-profit organization.