Self-Help Credit Union, located at 307 College Rd, Wilmington, NC 28403, operates as a member-owned financial cooperative. Founded with a mission to provide accessible financial services to underserved communities, the organization emphasizes democratic control and shared ownership among its members. Its historical development reflects a broader movement toward equitable access to affordable credit, savings, and financial education, with a focus on supporting family stability and community resilience. The credit union offers core financial products and services typical of a cooperative, including deposit accounts, loans, and payment services, structured to promote responsible money management and savings habits among members. Its operations are guided by a commitment to serving individuals and small businesses within its field of membership, often prioritizing rural and urban communities that experience barriers to traditional banking.
Operational scope centers on member-centric service delivery, financial literacy initiatives, and community development partnerships. As a financial institution, it maintains regulatory compliance, prudent risk management, and transparent governance practices, aligned with cooperative principles and state and federal regulatory requirements. The organization positions itself as a locally rooted entity contributing to financial inclusion and community well-being through accessible products and programs.
Better than 40% of providers in Wilmington
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 Wilmington, 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 Wilmington 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 4.1, which is better than 40% of providers in Wilmington.
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, ATM, Car finance and loan company, Credit counseling service, Financial advisor, Financial institution, Mortgage lender, Non-profit organization.