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Self-Help FCU (CA, IL, and FL)

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9 replies to this topic

#1 GirlSpot

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Posted 01 July 2016 - 08:26 PM

I wanted to put the CU on the radar for anyone looking for banking options in California, Illinois, and Florida. I don't believe it's mentioned on MCA's list for CA (they acquired Butte FCU, Community Trust, and People's, among others). 


I have a negative Chex entry and believe I may have a negative entry in EWS (still waiting on that report). I will report back if the account ends up being closed, but they were very transparent about having a goal of helping people who have had banking/financial issues in the past, so I am hoping the account will remain in the clear. I'm going to treat it like it's priceless.


I had a great experience at their Oakland branch, and they have branches throughout CA (it can be annoying how many places are only in the north or south), so I would encourage anyone who is struggling with finding local options in CA to check them out.


From what the reps told me, they also have a strong focus on helping members rebuild their credit. While I was filling out my app, a member told me that they approved him for a secured loan and secured cc when he was unable to get approvals elsewhere.


The credit union has acquired and merged with smaller CUs, and it now has 22 branches across these 3 states.








El Monte



La Puente








San Francisco

San Jose




Chicago (Brighton Park)

Chicago (Little Village)






#2 GirlSpot

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Posted 01 July 2016 - 08:31 PM

I should also add that account balances (for access and classic checking) should be maintained at a minimum of $300 to avoid a $3 monthly fee, and I needed to opt out of paper statements to avoid another $3 fee. 


Checking account details here.

#3 tmcgill

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Posted 02 July 2016 - 10:40 AM

Thanks for the info.

Here are the CU membership requirements: https://www.self-hel...an.pdf?sfvrsn=0

#4 GirlSpot

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Posted 12 July 2016 - 06:54 PM

Also, for posterity, a family member with these issues was also able to open an account:

  • Unpaid, recent NSF fee
  • Paid, older NSF fee
  • Account abuse (reported several years prior)

#5 stevensmileyx

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Posted 14 December 2016 - 11:40 PM

It should be noted and updated that anyone can join this credit union for a $5 fee, so it should be considered a nationwide bank, as they are apart of the CO-OP network. Can we verify if these guys even pull chex systems at all? 

#6 tmcgill

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Posted 15 December 2016 - 08:51 AM

Will check my notes on Self-Help CU and post an update. :good:

#7 tmcgill

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Posted 19 December 2016 - 03:58 PM

No confirmation they run Chexsystems; only an indentity check.

Edited by tmcgill, 19 December 2016 - 03:58 PM.

#8 tmcgill

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Posted 19 December 2016 - 05:36 PM

LOL on my mobile - Only an identity check.

#9 chz

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Posted 20 December 2016 - 09:30 PM

Does it say self help on their debit card? lol

#10 tmcgill

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Posted 21 December 2016 - 08:17 AM

Not sure if it shows SHFCU, Self-Help CU - or the bank that underwrites their card.


**Bumping for anyone who has their card**

Edited by tmcgill, 21 December 2016 - 08:20 AM.

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