Features of Our Holiday and Custom Club Accounts No minimum deposit to open for Self-Help Credit Union members ($5 to join) Holiday Club funds can be withdrawn penalty-free between November 1 and December 31 each year. Custom Club funds can be withdrawn penalty-free at any pre-determined time of the year of your choice. Add funds to the account at any time, of any amount. Benefits Competitive interest rates Funds insured up to $250,000 Free access to participating ATMs across the nation Online banking Mobile banking Free audio banking and e-statements How to Apply Existing Members Visit any of our branch locations, or Mail in a deposit account (share) application New Members Not a member yet? No problem. Visit our Join Us page to learn about eligibility and how to join Self-Help Credit Union.