Features of Our Money Market Accounts $500 minimum deposit to open. Higher interest rate earned on a balance of $500 or more. No monthly maintenance fee on a balance of $500 or more (a monthly maintenance fee is charged when the account balance falls below $500). Six free withdrawals/transfers from the account each month, including checks. An excessive-withdrawal fee is charged for each additional withdrawal or transfer beyond six when NOT conducted in person or by mail. Benefits Competitive interest rate Funds insured up to $250,000 Free access to participating ATMs across the nation Online banking Mobile banking Free audio banking and e-statement How to Apply Existing Members Visit any of our branch locations, or Mail in a deposit account (share) application New Members Visit our Join Us page for information on how to join Self-Help Credit Union, including membership eligibility, and to access the necessary deposit account application.