Benefits of Self-Help Term Certificates Higher dividend rates than standard savings accounts. View Rates Increased rates on longer-term certificates Guaranteed returns for the length of your term Terms range from 3 months to 5 years Funds are NCUA-insured (up to $250,000) to protect your investment $500 minimum deposit to open Early withdrawal penalties apply -- 90 days on terms of 12 months or less; 180 days on terms greater than 12 months. *Product availability may vary by location. GoLocal Term Certificate now offered in the Bay Area How to Apply Existing Members Existing members can apply for Term Certificates by visiting one of our branches or by mailing in a printed application New Members Not a member yet? No problem. Visit our "Join Us" page to learn about eligibility and how to join Self-Help Federal Credit Union.