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. 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.