Benefits of Our Go Local Term Certificates Higher dividend rates than standard savings accounts Increased rates on longer-term certificates Guaranteed returns for the length of your term Terms range from 1 to 5 years Early withdrawal penalties apply* Funds are NCUA-insured (up to $250K) to protect your investment Receive a Go Local discount card for a limited time!** $500 minimum deposit to open Best of all, you'll be investing in a community you care about. Deposits in Go Local Term Certificates help support Self-Help's work in Western NC and also demonstrate support for the Asheville Grown Business Alliance Go Local campaign. *90 days on terms of 12 months or less. 180 days on terms greater than 12 months. **Limited time offer. Go Local card distributed by Asheville City Schools Foundation in partnership with Asheville Grown Business Alliance. A $10 value. How to Apply Existing Members Existing members can apply for our term certificates by visiting one of our branches or by mailing a printed certificate 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.