Features of Our Holiday and Custom Club Accounts No minimum deposit to open for Self-Help Credit Union members Holiday Club funds can be withdrawn penalty-free between November 1 and December 31 each year. Custom Club funds can be withdrawn penalty-free at any pre-determined time of the year of your choice.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 Online banking Mobile banking Free audio banking and e-statements