Features of Our FUN Club Accounts for Youth This is a savings account for minors 17 years old and under established in their name. An adult must be a joint owner on the account. Minimum deposit of $5 to open. Make up to four free withdrawals per month. ATM cards, debit cards, and overdraft protection are not available for this account. Benefits Competitive interest rate Funds insured up to $250,000 Online banking Mobile banking Free audio banking and e-statements How to Apply Existing Members Visit any of our branch locations, or Mail in a deposit account (share) 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.