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. No minimum deposit 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.