Open A Cub Club Account

Open a cub club account at any of our branches in Huron, Norwalk, Sandusky, and Vermilion or call us at 1-800-691-9299 to get started.

Membership is required. Not currently a member? Become a member and start enjoying exclusive benefits from a local network today!

Look at our rates.

Read Our Latest Cub Club Newsletter!

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Join the Cub Club!

  • Ages newborn to 12 years old
  • No monthly fees on cub club accounts
  • Earn dividends on balances of $100 or greater
  • VLFCU offers special youth certificate rates based on child’s age
  • Collect Berenstain Bears® tokens for every deposit of $10.00 or more to redeem for merchandise or dividend (limit one token per day)
  • Special dividend for birthday deposit*
  • Birthday card with a surprise
  • Bi-annual newsletter
  • Gift at account opening
  • Cub Club accounts are insured up to $750,000.**
  • Explore the Berenstain Bears® for free activities and parental resources

*Birthday dividend of 5% on the member’s deposit up to $5.00, limit one per year. Birthday deposit may be made on any day during the birth month up to the age of 12 years.

**All depository accounts are insured up to $750,000. The first $250,000 is provided by the NCUA Share Insurance Fund (NCUSIF). An additional $500,000 is made available through private insurance from Excess Share Insurance (ESI). This coverage is more than most financial institutions offer.

The Berenstain Bears®, Cub Club™, Copyright Berenstain Enterprises, 2025.