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!

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.
