Research shows that the sooner children learn basic money management skills, the greater their chances for financial success. In an effort to reach our youngest members, VLFCU has teamed up with the Berenstain Bears® to teach the responsible money management concept, SAVE, SHARE, SPEND, EARN. The Berenstain Bears® Financial Literacy Program is fun, relatable, and memorable.

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.

Join the VLFCU Cub Club!

  • Ages newborn to 12 years old
  • No monthly fees on cub club accounts
  • Earn dividends on balance of $100 or greater
  • VLFCU offers special youth share certificate rates based on child’s age
  • Collect Berenstain Bear tokens to redeem for merchandise or dividend
    (1 token per day with a minimum $10 deposit)
  • Special dividend for birthday deposit*
  • Birthday card with a surprise
  • Bi-annual newsletter
  • Gift at account opening
  • Explore the Berenstain Bears® for free activities and parental resources
  • VLFCU Cub Club accounts are insured up to $750,000.**

*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 Copyright, Berenstain Enterprises, Inc. (2024).