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Cub Account

Give your child the savings habit
Open A Cub Account

Effective Date as of 07/01/2024

Cub Savings


% APY*

as high as

Cubby Certificate


% APY*

as high as

Ready. Set. Go!

A Cub Account for your child can be set up in as little as 2 minutes:

Open a CUB account

Fun activities!

Get creative with The Berenstain Bears® Coloring Pages

Coloring Pages

I’m not a member yet

It’s easy to open a savings account once you become a PFCU member.


I’m already a member

Three easy steps to open additional deposit accounts:

Open a Youth account

Join in the Fun & Open a Cub Account!

Imagine where your child’s financial future will take them if they start saving today? You can help the children in your life build financial confidence and security with our The Berenstain Bears® Cub Account — a savings account specifically designed for kids aged 10 and younger!

Our Cub Account is a “beary” fun and rewarding savings program for your child that teaches them the money management concepts of Save, Share, Spend and Earn! We have teamed up with the popular children’s characters the Berenstain Bears® to help educate your child at an early age so they can grow to make smart financial decisions.

Cub Account Program

  • 12-month Cubby Certificate at 5.00% APY*
  • Birthday Card with a Surprise Birthday Gift
  • Monthly e-Newsletter (money savings tips, fun games, and exclusive offers and surprises)
  • Free Swag Bag
  • Special Events

Free Swag Bag

When your child(ren) opens an account, they will receive a free swag bag box filled with The Berenstain Bears® book and other surprises:

The Berenstain Bears® Book

(Visit the Credit Union or Trouble with Money)

Clear String Backpack

Bookmark & Stickers

Coloring Pages & Colored Pencils

5.00% APY* 12-month Cubby Certificate

To help your child save even more, open a 12-month Cubby Certificate that earns 5.00% APY*. Now that’s a “beary” nice bonus.


Ready. Set. Go!

Ready to join the fun? It is easy to open a Cub Account! Just click the Open a Cub Account button below and complete the easy online application. And together we will teach your child how to save, share, spend and earn today!

Open a CUB account

Financial Literacy Fun

Download some of our fun activity pages to keep your young ones learning and entertained!

Downloadable Activities

Thank you for making the whole process so easy and less stressful!

maria p. | Member SINCE 2017
maria p.

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.

Financial Health Check

Looking for freedom from debt and money worries? You’re in the right neighborhood. We’ll help you create a realistic budget, build achievable goals, and reduce high-interest debt.

Learn More

*The Cub Savings Account is only available to children ages 10 and younger. When the account owner reaches 11 years old, the Cub account will automatically be converted to an iPlus account.

**ANNUAL PERCENTAGE YIELD (APY). Cubby Certificates are only available for members 10 years old or younger who also have a Cub Account. You must enroll in eStatements to open a Cubby Certificate. Only one Cubby Certificate is available for each member. Deposits will be permitted until the $500 maximum balance; after that, no new funds may be deposited on a Cubby

Certificate. The rate applies only to deposits of new funds; it does not apply to transfers of funds from another account within the Credit Union. Funds deposited from within the Credit Union will earn the same dividend rate and APY as Cub Account. Cubby Certificate balances of up to $500 will earn the dividend rate for the 12-month Certificate term. After the 12-month term, the Certificate will be transferred into the Cub Account and will earn the same dividend rate and APY that applies to Cub Accounts. Dividends earned on the Cubby Certificate will be deposited into the Cub Account.

©The Berenstain Bears, Berenstain Enterprises, Inc. 2024