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Routing #311079270
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Routing #311079270
A mother sitting in the corner reading a book to her young child

Cub Account

Berenstain Bears' Brother and Sister bear smiling and waving

 Making savings and spending habits fun for children with the Berenstain Bears!




Cub Savings Account Features

Earn 0.10% APY1

For Children Ages 0 to 12

No Maintenance Fees

Earn Fun Prizes for Saving!³

Open a Cub Savings Account!

a drawing of a white piggy bank with a pink flower on the side

How It Works
Only $25 minimum to open, earn 0.10% APY¹ on balances over $100, and three (3) withdrawals each statement cycle for free². Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App. For kids ages 0 to 12.
 
Child account holder receives:
Open Now



Savings Level

Berenstain Bears Cub Club Activity Book activities required for Year 1 of account opening only.

Prize Item

(Year 1)

Prize Item

(Year 2+)
Sister Bear Level
4 deposits in a calendar year and complete 4 new activities from "Berenstain Bears Cub Club Activity Book" 
Prize item from the branch’s Super Stump of Goodies  
Prize item from the branch’s Super Stump of Goodies 
Brother Bear Level
4 deposits in a calendar year and complete 8 new activities from "Berenstain Bears Cub Club Activity Book" Cub Club Fun (last page/backside) 
 Prize item from the branch’s Super Stump of Goodies 
Prize item from the branch’s Super Stump of Goodies 
Mama Bear Level
12 deposits in a calendar year and complete 2 new activities from "Berenstain Bears Cub Club Activity Book"
"Berenstain Bears Trouble With Money" book
Prize item from the branch’s Super Stump of Goodies 
Papa Bear Level
16 deposits in a calendar year and complete 8 new activities from "Berenstain Bears Cub Club Activity Book"
"Berenstain Bears Visit The Credit Union" book 
Prize item from the branch’s Super Stump of Goodies 


 
 
A drawing of the Berenstain Bears family walking into a Neighborhood Credit Union branch

All Neighborhood Credit Union savings accounts feature:






a drawing of a white piggy bank with a pink flower on the sideThe Berenstain Bears Activities Corner

We make learning about good money habits fun with the Berenstain Bears! We're excited to provide free printable coloring and activity sheets for hours of fun with your children.



Parents and children can visit the Cub Club, a part of The Berenstain Bears Financial Literacy Program, for tons of games and activities!








Explore All Neighborhood CU Accounts

We offer more than savings accounts! Click "Explore Accounts" button to view all.
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Berenstain Bears family jumping across the grass

Cash Back Checking for Teens

Earn cash back rewards with no minimum balance.

Frequently Asked Questions

Interest is compounded monthly.
Members must visit one of their local Neighborhood Credit Union branches to pick up their prizes in person.
Yes, simply visit your local branch and they can assist you once they've verified your account information.


1APY = Annual Percentage Yield. Fixed interest rate at 0.10%. Rate effective March 1, 2023 and is subject to change after account opening. $25 minimum deposit required to open account. Minimum balance to earn dividend is $100.
2More than three (3) withdrawals per month will result in a fee. Please see the Rates & Fees page for details.
³For minors age 0-13th birthday. Valid on Neighborhood Credit Union's Kid's Savings Account Product designation and Membership Savings Accounts. Awards, prizes, and giveaways (herein referred to as "prize items") are dependent on available supply. Deposits must be made in-person at a branch and cannot be an electronic account credit in order to be eligible for a prize item. Deposits cannot be broken into separate deposits for same account on same visit to raise deposit count towards Bear Award Levels. Neighborhood CU may issue a certificate valid for any prize items to claim in the future upon supply restock. Prize items are available at Neighborhood CU branch locations only and must be claimed in person. Prize items will not be mailed or shipped and may change, be replaced or rotate out of circulation. Participation and specific criteria may be required before awarding prize items. Requirements for completion of pages in the "Berenstain Bears Cub Club Activity Book" are limited to one Bear Level Award and cannot be used for another award level once submitted. Limit of one per child to items "Berenstain Bears Cub Club Activity Book," "Berenstain Bears Trouble With Money" book and "Berenstain Bears Visit The Credit Union" book.