The Berenstain Bears®
Financial Literacy Program - Cub Club
Coming October 1: Signet's New Cub Account!
Welcome to the The Berenstain Bears® Financial Literacy Program
If you're like most of us, you probably remember dropping coins into a piggy bank and shaking it just to hear the sound. Maybe you counted the money over and over, dreaming about the toy you wanted to buy. Maybe your parents or grandparents helped you roll coins or took you to the bank to make your very first deposit. You probably didn't realize it then, but those little moments were teaching you something much bigger than dollars and cents. Now imagine getting to create those same memories with your own child.
That's exactly why Signet Federal Credit Union® is so excited to partner with The Berenstain Bears® Financial Literacy Program.
For generations, The Berenstain Bears® have helped families talk about life's important lessons in a way kids actually understand. They've tackled everything from telling the truth to cleaning your room—and now they're helping children learn one of the most valuable life skills they'll ever have: how to manage money.
Earn 5.00% APY on the first $1,000 deposited*
The best part? It doesn't feel like a lesson.
It feels like reading a story together before bed. It feels like counting birthday money at the kitchen table. It feels like deciding whether to save a few more weeks for something special or buy the toy sitting on the store shelf today. Those are the moments where financial confidence begins. That's the heart behind our new Cub Account.
Designed for children ages under 12, the Cub Account gives families an easy way to start talking about money in a positive, encouraging way. Along the way, children will discover four simple ideas they can carry with them for the rest of their lives:
Save for tomorrow while watching your money grow.
Share with others because generosity matters.
Spend with a plan instead of buying on impulse.
Earn by learning that hard work has value.
Account Benefits:
For children Under 12
5.00% APY on the first $1,000 deposited
Cub Club badge for kids
Kids receive a free copy of The Berenstain Bears® Visit the Credit Union
What You'll Need:
To open a Cub Account, please bring:
Child's Social Security card
Child's Birth Certificate
$10 Minimum Opening Deposit
Valid Government-Issued Photo ID of the Adult Opening the Account
Activites
Have fun while learning more about Save, Share, Spend, Earn.
Download and print some of our fun activities and worksheets below. And, check back often for more exciting activities!
Parents
Money Doesn't Grow on Trees
How many of us have heard that expression? Papa even tells Brother and Sister Bear that old figure of speech “You must think money grows on trees!” in The Trouble With Money. You probably remember thinking that your parents could get all the money you needed by visiting the credit union or an ATM when you were a child. It seemed like money just magically appeared.
Here are some tips to help your children Save, Share, Spend, Earn and learn how money is really earned and managed.
Save
- Open a Cub Account: Give your child a head start by opening a Cub Account at Signet. With a higher dividend rate, their savings can grow alongside them.
- Set Savings Goals: Encourage your child to set specific savings goals, whether it's for a new toy, a book, or even long-term goals like college. Help them track their progress.
- Teach the Power of Saving: Show your child how money in a Signet Cub Account earns dividends over time, helping their savings grow. Compare it to keeping money in a piggy bank or at home, where it doesn't grow on its own.
- Make Saving a Habit: Encourage your child to regularly deposit part of their allowance, birthday money, or chore earnings into their Signet Cub Account. Small deposits can add up over time.
Share
- Teach Generosity: Discuss the importance of sharing and giving back. Help your child choose a cause or charity they care about.
- Create a Giving Goal: Teach your child the joy of giving by setting aside a portion of their savings for a cause they care about. It's a simple way to build generosity alongside smart money habits.
- Volunteer Together: Participate in community service activities with your child. Signet supports local initiatives and can provide information on volunteer opportunities.
- Match Their Contributions: Encourage sharing by matching their contributions to charity, teaching them that their efforts can have an even greater impact.
Spend
- Create a Budget: Teach your child how to create a simple budget. Show them how to balance their wants and needs and make informed spending decisions.
- Discuss Smart Spending: Before making a purchase, discuss whether it's a need or a want. Encourage them to compare prices and look for deals.
- Set Limits: Give them a set amount of money for discretionary spending each month. This teaches them to make choices and understand the concept of limited resources.
- Teach Value Over Price: Explain that the cheapest item isn't always the best value. Help your child compare quality, durability, and cost before making a purchase.
Earn
- Chores and Allowance: Implement a system where your child can earn money by doing chores. This teaches the value of work and earning.
- Encourage Entrepreneurship: Support your child in small entrepreneurial endeavors like a lemonade stand, dog walking, or crafting and selling handmade items.
- Through Signet's free Banzai financial education program, kids and teens can explore interactive lessons on earning an income, starting a business, entrepreneurship, setting financial goals, and making smart money decisions. With engaging activities and real-life scenarios, Banzai helps young learners discover how their skills, creativity, and hard work can turn into future opportunities.
- Track Earnings: Help your child keep a record of their earnings. This can be a simple notebook or an app. Tracking their income helps them understand the relationship between work and earning money.
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Effective Date: [July 29, 2026]
Children's Privacy
Signet Federal Credit Union® ("Signet," "we," "our," or "us") is committed to protecting the privacy and security of children and families. This Children's Online Privacy Policy explains how we collect, use, disclose, and protect information through the Cub Club section of our website and is intended to comply with the Children's Online Privacy Protection Act ("COPPA").
The Cub Club section of our website is designed to provide educational information and resources for parents and children. Protecting children's privacy is important to us, and we strive to collect as little information as possible through our website.
Information We Do Not Collect from Children Online
Signet does not knowingly collect personal information directly from children under the age of 13 through our website.
Children cannot:
Open a Cub Account online.
Register for an online account through the Cub Club webpage.
Submit personal information through the Cub Club webpage.
Upload photos, videos, or other files.
Participate in online games requiring registration.
Enter online contests through the Cub Club webpage.
Participate in chat rooms, forums, or public message boards.
Join a mailing list through the Cub Club webpage.
The Cub Club section of our website contains educational information and downloadable activities only. Downloadable activity sheets and educational materials do not require a child to provide personal information.
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Cub Accounts may only be opened in person at a Signet Federal Credit Union® branch by a parent or legal guardian.
Information collected during the account-opening process is obtained from the parent or legal guardian as part of establishing financial services and is governed by Signet's Privacy Notice and applicable federal financial privacy laws, in addition to this Children's Online Privacy Policy.
Information Collected During In-Branch Account OpeningTo establish a Cub Account, Signet Federal Credit Union® may collect the following information from the parent or legal guardian:
Child's name and mailing address to send an annual Berenstain Bears® themed birthday card.
Parent or legal guardian's email address for account-related communications. These communications may reference the child's name in connection with the Cub Account.
Child's Social Security number and birth certificate, as required to verify identity and establish the account in accordance with applicable laws and regulations.
This information is collected only during the in-person account opening process and is not collected through the Cub Club section of our website.
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Like many websites, our website may automatically collect limited technical information through cookies, pixels, analytics tools, and similar technologies.
Depending on the technologies in use, this information may include:
IP address
Browser type
Device type
Operating system
Date and time of website visits
Pages viewed
Referring websites
Cookie identifiers
Other persistent identifiers permitted by applicable law
This information is used to:
Improve website performance.
Understand how visitors use our website.
Measure advertising effectiveness.
Improve the relevance of our marketing.
Maintain website security.
Diagnose technical issues.
We do not knowingly use these technologies to identify or profile children under the age of 13.
Cookies and Similar TechnologiesOur website uses cookies and similar technologies (pixels, etc.) to:
Operate essential website functions.
Remember website preferences.
Measure website traffic.
Analyze visitor activity.
Evaluate marketing performance.
Some cookies may be placed by trusted third-party service providers that assist us in operating our website and digital marketing efforts.
You may manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect website functionality.
Third-Party ServicesOur website may include or link to services provided by third parties.
Examples include:
Website hosting and management services
Website analytics providers
Advertising and marketing partners
Embedded YouTube videos
Banzai Financial Education (external website)
Please note that once you leave the Signet website, you are subject to the privacy practices of the third-party website. We encourage parents to review the privacy policies of any external websites before providing personal information.
Advertising and AnalyticsSignet Federal Credit Union® uses trusted third-party advertising and analytics providers to help us understand website usage and improve our marketing efforts.
These providers may use cookies, pixels, and similar technologies to measure advertising performance and website activity.
Current providers may include:
Google Analytics
Google advertising technologies
Meta (Facebook and Instagram) advertising technologies
Other approved advertising and analytics providers used in connection with Signet's digital marketing efforts
This section will be updated as needed to reflect the technologies currently in use.
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Information collected through our website may be used to:
Improve our website and online services.
Respond to inquiries.
Measure website performance.
Improve member experience.
Evaluate marketing campaigns.
Maintain website security.
Comply with legal and regulatory obligations.
Information Sharing
Signet does not sell children's personal information.
We may share information only:
With service providers that assist in operating our website.
When required by law.
To protect the rights, safety, or security of Signet, our members, or others.
As otherwise permitted under applicable law.
Any service providers receiving information on our behalf are expected to maintain appropriate safeguards for protecting that information.
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If you have questions regarding this Children's Online Privacy Policy or would like to exercise any applicable parental rights, please contact:
Member Services
Signet Federal Credit Union®
163 Pecan Ct.
Paducah, KY 42001Phone: (270) 443-5261
Email: signet@signetfcu.com
Changes to This Policy
We may update this Children's Online Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or regulatory guidance.
*APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed. Children under 12 are eligible to become Cub Club members. On 12th birthday, Cub Accounts will automatically transfer to a regular Signet Savings account. The first $1,000 in a Cub Account earns 5.00% APY. Any portion of the balance above $1,000 earns 1.00% APY. Refer to the Account Disclosures for dividend and compounding details. Cub Accounts are not eligible for rebates. A minimum opening deposit of $10 is required to become an official Cub Club member. Other terms and conditions may apply, ask a Member Relationship Specialist for more information. Federally Insured by NCUA.
Cub Accounts are intended to be opened in person at a Signet branch by an adult on behalf of a child under the age of 12. Our website does not permit children to independently establish an account or submit personal information online.
The Berenstain Bears Copyright, Berenstain Enterprises, Inc. 2026