Coming October 1: Signet's New Cub Account!

Welcome to the Cub Club

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.

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.

*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. Rates as of October 1, 2026, subject to change at any time and are not guaranteed. 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

OFFICIAL RULES:

Signet Federal Credit Union® Cub Club $100 Giveaway

NO PURCHASE OR ACCOUNT OPENING NECESSARY TO ENTER OR WIN. A PURCHASE, DEPOSIT, OR ACCOUNT OPENING WILL NOT INCREASE THE ODDS OF WINNING.

1. SPONSOR

The Cub Club $100 Giveaway (“Promotion”) is sponsored by Signet Federal Credit Union®, Paducah, Kentucky (“Sponsor”). This Promotion is subject to these Official Rules and applicable federal, state, and local laws and regulations. Void where prohibited by law.

2. PROMOTION PERIOD

The Promotion begins October 1, 2026 and ends October 29, 2026 (“Promotion Period”). Entries must be received by the close of business on October 29, 2026 to be eligible.

3. ELIGIBILITY

The Promotion is open to children under age 12 who otherwise satisfy applicable Signet Federal Credit Union® membership and Cub Club eligibility requirements. Because the entrant is a minor, a parent or legal guardian must act on the child’s behalf for entry, winner notification, verification, and acceptance of the prize. Employees, officials, and volunteers of Signet Federal Credit Union®, and members of their immediate families or households, are not eligible to enter or win. “Immediate family” includes spouse, parent, child, sibling, and their respective spouses, regardless of residence.

4. HOW TO ENTER

There are two methods of entry. (A) Automatic Entry: During the Promotion Period, an eligible child for whom a new Cub Account is opened will automatically receive one entry. The Cub Account has a $10 minimum opening deposit under the account terms. (B) Free Alternate Method of Entry: No account opening, purchase, or deposit is required. A parent or legal guardian may submit one entry for an eligible child by providing the child’s name and date of birth; the parent/legal guardian’s name, mailing address, phone number, and email address; and the words “Cub Club $100 Giveaway” on a legible written entry and delivering or mailing it to: Signet Federal Credit Union®, Attn: Cub Club $100 Giveaway, 163 Pecan Ct., Paducah, KY 42001. Mailed entries must be postmarked by October 29, 2026 and received within five (5) business days after the Promotion Period ends. Limit one entry per eligible child, regardless of method of entry. Duplicate entries may be disqualified.

5. PRIZE AND ODDS

One (1) prize of $100 will be awarded. Approximate retail value (“ARV”): $100. If the winner has an eligible Cub Account, the prize may be deposited into that account; otherwise, Sponsor will provide the prize to the winner through the child’s parent or legal guardian in a form determined by Sponsor. The prize is non-transferable except as permitted by Sponsor. Odds of winning depend on the total number of eligible entries received.

6. WINNER SELECTION AND NOTIFICATION

One potential winner will be selected at random from all eligible entries received. The drawing will take place after the Promotion Period and after the deadline for receipt of timely mailed alternate entries. Sponsor will contact the parent or legal guardian using the contact information associated with the entry. Eligibility and parental/legal guardian status may be verified before the prize is awarded. If the potential winner cannot be contacted within a reasonable period, is ineligible, declines the prize, or fails to complete requested verification, Sponsor may select an alternate winner at random from the remaining eligible entries.

7. GENERAL CONDITIONS

By participating, the entrant’s parent or legal guardian agrees to these Official Rules and Sponsor’s decisions regarding administration of the Promotion, subject to applicable law. Sponsor may disqualify entries that are incomplete, illegible, duplicated, fraudulent, altered, or otherwise inconsistent with these Official Rules. Sponsor reserves the right, to the extent permitted by law, to modify, suspend, or cancel the Promotion if circumstances beyond Sponsor’s reasonable control materially affect its administration, integrity, or fairness. Sponsor is not responsible for lost, late, misdirected, incomplete, damaged, or undeliverable entries or communications.

8. PRIVACY

Information collected in connection with the Promotion will be used to administer the Promotion, verify eligibility, contact the potential winner, and fulfill the prize, and will be handled in accordance with applicable law and Signet Federal Credit Union® privacy practices.

9. ACCOUNT TERMS AND NCUA

Cub Account eligibility, rates, APY, minimum opening deposit, and other account terms are separate from this Promotion and remain subject to Signet Federal Credit Union® account disclosures and applicable terms and conditions. No purchase, account opening, or deposit is necessary to enter the Promotion through the free alternate method of entry. Federally Insured by NCUA.

Please retain these Official Rules for your records.