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New Homebuyer Home Loans from 4.25% APR ®


Open a Cub Account & Join in the Fun!

Your child, 10 and younger, is invited to open a Berenstain Bears® Cub Account* with us! We've teamed up with the popular children's characters to help teach children the money management concepts of Save, Share, Spend, and Earn.

"Beary" Fun Stuff

Cub Account kids receive so many goodies:

  • Welcome Sling Bag:
    • Piggy bank
    • The Berenstain Bears® Trouble with Money book
    • Bookmarker
    • Coloring book
    • Box of colored pencils
    • Stickers
  • Birthday present
  • And more!
Celebrate with More Savings

When you open a Cub Account, your child is eligible to open a Cubby Certificate of Deposit (must also sign up for free eStatement) -- a 12-month 5.00 APY** for up to $500 deposit (new money only).

Bring your child to any of our branches to get a Welcome Sling Bag when they open a Cub Account. To learn more, give us a call at (503) 215-6090.

ATTN: iPlus Youth Accountholders!
All iPlus Youth accounts ages 10 and younger are already a Berenstain Bears® Cub Accountholders! To receive a Welcome Sling Bag, simply come into a branch and make at least a $5 deposit (new money, no transfer) into your new cub Account. It's that easy to start saving. Save even more by opening a Cubby Certificate of Deposit!

*Cub Accounts are only available for members 10 years old or younger. When the account owner reaches 11 years old, the Cub Account will be automatically converted to an iPlus account.
**APY (ANNUAL PERCENTAGE YIELD). Cubby Certificates are only available for members 10 years old or younger who also have a Cub Account. Estatements are required for Cubby Certificates. Only one Cubby Certificate is available for each member. Deposits will be permitted until the $500.00 maximum balance; after that, no new funds may be deposited to a Cubby Certificate. The maximum balance for Cubby Certificate is $500; no deposits in excess of that amount will be permitted. 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.

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For 50 years, Providence Federal Credit Union has helped members just like you secure funds when needed. We offer a wide range of low-rate consumer loans to meet all your borrowing needs.