• Berenstain Bears Financial Wellness Program
  For ages 0-10
• Moneysmart Program
  For ages 11-17
• Coogan Trust
  For Cubs in the
  Entertainment Industry

*To receive the $25 Youth Account Bonus (“Bonus”), you must open a new Bears Cub Account or Money Smart Account (“Qualifying Account”) between 11/1/2025 and 11/30/2025 (“Promo Period”). A minimum balance of $100 is required at opening or by 11/30/2025 to qualify for the $25 bonus. The account must remain open and in good standing at the time of bonus deposit. Bonus will be credited to the Qualifying Account no later than 12/15/2025. Limit one (1) bonus per member. Existing Bears Cub or Money Smart Accounts are not eligible. Terms and conditions apply. The Credit Union reserves the right to modify or terminate this promotion at any time without notice. DFCU employees, Board members, and volunteers are not eligible to receive this offer. Bears Cub and Money Smart Accounts earn dividends with a $5 balance or more. Dividends are compounded daily and paid monthly. To open an account, please visit our Downey Federal Credit Union branch. Youth accounts must be opened by a parent or legal guardian who will be a joint owner on the youth account. You will be required to present your child’s ID, Birth Certificate, and Social Security Card in order to establish this account. Earns dividends with a $5 balance or more. Dividends compounded daily and paid monthly.