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Club Accounts


Join the Route 31 C.U.B.S. Club! It’s a terrific way to start saving. You can earn fun prizes, too! Here is how it works. For every $1.00 you deposit into your account we’ll give you a $1.00 C.U.B.S. Buck. When you have $200 C.U.B.S Bucks, you can buy a stuffed CUB-in-a-box.

Become a Co-op C.U.B.S. member today! It’s easy. Ask your parents to bring you to either Route 31 Credit Union branch to sign-up. It only takes a minimum $5 deposit to open an account. When you become a Co-op C.U.B. you will receive:

  • An official membership card
  • A C.U.B.S. goody bag

Teen Club

Our Teen Club is for members 13-17 years of age. It requires a minimum deposit of only $5.00.

In January of 2018 we revamped our teen club accounts to help encourage our teen members to save money and learn financial responsibility.

Punch Card – Each teen will receive a punch card and every time a teen makes a deposit of $25 or more (in person), they get a punch on their punch card (limit 1 punch per day) and after 8 punches (filled card), they get a movie ticket or $5 gift card.  They must have at least $200 in account at time of redemption.  If teens receive direct deposit (with minimum aggregate of $25 per month), they can stop in and receive 1 punch per month that they received the direct deposit.

Drawing – Each quarter all teen members that had at least one deposit with an aggregate balance of at least $25 during the quarter will be entered in a drawing for a $50 gift card to a store.

College Scholarship Available!

We give out 4 $500 scholarships each year.

Free Financial Consultation for our Teen Club members when they turn 18!

When our Teen members turn 18, they will be receiving a letter in the mail inviting them to come in for a free financial consultation to get them started on the right foot. They will also receive a free movie ticket.

Christmas Club

A Christmas Club account is a special savings account you can use to save money for the holidays so you aren’t left feeling like Uncle Scrooge. Save for those additional expenses incurred during the holidays to help avoid financial pressure and reduce stress.

  • Funds will be transferred to your share account on November 1st of each year.
  • Dividends are compounded and posted quarterly.
  • Deposits can be made through payroll deduction and direct deposit, ACH, by mail and in person.
  • Deposits made after the rollover date automatically restart the Christmas Club for the next year.
  • A monthly balance in a Christmas Club earns a point value of 25 in our Member Rewards Program.

Vacation Club

Save for that special vacation with a Route 31 Credit Union Vacation Club account.

  • A minimum amount of $5.00 to open this account
  • Dividends are compounded and posted quarterly
  • Deposits can be made through payroll deduction and direct deposit, ACH, by mail, in person and online.
  • Members can withdraw money from their vacation club at any time without penalty.
  • A monthly balance in a Vacation Club earns a point value of 25 in our Member Rewards Program.

Tax Club

You can save money in a Tax Club account, so you’ll have money when your taxes are due. This account earns the same dividend rate as a regular savings account. Requires a minimum $300 balance to earn a dividend. Deposits and withdrawals can be made at any time.