Credit Union Network for Financial Literacy
CUNFL is a Credit Union Service Organization and exclusive licensor of The Berenstain Bears Financial Literacy Program, selling branded youth financial education materials, books, and Cub Club memberships to credit unions across the U.S. and Canada.
- Company typePrivate
- Founded2013
- HeadquartersChadds Ford, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Credit Union Network for Financial Literacy does
Credit Union Network for Financial Literacy (CUNFL) is a Credit Union Service Organization (CUSO) and the exclusive national licensor of The Berenstain Bears Financial Literacy Program, a youth-focused financial education and marketing platform sold to credit unions across the U.S. and Canada. Founded in 2013 as a wholly owned subsidiary of Franklin Mint Federal Credit Union and headquartered in Chadds Ford, Pennsylvania, CUNFL monetizes an exclusive licensing agreement with Berenstain Enterprises, Inc. that prohibits any other financial institution from pairing the Berenstain Bears characters with financial education. The core offering is a turnkey package combining two credit union-specific books (The Berenstain Bears Visit the Credit Union and a credit-union edition of The Berenstain Bears' Trouble With Money), the Cub Club membership program, branded "Cub Account" youth savings products, lesson plans, customizable marketing collateral, and a children's engagement website at cubclubonline.com. Supporting components include themed merchandise such as coin-counter graphics and bear costumes, plus the Bear Country Credit Union interactive literacy center operated by parent FMFCU.
CUNFL distributes exclusively to licensed credit unions through direct enterprise sales and recurring multi-year contracts, supported by webinars, industry trade publications, and referrals via credit union associations. The program is endorsed by the National Credit Union Foundation. Reported customer outcomes include a 30% average household membership lift in the first year of adoption, 100% increases in youth accounts for individual licensees (O Bee Credit Union, PrimeTrust FCU), and 3,800 Cub Accounts opened at Teachers FCU with $4.7MM in deposits within roughly two years of launch. Adoption has reached credit unions in 13 U.S. states and Canada, including named licensees such as FMFCU, RT Federal Credit Union, Armco Credit Union, Coastal Community FCU, Vacationland FCU, Okaloosa County Teachers FCU, O Bee CU, PrimeTrust FCU, Teachers FCU, Synergy FCU, Peach State FCU, and Providence FCU.
The underlying technology is content and curriculum rather than software-platform based: there is no public API, no SDK, no disclosed AI/ML components, and no app products. Revenue is generated through program licensing, one-time book sales, and merchandise/hardware sales to participating credit unions. As a CUSO subsidiary, CUNFL does not separately disclose financials and has no external venture funding; ownership and control rest entirely with Franklin Mint Federal Credit Union.
Credit Union Network for Financial Literacy firmographics
Firmographics- Name
- Credit Union Network for Financial Literacy
- Legal name
- Credit Union Network for Financial Literacy, LLC
- Website
- https://cunfl.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CUNFL is a Credit Union Service Organization and exclusive licensor of The Berenstain Bears Financial Literacy Program, selling branded youth financial education materials, books, and Cub Club memberships to credit unions across the U.S. and Canada.
- Ownership category
- akta.pro rank
Credit Union Network for Financial Literacy industry classification
Industry- Product category
- Financial Education Services
- NAICS
- Educational Support Services (61171), Educational Services (611)
- SIC
- Services-Educational Services (8200)
- akta.pro primary industry
- Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC)
- akta.pro secondary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Credit Union Network for Financial Literacy is headquartered
LocationHeadquarters
- HQ city
- Chadds Ford
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Credit Union Network for Financial Literacy business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Program Licensing to Credit Unions: CUNFL licenses The Berenstain Bears Financial Literacy Program to credit unions across the U.S. and Canada. Licensees receive rights to use Berenstain Bears characters, access to educational materials, Cub Club, branded youth savings accounts, and marketing collateral.
- Book Sales: Sale of Berenstain Bears financial literacy books in the Credit Union Financial Literacy Series to licensed credit unions. Books include 'The Berenstain Bears Visit the Credit Union' and credit union editions of classic Berenstain Bears titles.
- Merchandise and Supplies: Sale of Berenstain Bears themed merchandise including coin counter designs, authentic bear costumes, activity books, and promotional materials to participating credit unions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Program licensing for credit unions |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
Credit Union Network for Financial Literacy product offering
Product offeringCore offering
Credit Union Network for Financial Literacy (CUNFL) licenses The Berenstain Bears Financial Literacy Program exclusively to credit unions in the U.S. and Canada. The licensed package includes rights to use Berenstain Bears characters, lesson plans and educational materials, the Cub Club membership sub-program with branded youth savings accounts, two credit-union-specific books, and customizable marketing collateral. The end product enables credit unions to teach children ages 5-12 the 'Save, Share, Spend, Earn' money management concept while growing family membership.
Product overview
Credit Union Network for Financial Literacy (CUNFL) operates The Berenstain Bears Financial Literacy Program as its primary offering—a unified youth education and marketing platform for credit unions. The program centers on licensed Berenstain Bears characters to teach children the 'Save, Share, Spend, Earn' money management concept. Key products include two credit union-specific books (The Berenstain Bears Visit the Credit Union and The Berenstain Bears' Trouble With Money), the Cub Club membership component with branded Cub Accounts, the cubclubonline.com children's website, Bear Country Credit Union interactive literacy center, and themed marketing assets like coin counter designs and costumes. The program is distributed exclusively to licensed credit unions and is endorsed by the National Credit Union Foundation.
Differentiator
Problem solved
Functional benefit
Brands
- The Berenstain Bears Financial Literacy Program: A youth marketing and education program designed exclusively for credit unions that teaches children age-appropriate money management concepts using Berenstain Bears characters.
- Cub Club
- Bear Country Credit Union
- Credit Union Financial Literacy Series
Products and services
- The Berenstain Bears Financial Literacy Program A comprehensive youth marketing and education program designed exclusively for credit unions that teaches children money management through licensed Berenstain Bears characters. Includes lesson plans, activities, branded youth accounts, Cub Club membership, and access to credit union-specific books.
- Cub Club A youth membership sub-program featuring branded Cub Accounts, membership cards, birthday cards, activity books, customizable communications, and Berenstain Bears graphics designed to establish lifelong credit union relationships with young members.
- The Berenstain Bears Visit the Credit Union (Book) A book written and illustrated by Mike Berenstain exclusively for credit unions, teaching children about credit union membership and money management. Available customized with credit union logos.
- The Berenstain Bears' Trouble With Money (Credit Union Edition) A 1983 classic Berenstain Bears book re-released as a credit union edition, replacing all bank references with credit union references. Part of the Credit Union Financial Literacy Series.
- cubclubonline.com A dedicated children's website featuring games, activities, and financial wellness tips based on the Berenstain Bears series to reinforce money management concepts for members of participating credit unions.
- Bear Country Credit Union An 1,100 square foot interactive financial literacy center at FMFCU headquarters where children participate in hands-on role-playing activities to learn about credit unions and money management.
Quantifiable outcome
- 30% average increase in household membership within first year of program adoption
- +3 more outcomes
Companies that use Credit Union Network for Financial Literacy
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles1 record
Credit Union Network for Financial Literacy technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Credit Union Network for Financial Literacy partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- National Credit Union Foundation (NCUF)coreNCUF endorsed The Berenstain Bears Financial Literacy Program in February 2016, recognizing it as an innovative and interactive financial education initiative. Gigi Hyland, NCUF Executive Director, joined the CUNFL Advisory Board in 2016.
- Berenstain Enterprises, Inc.coreExclusive licensing agreement granting CUNFL rights to use Berenstain Bears characters for financial education programs. This partnership prohibits all other financial institutions from using Berenstain Bears in conjunction with financial education, creating a significant competitive moat. The partnership began in 2012 when CUNFL staff started developing the Berenstain Bears Financial Literacy Program.
- Franklin Mint Federal Credit Union (FMFCU)coreFMFCU is the parent organization that created CUNFL as a wholly owned CUSO. FMFCU developed the original Berenstain Bears Financial Literacy Program and Bear Country Credit Union financial literacy center. FMFCU provides staffing, educational resources, and ongoing program support.
- Mike BerenstaincoreMike Berenstain, Author, Illustrator, and President of Berenstain Enterprises, serves on the CUNFL Advisory Board. He wrote and illustrated 'The Berenstain Bears Visit the Credit Union' (2015) exclusively for the program.
- Gigi HylandcoreExecutive Director of National Credit Union Foundation joined the CUNFL Advisory Board in March 2016. She is recognized for her passion for financial literacy and commitment to the credit union movement.
- Consumer Financial Protection Bureau (CFPB)CFPB offers free financial education resources for consumers and credit unions. CUNFL hosts webinars featuring CFPB Senior Advisors to showcase these resources to credit unions.
- Consumer Financial Protection Bureau (CFPB)minorCFPB's Money as You Grow Bookshelf includes Reading Guides for The Berenstain Bears' Trouble with Money, recognizing the program's educational value.
- NAFCU (National Association of Federally-Insured Credit Unions)minorNAFCU highlights FMFCU's financial literacy efforts during America Saves Week and promotes credit union financial education programs through industry communications.
Scale indicators6 records
Recent moves8 records
Expansion highlights4 records
Credit Union Network for Financial Literacy competitors and assessment
Company assessmentMarket position
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Credit Union Network for Financial Literacy social profiles
Digital presenceCredit Union Network for Financial Literacy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Union Network for Financial Literacy leadership team
Management profileNumber of profiles
Profiles4 records
Credit Union Network for Financial Literacy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Union Network for Financial Literacy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Union Network for Financial Literacy
What does Credit Union Network for Financial Literacy do?
Credit Union Network for Financial Literacy (CUNFL) licenses The Berenstain Bears Financial Literacy Program exclusively to credit unions in the U.S. and Canada. The licensed package includes rights to use Berenstain Bears characters, lesson plans and educational materials, the Cub Club membership sub-program with branded youth savings accounts, two credit-union-specific books, and customizable marketing collateral. The end product enables credit unions to teach children ages 5-12 the 'Save, Share, Spend, Earn' money management concept while growing family membership.
Is Credit Union Network for Financial Literacy a public or private company?
Credit Union Network for Financial Literacy is a private company. It is classified as corporate owned and is currently operating.
When was Credit Union Network for Financial Literacy founded?
Credit Union Network for Financial Literacy was founded in 2013. It employs 11 to 50 people.
Where is Credit Union Network for Financial Literacy based?
Credit Union Network for Financial Literacy is headquartered in Chadds Ford, United States, in the North America region.
How does Credit Union Network for Financial Literacy make money?
Three revenue lines are on record. Program Licensing to Credit Unions are the primary driver. The others are book Sales and merchandise and Supplies.
Does Credit Union Network for Financial Literacy have an API?
No public API is recorded for Credit Union Network for Financial Literacy.
What industry is Credit Union Network for Financial Literacy in?
Credit Union Network for Financial Literacy's product category is Financial Education Services. Its primary akta.pro industry code is EDAAAJAC, Credit & Debt Management (Credit Scores, Loans, Repayment), with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 61171 and its SIC code is 8200.