Save Your Money, Your Way

Looking to save for something special? Or build a safety net for the future? Saving doesn’t have to be complicated. Whatever your goals, you have options to save your way—with the peace of mind that your money is federally insured.

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Share Savings Accounts

Whether you’re tucking away money for a rainy day or naming your specific dreams, our primary savings account is your ticket to ownership and member perks. It’s a simple, flexible way to stay in control and watch your money grow.

Open with just $25 and earn dividends on balances of $100 or more.
Enjoy tiered dividend rates that reward you as your savings balance grows.
Create unlimited goal accounts in Shine Online and Mobile Banking to name and track your dreams.

Open my Share Savings

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Online-Only Savings Accounts

Give your savings a glow up with a competitive 2.25% APY and zero monthly service fees. This account is built for speed—it takes just minutes to open and features smart, automated tools that help you save more without the guesswork.

There’s no minimum to open and no complicated earning tiers.
Turn on eStatements to unlock the special rate and watch your savings grow.
Organize your savings in virtual buckets and get personalized savings insights.

Open my Bright Savings

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Money Market Accounts

Take your savings to the next level with a flexible money market that offers higher dividends than standard savings. We offer two options—Investor’s Choice and High-Yield Savings—so you can choose the best fit for your balance.

Choose Investor’s Choice for balances of $2,500+ or High-Yield Savings for $50,000+.
Withdraw funds in person or online any time*. Check-writing isn’t available.
Tiered rates reward you with higher returns as your balance grows.

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Open my High-Yield Savings

*Minimum withdrawal $250. No penalties for withdrawals made in-branch.

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Term-Share Certificates

Build your savings with a guaranteed, above-average return. Certificates (the credit union version of bank CDs) provide a deliberate approach to saving—whether you’re planning for a big purchase or just want a secure place to grow your money.

Lock in a higher dividend rate for a few months or a few years.
Use your certificate as security for a loan or to save for long-term goals.
While early withdrawal penalties apply, your fixed rate guarantees steady growth.

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Holiday Club Accounts

Make your holiday season brighter by saving year-round. You’ll have your funds in time for the holidays—helping you avoid credit card debt. Your account renews automatically each year. Bonus: Download our free holiday budgeting guide!

No minimum balance requirements—open your Holiday Club account and start earning!
Since early withdrawals close your account, it’s easier to commit to saving.
On Oct. 31, your balance automatically transfers to your checking account.

Open my Holiday Club

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Health Savings Accounts

If you have a high-deductible health plan, an HSA is a smart way to save for medical expenses with potential tax advantages^*. You can even pay bills with a free HSA debit Mastercard. To get started, give us a call at 800-373-7600, ext. 218.

Open with $25 and enjoy potential tax-deductible contributions, tax-deferred earnings and tax-free withdrawals for qualified medical expenses*.
Your balance rolls over every year and stays with you if you change coverage or jobs.
Avoid monthly service fees** by meeting balance and account criteria.

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*Consult a tax advisor for additional tax information.
**To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in your Dupaco HSA and/or checking accounts OR have a Dupaco checking account with direct deposit and free eStatements.

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Kids Accounts

Help little ones build big dreams and great money habits with a DoPACK account designed just for them. Kids age 12 and under can earn prizes and watch their allowance grow. To get started, give us a call at 800-373-7600 or visit a branch!

Open an account with $25 and enjoy the same rates as our regular savings
Deposits of $5+ earn a paw print on a Saver's Club Card, which can earn prizes.
DoPACK kids get mail with money tips and activities just for them.

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Savings Account Rates

Share Savings Account

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
Share Savings	$25,000+	0.20%	0.20%	$25	$25,000
Share Savings	$10,000 - $24,999.99	0.15%	0.15%	$25	$10,000
Share Savings	$2,500 - $9,999.99	0.10%	0.10%	$25	$2,500
Share Savings	$100 - $2,499.99	0.10%	0.10%	$25	$100
Share Savings	$0.00 - $99.99	0.00%	0.00%	$25	$0.00

Rates are effective as of 01/06/2026 and are subject to change without notice.

¹Savings Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Bright Savings Online-Only Savings Account

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
Bright Savings	$0.01 - $1,000,000	2.23%	2.25%	$0	$0.01

Rates are effective as of 08/13/25 and are subject to change without notice.

¹APY = Annual Percentage Yield. The rate is variable and may change after opening the account. APY is accurate as of the last dividend declaration date.

To earn dividends, make sure you're signed up for eStatements. If you are not enrolled in eStatements by the end of the month, you will not receive any dividends. 

This account is available exclusively to consumer members. Business, fiduciary, minor, estate, and trust accounts are not eligible. This account must be opened online through Dupaco's Online Application and is limited to one account per Social Security Number (SSN). The Bright Savings Account will be limited to One Million dollars ($1,000,000.00), inclusive of all principal and dividend accruals. Fees could reduce earnings. Rates, terms, and conditions are subject to change at any time.

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You-Name-It Savings Account

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
You Name It Savings	$25,000+	0.20%	0.20%	$0.00	$25,000
You Name It Savings	$10,000 - $24,999.99	0.15%	0.15%	$0.00	$10,000
You Name It Savings	$2,500 - $9,999.99	0.10%	0.10%	$0.00	$2,500
You Name It Savings	$100 - $2,499.99	0.10%	0.10%	$0.00	$100
You Name It Savings	$0.00 - $99.99	0.00%	0.00%	$0.00	$0.00

Rates are effective as of 01/06/2026 and are subject to change without notice.

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Holiday Club Savings Account

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
Holiday Club Savings	$0.01+	0.20%	0.20%	$0.00	$0.01

Rates are effective as of 01/06/2026 and are subject to change without notice.

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Money Market Account Rates

Investor’s Choice

Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
$100,000+	0.40%	0.40%	$2,500	$100,000
$25,000 - $99,999.99	0.35%	0.35%	$2,500	$25,000
$10,000 - $24,999.99	0.30%	0.30%	$2,500	$10,000
$2,500 - $9,999.99	0.25%	0.25%	$2,500	$2,500
$0.01 - $2,499.99	0.20%	0.20%	$2,500	$0.01

Rates are effective as of 01/06/2026 and are subject to change without notice.

¹Money Market Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. Available to individual and small business member accounts only. Not available to investment companies and financial institutions. Maximum deposit limits may apply.

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High-Yield Savings

Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
$1,000,000+	2.42%	2.45%	$50,000	$1,000,000+
$500,000 - $999,999.99	2.23%	2.25%	$50,000	$500,000
$250,000 - $499,999.99	2.03%	2.05%	$50,000	$250,000
$100,000 - $249,999.99	1.83%	1.85%	$50,000	$100,000
$0.01 - $99,999.99	1.49%	1.50%	$50,000	$0.01

Rates are effective as of 07/01/2025 and are subject to change without notice.

¹High-Yield Savings: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. $50,000 minimum balance to open and maintain the account. Rates may vary after account is opened. Minimum daily balance to earn must be maintained each day to obtain the disclosed APY. Dividends are calculated daily and credited and compounded monthly. Programs, rates, terms, and conditions are subject to change without notice. Fees may reduce earnings on account. Available to individuals, trusts, estates and small businesses. Not available to investment companies and financial institutions. Maximum deposits limits may apply.

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Term-Share Certificate Rates

Special

Term	Dividend Rate	Annual Percentage Yield (APY)	Min. to Earn
10 Month Fixed Jumbo Certificate Special	3.86%	3.90%¹	$100,000
10 Month Fixed Certificate Special	3.76%	3.80%²	$1,000
25 Month Fixed Jumbo Certificate Special	3.67%	3.70%¹	$100,000
25 Month Fixed Certificate Special	3.57%	3.60%²	$1,000

Rates are effective as of 03/03/2026 and are subject to change without notice.

¹Fixed Jumbo Term Certificate Special Rate: Minimum amount required to open any Special Jumbo Term Share Certificate is $100,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

²Fixed Certificate Special Rate: Minimum amount required to open any Special Term Share Certificate is $1,000. The dividend rate and annual percentage yield (APY) may change. Dividends begin to accrue on the business day you deposit non-cash items (for example, checks). Dividends will be compounded semi-annually and will be credited to the account semi-annually. Dividends on your account will be credited by adding the dividends to the principle. The annual percentage yield assumes dividends will remain on deposit until maturity. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

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Regular

Term	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Earn
60 Month	1.79%	1.80%	$1,000
48 Month	1.89%	1.90%	$1,000
36 Month	2.09%	2.10%	$1,000
30 Month	2.29%	2.30%	$1,000
24 Month	2.48%	2.50%	$1,000
18 Month	2.68%	2.70%	$1,000
12 Month	2.88%	2.90%	$1,000
6 Month	3.37%	3.40%	$1,000

Rates are effective as of 03/03/2026 and are subject to change without notice.

¹Term Share Certificate Rates: Minimum amount required to open any Term Share Certificate is $1,000. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.

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Health Savings Account Rates

Saving Account Rates

Balance	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
$25,000+	0.35%	0.35%	$25	$25,000
$10,000 - $24,999.99	0.30%	0.30%	$25	$10,000
$2,500 - $9,999.99	0.25%	0.25%	$25	$2,500
$0.01 - $2,499.99	0.20%	0.20%	$25	$0.01

Rates are effective as of 01/06/2026 and are subject to change without notice.

¹Health Savings Account Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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CHANGEUP SAVINGS

Save Every Time You Spend

Sometimes, the small stuff really does add up. With ChangeUp Savings, every debit purchase is rounded up to the next dollar, and the extra change is automatically moved into your savings account. It’s an easy, automatic way to save a little without thinking about it. You can turn it on or off anytime in Shine Online or Mobile Banking. Just log in, choose your checking account and click Actions to Activate ChangeUp Savings.

SAVE FOR GOALS

Name Your Dreams

Whether you’re dreaming of a new car, home renovation or long-overdue vacation, naming your goals helps you visualize what you’re working toward. Stay on track with your goals by organizing your money right inside Shine Online and Mobile Banking:

Savings Goals: With only $5, set a target amount and date for any goal, and we’ll create a custom plan to help you get there.
You-Name-It Savings accounts: With $25, open separate accounts for specific purchases so you know exactly what every dollar is for.
Savings buckets: If you have our Bright Savings account, you can create virtual buckets to split your savings into multiple priorities within one account.

Save Your Money, Your Way

Money Market

Holiday Club

Certificates

Share Savings Accounts

Online-Only Savings Accounts

Money Market Accounts

Term-Share Certificates

Holiday Club Accounts

Health Savings Accounts

Kids Accounts

Rates

Savings Account Rates

CHANGEUP SAVINGS

Save Every Time You Spend

SAVE FOR GOALS

Name Your Dreams

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