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What’s this talk about “joining” Dupaco? Well, a credit union like Dupaco is a not-for-profit financial cooperative. So when you open an account, you are joining as a member and owner of the credit union.

Joining Dupaco is easy and smart because you’ll save money (low- and no-fee services and lower loan rates) and make money (high dividends). Plus you’ll have access to tons of benefits, solutions and services, and in-house experts who will help you put them all to good use.

Not a member yet?

Use our simple online application to join Dupaco and open your account.

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Already a member?

Great! You can easily add new accounts to your existing membership in Shine.

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Your money for good

Dupaco is the financial home of more than 164,000 member-owners. Every day we work hard to serve and enrich the lives of each and every one of them. Here are just a few examples of how we helped people like you:

How to Join

Proper introductions
We spend an average of 45 minutes with each new member, providing free financial coaching to help them.

Nearly $27.7+ million
Total Thank Use ownership perks paid to members since 2016 for using Dupaco services.

Total free Credit History Lessons and Money Makeovers provided for members in 2023.

Dupaco Charter Area

You are eligible to join Dupaco if you live or work within our charter area or have an immediate family member who is a Dupaco member. To become a member, simply open a savings account with $25 or more. Even if you move away, you can still take advantage of all Dupaco’s service offerings as long as you keep at least $25 in your savings account.


Dupaco is chartered to serve those who live or work in the counties of Adair, Adams, Allamakee, Appanoose, Audubon, Benton, Black Hawk, Boone, Bremer, Buchanan, Buena Vista, Butler, Calhoun, Carroll, Cass, Cedar, Cerro Gordo, Cherokee, Chickasaw, Clarke, Clay, Clayton, Clinton, Crawford, Dallas, Davis, Decatur, Delaware, Des Moines, Dickinson, Dubuque, Emmet, Fayette, Floyd, Franklin, Fremont, Greene, Grundy, Guthrie, Hamilton, Hancock, Hardin, Harrison, Henry, Howard, Humboldt, Ida, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Kossuth, Lee, Linn, Louisa, Lucas, Lyon, Madison, Mahaska, Marion, Marshall, Mills, Mitchell, Monona, Monroe, Montgomery, Muscatine, O’Brien, Osceola, Page, Palo Alto, Plymouth, Pocahontas, Polk, Pottawattamie, Poweshiek, Ringgold, Sac, Scott, Shelby, Sioux, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren, Washington, Wayne, Webster, Winnebago, Winneshiek, Woodbury, Worth, and Wright Counties in Iowa; Columbia, Crawford, Dane, Dodge, Grant, Green, Iowa, Jefferson, Lafayette, Richland, Rock, Sauk, Walworth, and Waukesha Counties in Wisconsin; and Carroll, Jo Daviess, Rock Island, Stephenson and Whiteside Counties in Illinois.

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