We’re so glad you’re here! When you join, you become a member-owner—unlocking better rates, fewer fees and a powerful cycle where your deposits fund loans for other members (just as theirs do for you). You deserve a money partner that gets you. Ready to be part of something special?
Track your credit, pay bills and more—all in Shine Online and Mobile Banking. With personalized insights built in, it’s like having a money coach in your pocket.
Local Service
You can find us in Iowa, Illinois and Wisconsin. And if you’re road-tripping, you can also access your money at Shared Branches and ATMs nationwide.
Member Perks
From free expert credit reviews to personalized Money Makeovers, we’ve packed your Dupaco membership with tools designed to help you build a life worth loving.
WHO CAN JOIN
You're Eligible to Join Dupaco If ...
You live or work within our charter area or have an immediate family member who’s a member. To join, simply open a savings account with $25 or more. Even if you move away, you can still take advantage of all Dupaco’s offerings as long as you keep at least $25 in your savings account!
If you’re teaming up on an account, it’s helpful to know who does what! Here’s a quick breakdown:
Primary member/account owner: Every membership starts with a primary member. You open your share with a one-time $25 deposit linked to your SSN or Tax ID. This membership is exclusively yours, giving you full responsibility and control over your accounts while you’re living.
Joint/secondary account owner: You’re the support team—like a partner, parent or co-borrower added to an account by the primary member. Your access is defined in your signed agreement. You can open your own membership share, but it won’t change access to accounts you’ve been added to.
Primary vs. Joint: What's the diff?
Here's an overview of how privileges work
Privileges
Primary Member
Joint/Secondary Owner
Access and manage the shared account through Shine, over the phone, and in-branch
Yes
Yes (with their own login or identity authentication credentials)
Perform day-to-day banking transactions on the shared account (like deposits, withdrawals, transfers, etc.)
Yes
Yes
Remove joint/secondary owners from the shared account
Yes
Yes (with the Primary's verbal authorization)
Open and add new accounts, loans, and lines of credit to the primary member's membership
Yes
No
Access and manage all accounts associated with the primary member's SSN or TIN
Yes
No (just the ones they're added to)
Close a shared account, loan, or line of credit
Yes
Yes (unless it's a Share Savings account)
Close a primary member's membership
Yes
No
Support For Your Business Goals
Whether you’re scaling a startup or leading an established company, we’re here to help you grow with confidence. From purchasing power to smart payment software, you’ll get the tools and support your business deserves.
All Dupaco member-owners ages 18 to 85 are eligible to receive a free $1,500 Accidental Death and Dismemberment insurance policy. Dupaco arranges this no-cost benefit on your behalf and takes care of the insurance premiums for you. All you have to do is sign up!
Free Credit Score and Reporting
Your credit score affects your life in multiple ways — loan eligibility, insurance rates, qualification for employment and housing, and more. Our free Bright Track credit monitoring and reporting tool enables you to view, monitor, and completely understand your credit score, and discover practical and effective ways to improve it.
Online and Mobile Banking
Access your accounts anytime, anywhere. Dupaco’s Shine Online & Mobile Banking gives you simple, convenient, and secure options for viewing transactions, transferring funds, paying bills and much more!
Refer-a-Friend Program
As a Dupaco member, you can earn $50 for every person you refer to Dupaco — and we’ll give each of them $50, too!
Shared Branching
Shared branching extends Dupaco’s signature personal service to wherever you are. Enjoy face-to-face access and service at more than 5,600 participating credit unions nationwide. Cash checks, make deposits, transfer money, make loan payments and more.
Other Dupaco Member Perks and Benefits
Online loans, mortgages, account openings and counseling
Free automobile-purchase consultation
Loan Payment Protection program and overdraft protection
We only do this when it's helpful for you. But we must inform you that Dupaco isn't responsible for the site's content, products, services, policies or sponsors. Also, Dupaco's Privacy Policy does not apply to third-party sites. So, if you have concerns, please look at its privacy disclosures.
We only do this when it's helpful for you. But we must inform you that Dupaco isn't responsible for the site's content, products, services, policies or sponsors. Also, Dupaco's Privacy Policy does not apply to third-party sites. So, if you have concerns, please look at its privacy disclosures.
