The Perks of Belonging

Think of this as your all-access pass to a better financial life! 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. You’ll even get 24/7 access to our mobile banking app that comes with free credit tracking and insights tailored just for you. 

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Request a Free Money Makeover

Ready to pay less and save more? Whether you want to master your budget, get ready to buy a home or finally start that retirement nest egg, our experts are here to help you reach your big dreams. We’ll sit down one-on-one for a confidential chat to build your custom roadmap. And the best part? It’s free and open to everyone—even if you aren’t a Dupaco member! Grab our Budget Worksheet for a head start and let’s get your money working harder for you.

 

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BUILD YOUR CREDIT

A Score You’re Proud Of

Whether you’re starting from scratch or bouncing back, we’re here to help you get your credit in amazing shape. Use our form to request your choice of a:

  • Free Credit History Lesson: Get a one-on-one deep dive to help you understand your report and build your score.
  • Credit Coach Loan: Get expert coaching with a special credit-building loan. We’ll secure your loan funds (up to $1,500 at 8.95% APR1) in a savings account while you make payments for up to 12 months. At the end, you could have a stronger score and a nice chunk of savings. 

 1For a $1,500 loan for a term of 12 months with a 8.95% APR, the monthly payment will be $131.14.

Get Started
REFER YOUR FRIENDS

Share the Love (and Cash!) 

Love being a member? Invite your friends and family to join Dupaco and you could earn $50 for every person you refer1

How to get started: 
Log in to Shine Online or Mobile Banking and visit your Refer-a-Friend dashboard under ‘My Perks.’ You’ll earn your cash when your referral completes their required steps.
 

To be an eligible referrer, you must:

  • Be a personal member with a primary savings account ($25 minimum balance).

  • Have an active Dupaco checking account2 at the time of referral and payout.

  • Your accounts must be in good standing (no loans delinquent by 60 or more days OR a negative checking account balance for 30 or more days at time of payout). 

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Digital Banking on Your Terms

Stay connected to your money with Shine Online and Mobile Banking’s smart tools built to go where you go. Track your spending with personalized insights, pay bills securely and handle your transfers—all from the palm of your hand.

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The Fine Print

1Referral payments limited to ten (10) per referring member, per calendar year. Referrals are tracked on an individual basis. Bonus paid within 3-5 business days of referred member meeting active checking definition (see below). Referred member must meet active checking definition within 90 days of becoming a member.

2ACTIVE CHECKING DEFINITION: a) Set up direct deposit to your checking account, and have a total of five or more check, debit card or automated clearing house (ACH) debit transactions on that checking account within 90 consecutive days OR b) If you cannot directly deposit to your checking account, then have ten check transactions, or eight debit card transactions, or five ACH debit transactions or three bill pay transactions on that checking account within 90 consecutive days. The referred member must meet one of the criteria during 90 days prior to the referral payout date. Please click the individual account sections above for the most up-to-date deposit rates.