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Refer friends. Get cash.
Love Dupaco? Let your friends and family know!

Participate in Dupaco’s Refer-a-Friend and you could earn $50 for every person you refer to Dupaco1. And to sweeten the deal even more, we’ll give each of your referrals the chance to earn $502, too! To get started, log in to your Shine account and visit your Refer-a-friend dashboard.

Log in to Shine

You'll earn $50 for each referral who completes these 3 steps:
Clicks on your unique referral link in their invitation email<sup>3</sup>

Clicks on your unique referral link in their invitation email3

Joins Dupaco & opens a new checking account using our online application<sup>3</sup>

Joins Dupaco & opens a new checking account using our online application3

Successfully meets Dupaco's active checking definition<sup>4</sup>

Successfully meets Dupaco's active checking definition4

To be an eligible referrer, you must...
  • Be a personal member with a primary savings account with $25 minimum balance
  • Have an active Dupaco checking account4 at time of referral and referral payout
  • Not have had a loan delinquent by 60 or more days OR a negative checking account balance for 30 or more days at time of referral payout
  • Refer members through Shine Online or Mobile Banking

Free Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
N/AN/AN/ANoneNone
1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

1st Rate Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.10%0.10%None$100,000
$25,000 - $99,999.990.10%0.10%None$25,000
$5,000 - $24,999.990.05%0.05%None$5,000
Less than $5,000n/an/aNonen/a
Rates are effective as of 01/01/2022 and are subject to change without notice.

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

1 Referral 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.

2 $50 will be deposited to the referred member’s Dupaco savings account within 3-5 business days after active checking definition met (see below). Account opening subject to qualification and approval. Existing checking accounts excluded. This offer is limited to a maximum of one Dupaco checking account per referred member, regardless of how many accounts a referred member has, and cannot be combined with other checking account offers. Checking account balance of $0 or more required at the time of cash payout. Dupaco membership required. Referred member can join if they live or work within our charter area or meet one of our other field of membership requirements. Please contact the credit union to see other ways you may qualify for a Dupaco membership. Initial savings deposit of $25 required. Other offer restrictions may apply. For the most up to date deposit rates, click here.

3 In order to receive payment for each referral, each person you refer must click on the unique referral link you share with them through Shine Online Banking, use our online application to open a new Dupaco membership and checking account and meet Dupaco’s active checking definition (see below). You must be a personal member with a primary savings account with $25 minimum balance and have an active Dupaco checking account, as defined below, at time of referral and referral payout. You must not have had a loan delinquent by 60 or more days OR a negative checking account balance for 30 or more days at time of referral payout. Referrals must be made through Shine Online or Mobile Banking. Checking account balance of $0 or more required at the time of cash payout.
4 ACTIVE PERSONAL CHECKING DEFINITION: The referred member must meet one of the following criteria during 90 days prior to the referral payout date: a.) If member had direct deposit into checking account, then 5 or more check, debit, or automated clearing house (ACH) transactions OR b.) If member did not have direct deposit into checking account, then member must have 10 check transactions, or 8 debit transactions, or 5 automated clearing house (ACH) transactions, or 3 bill pay transactions.

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