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At a cooperative like Dupaco, you’re not just a member, you’re an owner. Active participation powers the credit union — you share in the success. The more you use Dupaco, the more you’re thanked with extra cash dividends.

The results of this year’s Thank Use campaign and individual member shares are now being calculated. Thank Use you may have earned from January 1-September 30, 2019, will be credited to your share savings account on October 17, 2019 – International Credit Union Day.

Here’s how members earned this year:

Thank Use: Save

Build up your savings and earn up to $60.

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Thank Use: Borrow

Earn up to $60 for interest paid on your loans.

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Thank Use: Plan

Use our financial & insurance services, get up to $25.

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Thank Use: Pay

Earn 5 cents every time you pay with your Dupaco card.

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Thank Use: Access

Opt into Dupaco digital services and get up to $15.

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Thank Use: Participate

A special reward for returning Thank Use participants.

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Thank Use: Boost

A chance for members under the age of 18 to earn.

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THANK USE QUALIFICATIONS: Personal member, age 18 or older as of 9/30/19, with an active personal checking account and a primary savings account with a minimum balance of $25 or more on 9/30/19.

INELIGIBILITY: The following are not eligible: personal members with a loan or deposit charge-off in 2019, those with a loan delinquent by 60 consecutive days or more on 9/30/19, or those with a negative checking account balance for 30 consecutive days or more on 9/30/19; business members and trust accounts with an EIN; business accounts under personal memberships.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/17/19 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, Dupaco membership on 10/17/19 is required. Account relationships, deposit balances, loan interest paid, and Thank Use longevity are based on a single member number and cannot be combined or shared with other member numbers.

ACTIVE PERSONAL CHECKING DEFINITION: To be considered an active personal checking, an account must meet one of the following qualifying criteria: 1.) Direct deposit into the checking account, then have a total of 5 or more check, debit, or automated clearing house (ACH) transactions on that checking account within 90 consecutive days ending on 9/30/19. OR 2.) Have 10 check, or 8 debit, or 5 automated clearing house (ACH), or 3 bill pay transactions from the checking account within 90 consecutive days ending on 9/30/19.

THANK USE BOOST QUALIFICATIONS: Personal member, under age 18 as of 9/30/19, with a primary savings account with a minimum balance of $25 or more on 9/30/19. Limit one qualifying deposit per day; deposits of $5 or less will not count towards Boost.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/17/19 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, membership on 10/17/19 is required. Deposits are based on a single member number and cannot be combined or shared with other member numbers.

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