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With Thank Use, there’s always something to be thankful for. Thank Use is a Dupaco-only perk that thanks members — in cash — for saving, borrowing, and planning for their financial futures. Since 2016, Dupaco members have received more than $16.8 million in Thank Use for participating in their cooperative.

Nearly $4.5 Million
Nearly $4.5 million

Total Thank Use paid to participating members in 2020

More Than 63,000
More than 63,000

Total members thanked

$71
$71

Average Thank Use Payout

31,610
31,610

Number of members who participated all five years

Now that’s a big reason to be thankful.

Join the financial cooperative where you’re not just a member—you’re an owner. So you share in your credit union’s success.

Join to start earning

Here’s how participating members earned in 2020:

An active checking account indicates your commitment and was the key to unlocking all of your Thank Use.

Thank Use: Save

Build up your savings and earn up to $100.

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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 $40.

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Thank Use: Pay

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

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Thank Use: Protect

Take the quiz. Use the tools. Earn up to $20.

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Thank Use: Participate

A special reward for returning Thank Use participants.

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Thank Use: Accumulate

Start a new savings plan and earn up to $15.

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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 9/30/20, with an active personal checking account and a primary savings account with a minimum balance of $25 or more on 9/30/20.

INELIGIBILITY: The following are not eligible: personal members with a loan or deposit charge-off in 2020, those with a loan delinquent by 60 consecutive days or more on 9/30/20, or those with a negative checking account balance for 30 consecutive days or more on 9/30/20; 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 10/15/20 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, Dupaco membership on 10/15/20 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. Each co-opportunity is payable once.

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 9/30/20. 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 9/30/20.

THANK USE BOOST QUALIFICATIONS: Personal member, under age 18 as of 9/30/20, with a primary savings account with a minimum balance of $25 or more on 9/30/20.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/15/20 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, membership on 10/15/20 is required. Deposits are based on a single member number and cannot be combined or shared with other member numbers.

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