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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.

This year, 58,665 Dupaco members collected more than $3.6 million in Thank Use. And over the past four years, Dupaco members have shared more than $12.3 million in Thank Use. Thank Use you 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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