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.

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. To sweeten the deal, we’ll give your referrals the chance to earn $502, too!

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 these three steps:

  • Click: They use your unique referral link in their invitation email3.

  • Join: They open a new checking account with our online application3.

  • Activate: They successfully meet our active checking definition4. 

To be an eligible referrer, you must: Be a personal member with a primary savings account ($25 minimum balance) and have an active Dupaco checking account4 at the time of referral and payout. Your accounts must also 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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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. Please click the individual account sections above for the most up-to-date deposit rates.

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 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.