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.

Get Started
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 refer2

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 their required steps.
 

To be an eligible referrer, you must:

  • Be a personal member with a primary savings account ($25 minimum balance).

  • Have an active Dupaco checking account at the time of referral and payout.

  • Your accounts must 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). 

Refer-a-Friend

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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The Fine Print


2You may be entitled to receive Dupaco’s Refer-a-Friend offer. To receive this offer, you must: (i) be referred by a current Dupaco member using the official Refer a Friend email link; (ii) open your Dupaco membership and a Dupaco Share Draft Checking account within 14 days of your receipt of the Refer a Friend email link; and (iii) take appropriate steps to make it an “Active Checking” account as defined below. Qualified referred members will receive a $50 deposit into their Dupaco Savings Asset Builder within 5 business days after meeting the Active Checking criteria. Dupaco membership is required to receive this offer.  Please refer to the Dupaco Consumer Account and Membership Terms and Conditions for additional membership details.

Account openings are subject to qualification and approval. Members may be issued a 1099‑INT for the reward and are responsible for any applicable taxes.

Eligibility Restrictions:

  • Members are ineligible if opening a Dupaco Savings Asset Builder within 730 days of closing a previous Dupaco Savings Asset Builder for which they were an owner.
  • An owner with an existing Dupaco Savings Asset Builder is excluded.
  • Individuals with a charged off Dupaco deposit or loan account are ineligible unless the charge off was paid in full.
  • Members delinquent on any loan for 60 consecutive days or more at account opening or payout are ineligible for this offer.
  • Qualifying accounts must not have a negative balance at the time of payout.
  • Dupaco employees are ineligible for this offer.
  • Business, fiduciary, minor, estate, and trust accounts are ineligible for this offer.