Immediate Rewards, Future Growth—Why Not Both?
Go ahead! Earn extra cash now, grow your savings over time—or enjoy both! Plus, get personalized guidance and easy-to-use tools that help make managing your money simpler.
Checking Account
Best for everyday spending. Choose a free checking account or one that earns a competitive rate, then complete a few simple activities to earn $3001.
Money Market Account
Best for growing your savings steadily in the background. Earn 3.25% APY2 on balances of $25,000 or more with a new Achieve Money Market Account.
Bundle It!
Ready to Earn Your $3001?
Open a new Dupaco checking account, make qualifying deposits and start using it. Choose a free checking account or one that earns a competitive rate just for keeping a balance.
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Open it: Open the checking account that fits you best, then use promo code CHECK300 online or mention the offer in branch or by phone.
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Add money: Make qualifying deposits totaling at least $500 within 90 days of account opening. Cash, checks, ACH transfers and wires count—internal transfers don’t.
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Use it: Set up direct deposit and use your account regularly, or complete qualifying debit, ACH, check or bill pay activity within 90 days.
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Get paid: Complete the steps, and your cash bonus will land in your account within 5 business days. Just keep your account open through payout.
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Checking Account Rates
1st Rate Checking
Balance Dividend Rate Annual Percentage Yield (APY)3 Min. to Open Min. to Earn $100,000+ 0.10% 0.10% None $100,000 $25,000 - $99,999.99 0.10% 0.10% None $25,000 $5,000 - $24,999.99 2.47% 2.50% None $5,000 $0.01 - $4,999.99 0.00% 0.00% None $0.01 Rates are effective as of 06/02/2026 and are subject to change without notice.
3APY = Annual Percentage Yield. The rate is variable and may change after opening the account. APY is accurate as of the last dividend declaration date.Fees could reduce account earnings.
Free CheckingNo hassles or unexpected charges, and no hoops to jump through. Dupaco’s Free Checking is as straightforward as it gets.
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No minimum to open
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No monthly service charges
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No minimum monthly balance requirement
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Unlimited check writing and deposits
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Free Online & Mobile Banking services
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Free Dupaco MoneyCard debit MasterCard with EMV chip technology
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Achieve Money Market Account Rates
Achieve Money Market Account
Balance Tier Dividend Rate Annual Percentage Yield (APY)2 Min. to Open Min. to Earn $250,000-$1,000,000 3.20% 3.25% $25,000 $250,000 $100,000-$249,999.99 3.20% 3.25% $25,000 $100,000 $25,000-$99,999.99 3.20% 3.25% $25,000 $25,000 $0.01-$24,999.99 0.00% 0.00% $25,000 $25,000 Rates are effective as of 10/01/2025 and are subject to change without notice.
Business accounts are excluded, and public funds are not accepted in the Achieve Money Market account. This account is limited to a maximum of one Achieve Money Market account per member. Maximum deposits may apply. Fees could reduce earnings. Rates, terms, and conditions are subject to change at any time.
2APY = Annual Percentage Yield. The rate is variable and may change after opening the account. APY is accurate as of the last dividend declaration date.
2A minimum of $25,000 of new money is required to open an Achieve Money Market account. “New money” is defined as money not currently on deposit at Dupaco Community Credit Union within the last 180 days.
As a not-for-profit financial cooperative, we put people (that’s you!) before profits. Since 1948, we’ve been on a mission to help you build a life worth loving, creating brighter community for all.
Let's talk
Have questions? Want the bundle?
We can help with that. Drop us your info below and we’ll be in touch within 1 business day. Or, give us a call at 800-373-7600, ext. 206, or stop by your nearest branch.
The Fine Print
1You may be entitled to receive Dupaco’s $300 New Checking offer. To receive this offer, you must: (i): open a Dupaco Share Draft Checking account using a designated code online or by mentioning this offer to a Dupaco representative in person or over the phone; (ii) deposit at least $500 of funds qualifying as “Acceptable Deposits,” as defined below; and (iii) take the appropriate steps to qualify the account as an “Active Checking” account within 90 days of opening the account. Dupaco will deposit the $300 into your Dupaco Share Draft Checking account within 5 business days of you completing all offer requirements. Dupaco membership is required to receive this offer. Please refer to the Consumer Account and Membership Terms and Conditions for additional 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:
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Members are ineligible if opening a Dupaco Share Draft Checking account within 730 days of closing a Dupaco Share Draft Checking account for which they were an owner.
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An owner of an existing Dupaco Share Draft Checking account is ineligible for this offer.
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Individuals with a charged‑off Dupaco deposit or loan account are ineligible for this offer unless the charge‑off was paid in full.
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Members delinquent on any loan for 60 consecutive days or more at account opening or payout are ineligible for this offer.
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Qualifying accounts must not have a negative balance at the time of payout.
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Business, fiduciary, minor, estate, and trust checking accounts are ineligible for this offer.
“Acceptable Deposits” Definition:
Methods of deposits that are considered Acceptable Deposits for this offer include cash, checks, ACH (Automated Clearing House), credit/debit card advances, and wire transfers. Account transfers between Dupaco accounts are excluded from the methods of Acceptable Deposits.
“Active Checking” Definition:
Within 90 days of account opening, either: 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, 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.
Other restrictions may apply. This offer is available for a limited time, and Dupaco reserves the right to alter or terminate it at any time prior to acceptance.