Checking accounts for everyday spending

Say hello to hassle-free money management. Our checking accounts make it easy to pay bills, access cash and more—whether you want a free account or one that earns up to 3.00% APY¹. Choose what fits how you spend.

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1st Rate Checking

Want your balance to earn a little extra? This account pays dividends on the money you keep in checking—without requiring a certain number of debit transactions.

There’s no minimum to open. And avoid a $10 monthly fee by keeping a monthly balance of $5,000+.
Earn up to 3.00% APY¹ on balances between $5,000 and $24,999.99.
Enjoy up to 125 free check deposits or transactions each month; then it’s $0.20 per item after that.

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Free Checking

This account keeps things simple. No monthly fees, no minimum balance and no hoops to jump through—just a straightforward place to manage your everyday spending.

There’s no minimum to open and no monthly service charges.
There’s no minimum balance required to keep your account open.
Enjoy unlimited check writing and deposits.

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Digital Banking

Managing your account should fit into your life—not the other way around. Stay connected to your money wherever you are with smart tools in Shine Online and Mobile Banking.

Keep an eye on your spending with custom alerts and personalized insights.
Deposit checks on the go from your phone using mobile deposit in Shine.
Pay bills, transfer money and manage your account—all from one secure place.

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Everyday Essentials

Enjoy a free debit card, convenient ATM access and federally insured deposits. And if you’re switching from another checking account, you can get help moving your recurring payments.

Your free MoneyCard/Debit MasterCard makes spending fast and easy.
Make unlimited fee-free withdrawals at Dupaco ATMs, plus up to eight fee-free transactions per month at Privileged Status and CO-OP ATMs.
Your deposits are federally insured up to $250,000 by the National Credit Union Administration.

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CHANGEUP SAVINGS

Save Every Time You Spend

Sometimes, the small stuff really does add up. With ChangeUp Savings, every debit purchase is rounded up to the next dollar, and the extra change is automatically moved into your savings account. It’s an easy, automatic way to save a little without thinking about it. You can turn it on or off anytime in Shine Online or Mobile Banking. Just log in, choose your checking account and click Actions to Activate ChangeUp Savings.

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OVERDRAFT SERVICES

Mistakes happen. We’ve got your back.

Ever have a day when money doesn’t stretch as far as you hoped? If your Dupaco checking account falls short, our overdraft services can help keep payments moving. Overdraft Protection automatically transfers funds from a linked Dupaco savings, checking or money market account at no extra cost. If there’s not enough available, Overdraft Privilege can temporarily cover eligible transactions, though fees^* may apply. To enroll or adjust your coverage, call 800-373-7600, email service@dupaco.com or send us a message in Shine Online or Mobile Banking. Have questions? You’ll find answers below.

Open my checking account

Checking Account Rates

Free Checking

Balance	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
N/A	N/A	N/A	None	N/A

¹Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

Open my Free Checking

1st Rate Checking

Balance	Dividend Rate	Annual Percentage Yield (APY)¹	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	2.96%	3.00%	None	$5,000
$0.00 - $4,999.99	0.00%	0.00%	None	$0.00

Rates are effective as of 07/01/2025 and are subject to change without notice.

¹APY= Annual Percentage Yield. Rates are variable and may change after opening the account. APY is accurate as of the last dividend declaration date. Fees could reduce account earnings.

Fees could reduce account earnings.

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Auto Loan Rates

Auto & Motorcycle Loans

Loan Program	Term	Annual Percentage Rate (As Low As) ¹
2023-26 Model Year	60 Months	5.34% APR
2023-26 Model Year	72 Months	5.44% APR
2023-26 Model Year	84 Months	5.54% APR
2021-22 Model Year	60 Months	5.59% APR
2021-22 Model Year	72 Months	5.74% APR
2021-22 Model Year	84 Months	5.99% APR
2017-20 Model Year	60 Months	6.29% APR
2017-20 Model Year	72 Months	6.44% APR
2016 Model Year (and older)	48 Months	8.54% APR

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 5.54% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $573.55. Over the life of the loan, you will pay $4412.42 in interest.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Credit Card Rates

Platinum Visa

Platinum Credit Card	Annual Percentage Rate (APR)
Platinum Visa Rate	12.50% - 19.50% APR¹
Introductory Balance Transfer Rate	2.90% APR for 6 mos. (after that your rate will be 12.50% - 19.50% APR)²

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Rewards Visa

Rewards Credit Card	Annual Percentage Rate (APR)
Rewards Visa	15.50% - 21.00% APR

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Home Loan Rates

Home Loans

Term	Rate	Points	APR	*Payment Example
Purchase: 30-Year Fixed Conventional $832750 or less	5.875%	0.00%	5.912%	$4926.03
Purchase: 30-Year Fixed Conventional $300000 or less	5.875%	0.00%	5.935%	$1774.61
Purchase: 30-Year Fixed Conventional $200000 or less	5.750%	0.00%	5.828%	$1167.29
Purchase: 30-Year Fixed Conventional $100000 or less	5.625%	0.00%	5.758%	$ 575.73
Purchase: 20-Year Fixed Conventional	5.625%	0.00%	5.754%	$1042.45
Purchase: 15-Year Fixed Conventional	5.375%	0.00%	5.498%	$1215.70

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Home Refinance Rates

Home Loan Refinance

Term	Rate	Points	APR	*Payment Example
Refinance: 30-Year Fixed Conventional $832750 or less	5.875%	0.00%	5.923%	$4926.03
Refinance: 30-Year Fixed Conventional $300000 or less	5.875%	0.00%	5.947%	$1774.61
Refinance: 30-Year Fixed Conventional $200000 or less	5.750%	0.00%	5.840%	$1167.29
Refinance: 30-Year Fixed Conventional $100000 or less	5.625%	0.00%	5.770%	$ 575.73
Refinance: 20-Year Fixed Conventional	5.625%	0.00%	5.770%	$1042.45
Refinance: 15-Year Fixed Conventional	5.375%	0.00%	5.498%	$1215.70

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Loan Program	Annual Percentage Rate (As Low As)²
Home Equity Line of Credit (HELOC)	6.25% APR²

Term	Annual Percentage Rate (As Low As) ¹
5 Years	6.74%
10 Years	7.24%

Loan Amount	Term	Annual Percentage Rate (As Low As)¹
$10,000 - $20,000	120 Months	8.50%
$20,001 - $50,000	180 Months	8.75%

Term	Annual Percentage Rate (As Low As) ¹
24 Months	9.99%
36 Months	10.49%
48 Months	10.99%
60 Months	12.49%

Recreational Loan Rates

Boat & RV Loans

Loan Amount	Term	Annual Percentage Rate (As Low As) ¹
$10,000-24,999	36 Months	7.29
$10,000-24,999	48 Months	7.59
$10,000-24,999	60 Months	7.89
$25,000-39,999	60 Months	7.09
$25,000-39,999	72 Months	7.34
$25,000-39,999	84 Months	7.59
$25,000-39,999	96 Months	8.59
$25,000-39,999	120 Months	9.59
$40,000+	60 Months	7.09
$40,000+	72 Months	7.09
$40,000+	84 Months	7.34
$40,000+	96 Months	8.34
$40,000+	120 Months	9.34
$40,000+	180 Months	10.04

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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ATV, Snowmobile & Jet Ski Loans

Loan Program	Term	Annual Percentage Rate (As Low As) ¹
Model Year 2026-23	36 Months	8.34% APR
Model Year 2026-23	48 Months	8.34% APR
Model Year 2026-23	60 Months	8.34% APR
Model Year 2022-20	36 Months	8.54% APR
Model Year 2022-20	48 Months	8.54% APR
Model Year 2022-20	60 Months	8.54% APR
Model Year 2019-18	36 Months	8.89% APR
Model Year 2019-18	48 Months	8.89% APR
Model Year 2019-18	60 Months	8.94% APR

Rates are effective as of 10/22/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change.

¹Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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Student Loan Rates

Checking accounts for everyday spending

1st Rate Checking

Free Checking

Digital Banking

Everyday Essentials

1st Rate Checking

Free Checking

Digital Banking

Everyday Essentials

CHANGEUP SAVINGS

Save Every Time You Spend

OVERDRAFT SERVICES

Mistakes happen. We’ve got your back.

Rates

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