Save Your Money, Your Way

It depends on your stash. If you typically keep a higher balance (at least $2,500), a money market could offer a higher dividend rate to help your money grow faster. If you’re just starting out, a traditional savings account might be your best bet. Curious just how much you could earn? Try our free Compound Interest Calculator to crunch the numbers!

Think of it as certainty vs. access. If you have a lump sum you don’t need for a few months or years, a term-share certificate locks in a higher, guaranteed rate. If you want a higher rate but need to move money occasionally, a money market gives you that flexibility without the lock-in period. You might find that a combination of both works best for you!

Very! While you can’t write checks from a Dupaco money market account, you can transfer funds instantly in Shine Online or Mobile Banking or visit us in person. There’s a minimum withdrawal of $250. But there are no penalties for withdrawals made in-branch. Plus, you can transfer money online between accounts without penalty.

Your deposits are federally insured for at least $250,000 by the National Credit Union Administration. Curious how your Dupaco accounts are insured? You can find out by calling us at 800-373-7600, ext. 206.

Yes! You can designate one additional authorized user, like a spouse or caregiver, who will get their own HSA MoneyCard to pay for medical expenses out of your HSA. Just remember, as the account owner, it’s your responsibility to make sure those withdrawals are for IRS-qualified medical expenses.

You can set up direct deposit or payroll deductions to save automatically (and often pre-tax!). You can also move money at any branch or via mail deposit. Because the IRS requires a signed form for HSA contributions, these deposits can’t be made through Shine. Please contact us regarding annual HSA contribution limits.