Pro Tip: Pay Yourself First
When saving for goals, it can be hard to remember to set money–especially when there are so many more immediate things to spend it on. That’s where we come in! Dupaco can help you make saving automatic with a few simple tools. That way, you can pay yourself first without even having to think about it.
- Send a portion of your paycheck directly to your savings accounts with Direct Deposit.
- Set up automatic transfers between your checking account and savings accounts.
- Find more room in your budget for saving with a free Money Makeover.
Want to enjoy the holidays without a lot of debt? Planning to take a vacation? Getting ready to make a big purchase like a car or house? If you have a special goal, Dupaco can help you reach it! We offer customizable savings accounts and helpful tools specially designed to help you be successful when saving for goals.
Tools for Reaching Your Savings Goals
Step one: Open a Dupaco Share Savings account. Once you have one, you’ll have immediate access to special features designed to help you meet whatever savings goals you’d like to achieve:
Savings Goal
Savings Goal is a special feature of Shine Online & Mobile Banking. It puts you on a savings track toward whatever goal you have in mind. Just enter your target amount and date. Then Savings Goal will calculate your customized plan for reaching it.
- $5 minimum opening deposit (per goal)
- Create as many Savings Goals as you want
- Custom account for each goal
- Add or withdraw funds at any time
- Earns the same dividends as your primary Share Savings account
You-Name-It Savings Accounts
Easily create separate savings accounts for anything — expenses, projects, purchases…you name it! Open as many You-Name-It Savings accounts as you’d like. You can even do it yourself by clicking on the 
in Shine Online or Mobile banking.
- $25 minimum opening deposit (per account)
- Give each account a custom name
- Open as many You Name It accounts as you want
- Add or withdraw funds at any time
- Earns the same dividends as your primary Share Savings account
Current Rates
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| You Name It Savings | $25,000+ | 0.30% | 0.30% | $25 | $25,000 |
| You Name It Savings | $10,000 - $24,999.99 | 0.25% | 0.25% | $25 | $10,000 |
| You Name It Savings | $2,500 - $9,999.99 | 0.20% | 0.20% | $25 | $2,500 |
| You Name It Savings | $100 - $2,499.99 | 0.15% | 0.15% | $25 | $100 |
| You Name It Savings | less than $100 | n/a | n/a | $25 | n/a |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Savings 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. |
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Save for the Holidays
Be merrier next holiday season with a Holiday Club Account! Instead of relying on credit cards for your holiday gift or travel purchases, start saving now. Receiving your funds in time for holiday spending is a gift you can give yourself.
- $25 minimum opening deposit
- Earn dividends on balances over $100
- Add funds at any time
- Balance automatically transfers to your checking account Oct. 31
- Early withdrawal penalty results in account closure
Current Rates
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| Holiday Club Savings | n/a | 0.30% | 0.30% | $25 | $100 |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Savings 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. |
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Open Your Account
Not a member yet?
Use our simple online application to join Dupaco and open your account.
Already a member?
Great! You can easily add new accounts to your existing membership in Shine.
For assistance, visit any of our convenient locations or give us a call at 800-373-7600.
Calculators & Resources
- Savings Dividends
Estimate how much money you’ll have in your savings account in the future. - Save toward a goal
Determine what you’ll need to save each month to reach your next big purchase. - Savings Budget
Find out how much you can put away based on your monthly income and spending. - Certificate/CD Calculator
See what a term-share certificate/CD investment could be worth.
