Bright Savings Online-Only Savings Account
Give your savings a glow up—with 2.25% APY1
Open your online account in minutes, with no minimum balance requirements, no monthly service fees and no complicated earning tiers. Just smart tools and a brighter way to save (and earn).
Hint: Just turn on eStatements to earn the special rate!
Rates
Earn on your Bright Savings when you enroll in eStatements
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
| Bright Savings | n/a | 2.23% | 2.25% | $0 | $0.01 |
| Rates are effective as of 8/13/25 and are subject to change without notice. 1APY = Annual Percentage Yield. The rate is variable and may change after opening the account. APY is accurate as of the last dividend declaration date. To earn dividends, make sure you're signed up for eStatements. If you are not enrolled in eStatements by the end of the month, you will not receive any dividends. This account is available exclusively to consumer members. Business, fiduciary, minor, estate, and trust accounts are not eligible. This account must be opened online through Dupaco's Online Application and is limited to one account per Social Security Number (SSN). The Bright Savings Account will be limited to One Million dollars ($1,000,000.00), inclusive of all principal and dividend accruals. Fees could reduce earnings. Rates, terms, and conditions are subject to change at any time. |
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Savings calculators
Crunch the numbers
Try our free calculators to see how much you might want to save—and how much your money could grow over time with the power of compound interest.
FAQs
Have questions? We have answers.
Our team of experts has answers to some of your most commonly asked questions. But if you’d rather talk to a human, you can give us a call at 800-373-7600. We can’t wait to talk!
It’s a savings account you open and can manage entirely online—with no branch visits needed. Everything from deposits to transfers can be handled through Shine Online or Mobile Banking, whenever and wherever it works for you! It’s a perfect fit if you do most of your banking on your phone or computer.
By keeping this account digital-only, it keeps things simple on our end. We pass those savings on to you in the form of better rates and fewer fees—helping you save even faster and smarter.
With our Bright Savings account, there’s no minimum balance to open, no monthly service fees and no complicated requirements. It’s savings, made simple—just the way it should be.
Your money earns dividends (that’s our version of interest) every day. At the end of each month, we add up your earnings and deposit them into your Bright Savings account. And thanks to compounding, you earn dividends on those dividends—helping your savings grow even more over time.
Want to see how it works in action? Try our free compound interest calculator to estimate your savings over time.
You can only earn the special Bright Savings rate by enrolling in eStatements. Plus, we’ll keep an eye on your Dupaco accounts and offer personalized savings insights to help you find new ways to save more!
It’s quick and easy to do online—just click here to get started. The whole process takes just a few minutes. You don’t need to make a minimum deposit to open your account, but you will need to qualify for a Dupaco membership if you’re not already a member.
This online-only account is built for digital life—no branch visits, no paper statements. That keeps things simple on our end, so we can offer you a better rate. Just make sure you’re enrolled in eStatements to earn the special Bright Savings rate!
You have lots of options! You can:
- Transfer funds from your other Dupaco accounts using Shine Online or Mobile Banking.
- Schedule automatic transfers to your Bright Savings account using Shine.
- Link an external bank account through Shine and transfer funds from that account.
- Set up direct deposit so part of every paycheck goes straight into your account. (You’ll need to work with your employer to get started.)
- Deposit checks into your account with mobile deposit in Shine.
Just keep in mind there’s a maximum account balance of $1 million.
You also have lots of options to access your money from this online-only savings account. You can:
- Transfer funds to one of your other Dupaco accounts using Shine Online or Mobile Banking.
- Transfer funds to someone else’s Dupaco account using Shine.
- Schedule automatic transfers from your Bright Savings account using Shine.
- Pay Dupaco loans from your Bright Savings account.
- Transfer funds to your Dupaco checking account and use your MoneyCard debit card to take out cash from a nearby ATM.
Don’t have a Dupaco checking account yet? Learn how to open one here.
All deposits are federally insured up to $250,000 by the National Credit Union Administration.
Nope! You don’t need a checking account to open a Bright Savings account. But having both can make things easier to manage your money—like setting up automatic transfers from checking to savings or quickly moving money between accounts when you need it. Plus, with a checking account, you’ll have easy access to your cash through a debit card, ATMs or check writing.
If you’re looking to earn a little extra, 1st Rate Checking pays dividends when you keep a higher balance. Want to keep it simple? Check out our no-fuss Free Checking.
No, because these are two different accounts. But you’re welcome to also open a Bright Savings account! Once it’s open, you can decide whether to keep both accounts or close one. If you need help closing one, give us a call at 800-373-7600.
