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Ready for a brighter way to save (and earn)? With no monthly service fees or minimums to hold you back, it’s easier to grow your money with this online-only account. Just turn on eStatements to unlock a special 2.25% APY1 and start using smart tools to watch your balance level up.
Hint: Just turn on eStatements to earn the special rate!
Open your account digitally in minutes without a trip to the branch. Once you’re set up, you can move money in and out of your account 24/7 through Shine Online and Mobile Banking.
There’s no minimum to open, no monthly service fees and no complicated earning tiers. Plus, your money’s federally insured up to $250,000 through the National Credit Union Administration.
Simply enroll in eStatements in Shine to unlock your special rate. It earns dividends daily and compounds monthly—helping your money work even smarter for you.
Take the guesswork out of hitting your goals with personalized insights and tools in Shine. You can even organize your money into virtual buckets to track your priorities all in one place.
Give every dollar a job with virtual savings buckets for things like weekend trips or car repairs—all within the same account. Add custom nicknames, target amounts and dates to track your progress. Choose what percent goes to Core Savings—your general reserve “stash”—and what goes to each bucket based on your priorities. Best of all, your entire balance earns the same rate no matter how you split it.
Let your savings build in the background with payroll distributions, automatic transfers and smart tools. Smart Save analyzes your spending habits to move safe-to-save amounts—often $10-$50 a week—into your savings automatically. Plus, ChangeUp Savings rounds up your debit card transactions and saves the difference. You’ll even get personalized insights to help you spot new ways to save.
| Account Type | Balance Tier | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|---|
|
Bright Savings
|
$0.01 - $1,000,000
|
2.23%
|
2.25%
|
$0
|
$0.01
|
Rates are effective as of 08/13/25 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.
Dec 30, 2025
Dec 29, 2025
Dec 12, 2025
It’s a savings account you open and manage entirely online—with no branch visits needed. Everything from deposits to transfers can be handled through Shine Online or Mobile Banking! It’s perfect 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. And we pass those savings on to you with better rates and fewer fees. With Bright Savings, 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, your earnings are deposited 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, this account comes with tools to help you save even smarter:
Savings buckets help you organize your goals inside your Bright Savings account. You can personalize each virtual bucket with a nickname (like “Italy Trip”), a target amount and date, and watch your progress grow. You’ll want to:
Watch buckets in action here.
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:
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:
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! But having both can make things easier to manage your money. 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.
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Heads up! This link leads to a different website.
We only do this when it's helpful for you. But we must inform you that Dupaco isn't responsible for the site's content, products, services, policies or sponsors. Also, Dupaco's Privacy Policy does not apply to third-party sites. So, if you have concerns, please look at its privacy disclosures.