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Together, members share

At a cooperative like Dupaco, you’re not just a member—you’re an owner. Active participation not only powers the credit union but promotes financial well-being through education, better rates, fewer fees, and Thank Use participation dividends. Since 2016, Dupaco members have received more than $20.5 million in Thank Use for participating in their cooperative.

Thank Use 2021 is calculated!

This year, nearly 64,000 members boosted their financial well-being and shared more than $3.7 million in Thank Use. Log in to Shine to see how you’ve earned!

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Enter to win!

How will Dupaco’s Thank Use payout impact you or your community? Let us know, and you could win a Dupaco goodie box! (Hint: You’ll want to enter — It includes a Yeti!)

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Here’s how participating members earned in 2021:

An active checking account indicates your commitment and is the key to unlocking all of your Thank Use.

Thank Use: Save

Build up your savings and earn up to $60.

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Thank Use: Borrow

Earn up to $60 for interest paid on your loans.

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Thank Use: Plan

Use our financial & insurance services, get up to $30.

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Thank Use: Pay

Earn 5 cents every time you pay with your Dupaco card.

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Thank Use: Protect

Take the quiz. Use the tools. Earn up to $20.

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Thank Use: Participate

A special reward for returning Thank Use participants.

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Thank Use: Boost

A chance for members under the age of 18 to earn.

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THANK USE QUALIFICATIONS
You must be a Personal member who meets these three criteria before or on 9/30/21: 1) be 18 or older 2) have an active checking account 3) have a primary saving account with a minimum balance of $25 or more.

INELIGIBILITY
You’re not eligible for Thank Use if you: 1) have a loan or deposit charge-off in 2021 that’s not paid back in full by 9/30/21, or 2) have a loan that’s delinquent by 60 consecutive days or more on 9/30/21, or 3) have a negative checking account balance for 30 consecutive days or more on 9/30/21. Business memberships and trust accounts with EINs, and business accounts under a personal membership don’t qualify for Thank Use.

PAYOUT
Your Thank Use 2021 earnings will be deposited into your primary savings account on 10/21/21 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
You must be a Dupaco personal member before or on 10/21/21 to earn and receive Thank Use. Your participation dividends are based on your individual member number. They can’t be combined or shared with other member numbers. Each earning category is payable once under a member number.

ACTIVE PERSONAL CHECKING DEFINITION
Your personal checking account will be considered active when you: 1.) Set up direct deposit and use the account to make 5 or more check, debit, or automated clearing house (ACH) transactions within 90 consecutive days ending on 9/30/21. Or 2) Use the account to make 10 check, or 8 debit, or 5 automated clearing house (ACH), or 3 bill pay transactions within 90 consecutive days ending on 9/30/21.

THANK USE BOOST QUALIFICATIONS
You must be a personal member who meets these two criteria before or on 9/30/21: 1) under age 18, and 2) have a primary saving account with a balance of $25 or more.

PAYOUT
Your Thank Use 2021 earnings will be deposited into your primary savings account on 10/21/21 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
You must be a Dupaco personal member before or on 10/21/21 to earn and receive Thank Use. Your participation dividends are based on your individual member number. They can’t be combined or shared with other member numbers.

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