Thank Use - Dupaco

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.

Not a member yet?

Open a Dupaco Share Savings account with as little as $25 and you’ll automatically become the newest Dupaco member-owner!

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Here’s how participating members earned in 2022:

An active checking account¹ 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 $45.

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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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Services Used	Thank Use
One	$15
Both	$30
To earn Thank Use in the Plan category, you must meet the stated Thank Use qualifications and have at least one of the following on 9/30/22: 1) An insurance policy through Dupaco Insurance services, and/or 2) an account with Dupaco Financial Services.

Combined Savings Balances	Thank Use
$400-$999.99	$10
$1,000-$4,999.99	$20
$5,000-$19,999.99	$25
$20,000-$49,999.99	$35
$50,000+	$45
To earn Thank Use in the Save category, you must meet the stated Thank Use qualifications and have a balance of $400 or more in combined deposit accounts¹ (savings, money market, IRA, term share certificate, and/or health savings) on 9/30/22. Checking account balances not included. For the most up-to-date deposit rates, click here.

Combined Loan Interest Paid	Thank Use
$100-$499.99	$20
$500-$1,999.99	$30
$2,000-$4,999.99	$40
$5,000+	$60
To earn Thank Use in the Borrow category, you must meet the stated Thank Use qualifications and have paid a minimum of $100 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 1/1/22–9/30/22.

Card Used	Thank Use
Dupaco Debit MoneyCard	$0.05 per swipe
Dupaco Visa Credit Card	$0.05 per swipe
To earn Thank Use in the Pay category, you must meet the stated Thank Use qualifications and use a Dupaco MoneyCard and/or Visa for transactions. When you do, you’ll earn $0.05 for every card transaction posted to your account from 1/1/22–9/30/22. (Excludes ATM transactions. Transactions may take up to 3 business days to post to your account.)

Eligible Services	Thank Use
Enroll in ChangeUp Savings	$5
View your Bright Track Credit Report	$5
Financial Wellness Quiz	$5
To earn Thank Use in the Financial Wellness category, you must meet the stated Thank Use qualifications and complete at least one of the following by 9/30/22: 1) Enroll in Change Up Savings and remain enrolled a minimum of 30 days, 2) Open your Bright Track credit report a minimum of 1 time in Dupaco Shine online banking; 3) Complete Financial Wellness quiz in Shine.

Years of Participation	Thank Use
3-6 years of participation	$5
All 7 years of participation	$10
To earn Thank Use in the Participate category, you must meet the stated Thank Use qualifications and have been paid Thank Use a minimum of 3 times between 2016–2022. Thank Use paid on a past, closed member number does not count.

Number of Deposits	Thank Use
5+ deposits of $5 or more	$25
To earn Thank Use in the Boost category, you must meet the stated Thank Use Boost qualifications and make 5 separate savings account deposits of at least $5 between 1/1/22-9/30/22. Limit one qualifying deposit per day. Deposits are based on a single member number and cannot be combined or shared with other member numbers. For the most up-to-date deposit rates, click here.

Thank Use: Pay

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

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Take the quiz. Use the tools. Earn up to $15.

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A special reward for returning Thank Use participants.

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Thank Use Group Goal Icon

If we hit our goal, everybody earns $5 more!

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

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Thank Use Qualifications

THANK USE QUALIFICATIONS
You must be a personal member who meets these three criteria on 9/30/22: 1) be 18 or older 2) have an active checking account 3) have a primary saving account with a balance of $25 or more.

INELIGIBILITY
You’re not eligible for Thank Use if you: 1) have a loan or deposit charge-off that’s not paid back in full by 9/30/22, or 2) have a loan that’s delinquent by 60 consecutive days or more on 9/30/22, or 3) have a negative checking account balance for 30 consecutive days or more on 9/30/22. Business memberships and trust accounts with EINs, and business accounts under a personal membership don’t qualify for Thank Use.

PAYOUT
Your Thank Use 2022 earnings will be deposited into your primary savings account on 10/20/22 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
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. Membership on 10/20/22 is required to receive your dividends.

¹ACTIVE PERSONAL CHECKING DEFINITION
Your personal checking account must be active on 9/30/22. An active checking account is defined as: 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 9/30/22, 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 9/30/22.

Thank Use Boost Qualifications

THANK USE BOOST QUALIFICATIONS
You must be a personal member who meets these two criteria on 9/30/22: 1) under age 18, and 2) have a primary saving account with a balance of $25 or more.

PAYOUT
Your Thank Use 2022 earnings will be deposited into your primary savings account on 10/20/22 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
You must be a Dupaco personal member on 10/20/22 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.

SAVINGS ACCOUNT
Annual percentage yield (APY) is accurate as of the last dividend declaration date, Min $25 deposit to open. For the most up-to-date deposit rates, click here. All rates are variable and may change after account is opened. Fees could reduce account earnings.

Checking Account Rates

Free Checking

Balance	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
N/A	N/A	N/A	None	None
¹Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

1st Rate Checking

Balance	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
$100,000+	0.10%	0.10%	None	$100,000
$25,000 - $99,999.99	0.10%	0.10%	None	$25,000
$5,000 - $24,999.99	0.05%	0.05%	None	$5,000
Less than $5,000	n/a	n/a	None	n/a
Rates are effective as of 01/01/2022 and are subject to change without notice. ¹Checking 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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Savings Accounts Rates

Savings Accounts

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
Share Savings	$25,000+	0.20%	0.20%	$25	$25,000
Share Savings	$10,000 - $24,999.99	0.15%	0.15%	$25	$10,000
Share Savings	$2,500 - $9,999.99	0.15%	0.15%	$25	$2,500
Share Savings	$100 - $2,499.99	0.10%	0.10%	$25	$100
Share Savings	less than $100	n/a	n/a	$25	n/a
Rates are effective as of 10/01/2022 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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You Name It Savings

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
You Name It Savings	$25,000+	0.20%	0.20%	$25	$25,000
You Name It Savings	$10,000 - $24,999.99	0.15%	0.15%	$25	$10,000
You Name It Savings	$2,500 - $9,999.99	0.15%	0.15%	$25	$2,500
You Name It Savings	$100 - $2,499.99	0.10%	0.10%	$25	$100
You Name It Savings	less than $100	n/a	n/a	$25	n/a
Rates are effective as of 10/01/2022 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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Holiday Club Savings

Account Type	Balance Tier	Dividend Rate	Annual Percentage Yield (APY)¹	Min. to Open	Min. to Earn
Holiday Club Savings	n/a	0.20%	0.20%	$25	$100
Rates are effective as of 10/01/2022 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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Launchpad Savings Account

Account Type	Dividend Rate	Annual Percentage Yield (APY)¹	Min. Balance	Max. Balance
Launchpad Savings	0.20%	0.20%	$5	$1,000
Rates are effective as of 10/01/2022 and are subject to change without notice. ¹Launchpad Savings Rate: 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. Limitations: If there is no deposit to this account in any 90-day period, account will be closed and the funds will be deposited, less the $5, into member's share savings. Once the balance reaches $1,000 you have 90 days to move the funds into a Dupaco, Dupaco Financial Services, or First Community Trust IRA. If the funds are not moved into one of these accounts within 90 days of reaching the $1,000 balance, the account will be closed and the funds will be deposited, less the $5 fee, into member's share savings. A $5 penalty applies for each withdrawal from this account. The penalty is waived if the funds are transferred to an IRA. This is not a retirement account and there are no tax benefits on this account.

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Together, members share

Not a member yet?

Here’s how participating members earned in 2022:

Use your credit union to grow your finances and protect your possessions. When you have an active checking account — and partner Dupaco Insurance Services and/or Dupaco Financial Services — you’ll be “thanked” in return!

Together with an active checking account, your savings balances could earn you earn up to $45!

An active checking account enables you to earn up to $60 for the interest you pay on loans financed or refinanced through Dupaco. Here’s how it works:

With an active checking account, you could earn Thank Use every time you make purchases with your Dupaco debit MoneyCard and/or Dupaco Visa credit card! Here’s how:

Make your financial wellness a priority. With an active checking account, you could earn cash for each measure you take on your journey to being financially fit.

This is a special “thank you” for members who’ve repeatedly participated in Thank Use since we introduced it in 2016.

Dupaco is a true financial cooperative—and Thank Use is a true cooperative effort. The more members participate, the more everyone benefits.

Boost is a special Thank Use earning category for members under the age of 18. Members who make five individual savings deposits of $5 or more will earn a $25 “boost” to their accounts.

Thank Use Qualifications

Thank Use Boost Qualifications

Checking Account Rates

Free Checking

1st Rate Checking

Savings Accounts Rates

Savings Accounts

You Name It Savings

Holiday Club Savings

Launchpad Savings Account