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 ownership perks. Since 2016, Dupaco members have received nearly $24.4 million in Thank Use for participating in their cooperative.

Here’s how participating members can earn in 2023:

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 $40.

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Thank Use: Borrow

Earn up to $50 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 9/30/23: 1) An insurance policy through Dupaco Insurance services, and/or 2) an account with Dupaco Financial Services. To open an insurance or financial service, must meet Insurance or Financial account eligibility qualifications.

Combined Savings Balances	Thank Use
$400-$999.99	$5
$1,000-$4,999.99	$15
$5,000-$19,999.99	$20
$20,000-$49,999.99	$30
$50,000+	$40
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 accounts² (savings, money market, IRA, term share certificate, and/or health savings) on 9/30/23. Checking account balances not included. To open a savings account, must meet savings eligibility qualifications. For the most up-to-date deposit rates, click here.

Combined Loan Interest Paid	Thank Use
$100-$499.99	$10
$500-$1,999.99	$20
$2,000-$4,999.99	$30
$5,000+	$50
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 home loan) from 1/1/23–9/30/23. To open a loan, must meet loan eligibility qualifications.

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 1/1/23–9/30/23. (Excludes ATM transactions. Transactions may take up to 3 business days to post to your account.) To open a debit or credit card, must meet card eligibility qualifications.

Eligible Actions	Thank Use
Two-Step Verification	$5
Change your Shine Password	$5
Review your Managed Devices	$5
To earn Thank Use in the Protect category, you must meet the stated Thank Use qualifications and complete at least one of the following by 9/30/23: 1) Complete your two-step verification in Shine Online or Shine Mobile by adding an email address and mobile phone number if you have not already done so. Must be able to verify phone number via text message. Must have at least one email address and one mobile phone number listed in two-step verification on 9/30/23 to receive payout. 2) Change your password a minimum of 1 time in Shine Online or Shine Mobile between 1/1/23 and 9/30/23. For Shine accounts created and passwords changed within 75 days prior to 1/1/23, and for Shine accounts created after 1/1/23, passwords do not need to be updated again to receive the payout. 3) Review your trusted devices by visiting the Manage Devices screen in Shine Online or Shine Mobile.

Years of Participation	Thank Use
3-7 years of participation	$5
All 8 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 from 2016–2023. 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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Protect your finances and earn up to $15.

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A special reward for returning Thank Use participants.

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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!

Join Dupaco

Thank Use Qualifications

THANK USE QUALIFICATIONS
You must be a personal member who meets these two criteria on 9/30/23: 1) have an active checking account1 2) have a primary savings 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 9/30/23, or 2) have a loan that’s delinquent by 60 consecutive days or more on 9/30/23, or 3) have a negative checking account balance for 30 consecutive days or more on 9/30/23. Business memberships and trust accounts with EINs, and business accounts under a personal membership don’t qualify for Thank Use.

PAYOUT
Your Thank Use 2023 earnings will be deposited into your primary savings account on 10/19/23 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
Your payout is 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 10/19/23 is required to receive your payout. Must meet product eligibility requirements to open a new product.

¹ACTIVE CHECKING DEFINITION
a) Set up direct deposit to your checking account, and have a total of five or more check, debit card or automated clearing house (ACH) debit transactions on that checking account within 90 consecutive days OR b) If you cannot directly deposit to your checking account, then have ten check transactions, or eight debit card transactions, or five ACH debit transactions or three bill pay transactions on that checking account within 90 consecutive days. Your checking account must be active on 9/30/2023.

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+	0.25%	0.25%	$25	$25,000
Share Savings	$10,000 - $24,999.99	0.20%	0.20%	$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 01/01/2023 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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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+	0.25%	0.25%	$25	$25,000
You Name It Savings	$10,000 - $24,999.99	0.20%	0.20%	$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 01/01/2023 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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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	0.25%	0.25%	$25	$100
Rates are effective as of 01/01/2023 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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Launchpad Savings Account

Account Type	Dividend Rate	Annual Percentage Yield (APY)¹	Min. Balance	Max. Balance
Launchpad Savings	0.25%	0.25%	$5	$1,000
Rates are effective as of 01/01/2023 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 Financial Services 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

Here’s how participating members can earn in 2023:

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 $40!

An active checking account enables you to earn up to $50 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:

Protect your finances and earn cash for each measure you take on your journey.

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.

Not a member yet?

Thank Use Qualifications

Checking Account Rates

Free Checking

1st Rate Checking

Savings Accounts Rates

Savings Accounts

You Name It Savings

Holiday Club Savings

Launchpad Savings Account

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