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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 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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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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Thank Use: Participate

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!

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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.

Free Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
N/AN/AN/ANoneNone
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

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.10%0.10%None$100,000
$25,000 - $99,999.990.10%0.10%None$25,000
$5,000 - $24,999.990.05%0.05%None$5,000
Less than $5,000n/an/aNonen/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

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Share Savings$25,000+0.25%0.25%$25$25,000
Share Savings$10,000 - $24,999.990.20%0.20%$25$10,000
Share Savings$2,500 - $9,999.990.15%0.15%$25$2,500
Share Savings$100 - $2,499.990.10%0.10% $25$100
Share Savingsless than $100n/an/a$25n/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 TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
You Name It Savings$25,000+0.25%0.25%$25$25,000
You Name It Savings$10,000 - $24,999.990.20%0.20%$25$10,000
You Name It Savings$2,500 - $9,999.990.15%0.15%$25$2,500
You Name It Savings$100 - $2,499.990.10%0.10%$25$100
You Name It Savingsless than $100n/an/a$25n/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 TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Holiday Club Savingsn/a0.25%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 TypeDividend RateAnnual Percentage Yield (APY)1Min. BalanceMax. Balance
Launchpad Savings0.25%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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