Your membership pays.

At a cooperative like Dupaco, you're not just a member, you're an owner. Active participation powers the credit union — you share in the success. The more you use the Dupaco, the more you're thanked with extra cash dividends. An active checking account indicates your commitment and is the key to unlocking all of your Thank Use.

In the last two years, participating members received individual shares of more than $6 million in Thank Use.

Here’s how you can earn:


Together with an active checking account, your savings balances could earn you earn up to $75! Qualifying deposits include savings, money market, IRA, term share certificate and health savings accounts. Here’s the breakdown:

Combined Savings Balances on 9/30/18
Amount Thank Use
$1,000—$4,999.99 $20
$5,000—$19,999.99 $30
$20,000—$49,999.99 $50
$50,000+ $75

Get Started

Open Savings Account Setup Systematic Savings

To be eligible for Thank Use on savings balances, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and have a balance of $1,000.00 or more in combined deposit accounts (savings, money market, IRA, term share certificate, and/or health savings) on 09/30/18. Checking account balances not included.


An active checking account enables you to earn up to $150 for the interest you pay on auto, recreational vehicle, personal, home equity and mortgage loans financed (or refinanced) through Dupaco. Here's how it works:

Combined Loan Interest Paid from 01/01/18 – 9/30/18
Interest Amount Thank Use
$500—$2,499.99 or $20
$2,500—$4,999.99 or $50
$5,000—$9,999.99 or $75
$10,000+ $150
Explore Loans & Rates

To be eligible for Thank Use on loan interest paid, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and have paid a minimum of $500 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 01/01/18 - 09/30/18.


With an active checking account, you can earn Thank Use every time you make purchases using your Dupaco debit MoneyCard and/or your Dupaco VISA credit card! Here's how:

Pay With Thank Use
Dupaco debit MoneyCard $0.05 per transaction
Dupaco VISA credit card $0.05 per transaction

Get Started

Open Checking Account Get Dupaco VISA

To be eligible for the pay co-opportunity on debit and VISA card transactions, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and use a Dupaco MoneyCard and/or VISA for transactions. Receive $0.05 for every transaction posted to your account from 1/01/18 – 9/30/18 (excludes ATM transactions). (Transactions may take up to 3 business days to post to your account.)


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!

Services Used Thank Use
Dupaco Insurance Services or Dupaco Financial Services $10
Dupaco Insurance Services and Dupaco Financial Services $25

Get Started

Free Insurance Quote Free Financial Review

To be eligible for the plan co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements and have a minimum of one the following on 9/30/2018: an existing policy holder with Dupaco Insurance Services or an existing account holder with Dupaco Financial Services.

View Additional Details

About Dupaco Insurance Services

Dupaco Insurance Services is only licensed in the states of Iowa, Illinois, Wisconsin, Minnesota, and Arizona.

Dupaco Insurance Services is a division of Dupaco Financial Services, Inc., a wholly-owned subsidiary of Dupaco Community Credit Union. The purchase of insurance is not required in conjunction with the granting of any particular credit union service and the products offered are not endorsed or insured by Dupaco Community Credit Union. Mutual funds, annuities, and other investments: are not deposits; are not insured by the NCUA or any other regulatory agency; are not obligations of, or guaranteed by Dupaco Community Credit Union or any other affiliated entity; are subject to investment risks, including possible loss of the principal amount invested.

About Dupaco Financial Services

Securities and Advisory services offered through LPL Financial, a Registered Investments Advisor. Member FINRA/SIPC Insurance products offered through LPL Financial or its licensed affiliates. Dupaco Community Credit Union and Dupaco Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.

The investments products sold through LPL Financial are not insured Dupaco Community Credit Union deposits are not NCUA insured. These products are not obligations of Dupaco Community Credit Union and are not endorsed, recommended or guaranteed by Dupaco Community Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Not NCUA Insured – Not Credit Union Guaranteed – May Lose Value

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Iowa, Wisconsin and Illinois.


An active checking account is your gateway to Dupaco’s convenient digital services — and up to $15 in Thank Use! Eligible services include: eDelivery, Bright Track, Shine Online & Mobile banking, Picture Pay, mobile deposit, direct deposit and video teller machines.

Number of services used by 9/30/18
Services Thank Use
3-4 services $5
5+ services $15

For assistance activating or locating the services mentioned above, contact us at 800-373-7600, ext. 206.

Get Started in Shine

To be eligible for the access co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements and do 3 or more of the following: between 01/01/18 – 09/30/18, use a video teller machine, use picture pay, use mobile deposit, or have a direct deposit item post; between 07/01/18 – 09/30/18 log into Shine online banking at least once; on 09/30/18 be enrolled in Bright Track or be set-up for eDelivery (required eNotices enrollment, AND opted out of mailed monthly member statements, AND opted out of mailed monthly VISA statements, if a VISA cardholder).


An active checking account enables you to participate in the Thank Use group goal. This year we’re helping members improve and maintain their credit. And if at least 83.3% of participating Dupaco Bright Track-enrolled members improve or maintain their credit scores, you’ll receive an additional $10!

Get Bright Track

To be eligible for the improve co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, be enrolled in Bright Track on 09/30/18, and log into Shine online banking at least once between 07/01/18 – 09/30/18. . Group calculation based on members enrolled in Bright Track a minimum of 6 months (on or before 04/01/18).

QUALIFICATIONS: Personal member with an active personal checking account and a primary savings account minimum balance of $25.00 or more on 9/30/18.

INELIGIBILITY: The following are not eligible: personal members with a loan or deposit charge-off in 2018, personal members with a loan delinquent by 60 consecutive days or more on 9/30/18, or personal members with a negative checking account balance for 30 consecutive days or more on 9/30/18; business members and trust members with an EIN; business accounts under personal memberships.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/18/18 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, membership on 10/18/18 is required. Account relationships, deposit balances, and loan interest paid are based on a single member number and cannot be combined or shared with other member numbers.

ACTIVE PERSONAL CHECKING DEFINITION: Must meet one of the following qualifying criteria: a.) Set up direct deposit into your checking account, then have a total of 5 or more check, debit, or automated clearing house (ACH) transactions on that checking account within 90 consecutive days ending on 9/30/18. OR b.) Or, if you cannot direct deposit into your checking account, then have 10 check transactions, or 8 debit transactions, or 5 automated clearing house (ACH) transactions, or 3 bill pay transactions, on that checking account within 90 consecutive days ending on 9/30/18.