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 Dupaco, the more you’re thanked with extra cash dividends.

Here’s how you can earn:



An active checking account enables you to unlock Thank Use through your use of the following Dupaco services:


Build up your savings and earn up to $60. Here's what your savings balances could potentially earn you:

Combined Savings Balances Thank Use
$1,000—$4,999.99 $20
$5,000—$19,999.99 $30
$20,000—$49,999.99 $45
$50,000+ $60
Start Saving

To earn Thank Use in the Save category, member must meet campaign eligibility requirements and have a balance of $1,000 or more in combined deposit accounts (savings, money market, IRA, term share certificate, and/or health savings) on 09/30/19. Checking account balances not included.


Earn up to $60 for interest paid on your loans. Here's how:

Combined Loan Interest Paid Thank Use
$100—$499.99 $20
$500—$1,999.99 $30
$2,000—$4,999.99 $45
$5,000+ $60
Explore Loans & Rates

To earn Thank Use in the Borrow category, member must meet campaign eligibility requirements and have paid a minimum of $100 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 01/01/19 - 09/30/19.


Grow your finances and protect your possessions by partnering with the experts at Dupaco Insurance Services (DIS) and Dupaco Financial Services (DFS). Choose one or both services and you’ll be “thanked” in return!

Services Used Thank Use
One $10
Two $25

To earn Thank Use in the Plan category, member must meet campaign eligibility requirements and have a minimum of one the following on 9/30/19: Be a policy holder with Dupaco Insurance Services or an 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.


Earn 5 cents every time you swipe your Dupaco card. Here's how:

Card Used Thank Use
Dupaco Debit MoneyCard $0.05 per swipe
Dupaco Visa Credit Card $0.05 per swipe
Open a checking account Open a Visa credit card

To be eligible for Thank Use 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 1/01/19 – 9/30/19 (excludes ATM transactions). (Transactions may take up to 3 business days to post to your account.)


Simplify and improve your financial life with Dupaco digital services! You’ll earn $5 for each one of these featured services you use.

Services Used Thank Use
Bright Track $5
Mobile Deposit $5
eDelivery $5

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

To earn Thank Use in the Access category, member must meet campaign eligibility requirements and have a minimum of one of the following: use mobile deposit between 01/01/2019 – 09/30/19, be enrolled in Bright Track on 9/30/19, and/or be set-up for eDelivery on 9/30/19 (requires member to be enrolled in eNotices AND opted out of mailed monthly member statements, AND opted out of mailed monthly Visa statements, if a Visa cardholder).


This is a special “thank you” for returning Thank Use participants.

Prior year of Thank Use participation Thank Use
2 Years (2016 and/or 2017 and/or 2018) $5
3 Years (2016 and 2017 and 2018) $15

To earn Thank Use in the Participate category, member number must have been paid Thank Use in 2016 and/or 2017 and/or 2018. If a member closed their Dupaco membership and rejoined, Thank Use paid on a past, closed member number will not apply.


If Thank Use participation reaches 53,500 members or more by 9/30/19, all eligible participants will receive an additional $10!

Prior year of Thank Use participation Thank Use
53,500 members $10

To earn Thank Use in the Cooperate group goal category, member must meet campaign eligibility requirements and at least 53,500 Dupaco members must have earned Thank Use on 9/30/19.

THANK USE QUALIFICATIONS: Personal member, age 18 or older as of 9/30/19, with an active personal checking account and a primary savings account with a minimum balance of $25 or more on 9/30/19.

INELIGIBILITY: The following are not eligible: personal members with a loan or deposit charge-off in 2019, those with a loan delinquent by 60 consecutive days or more on 9/30/19, or those with a negative checking account balance for 30 consecutive days or more on 9/30/19; business members and trust accounts with an EIN; business accounts under personal memberships.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/17/19 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, Dupaco membership on 10/17/19 is required. Account relationships, deposit balances, loan interest paid, and Thank Use longevity are based on a single member number and cannot be combined or shared with other member numbers.

ACTIVE PERSONAL CHECKING DEFINITION: To be considered an active personal checking, an account must meet one of the following qualifying criteria: 1.) Direct deposit into the 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 9/30/19. OR 2.) Have 10 check, or 8 debit, or 5 automated clearing house (ACH), or 3 bill pay transactions from the checking account within 90 consecutive days ending on 9/30/19.



Boost is a special Thank Use earning category for members under the age of 18. Savings is a habit. Simply make five individual savings deposits of $5 or more* between 1/1/2019 and 9/30/2019 and we’ll “thank you” with $25!

Number of Deposits Thank Use
5+ $25

BOOST QUALIFICATIONS: Personal member, under age 18 as of 9/30/19, with a primary savings account with a minimum balance of $25 or more on 9/30/19. Limit one qualifying deposit per day; deposits of $5 or less will not count towards Boost.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/17/19 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, membership on 10/17/19 is required. Deposits are based on a single member number and cannot be combined or shared with other member numbers.