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Share Savings Accounts

Save more, earn more and do more with a Dupaco savings account

Saving doesn’t have to be complicated. Whether you’re setting aside money for a rainy day or a special goal, Dupaco makes it easy to stay in control and watch your money grow.

 
Features

Get ready to unlock these benefits!

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Start small, earn big

Open your Share Savings account with just $25—and start earning dividends on balances of $100 or more.

Ownership starts here

Your Share Savings account buys your share of ownership! That’s why it’s called a share account. Enjoy these member perks.

Automatic saving

With direct deposit and automatic transfers, it’s easier than ever to build your savings.

Tiered dividends

Dupaco offers tiered dividend rates. The larger your savings account balance, the more you could earn.

Save for goals

Naming your dreams can make saving easier! Create custom accounts and work toward your savings goals.

Federally insured

Feel confident knowing your deposits are federally insured up to $250,000 by the National Credit Union Administration.

Share Savings account rates

Account TypeBalance TierDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
Share Savings$25,000+0.30%0.30%$25$25,000
Share Savings$10,000 - $24,999.990.25%0.25%$25$10,000
Share Savings$2,500 - $9,999.990.20%0.20%$25$2,500
Share Savings$100 - $2,499.990.15%0.15% $25$100
Share Savingsless than $100n/an/a$25n/a
Rates are effective as of 04/01/2023 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.

Open my account Explore the benefits

Not a member? Join Dupaco and open your account today.

Save for goals

Smart saving starts today

Whether you’re dreaming of a new car, home renovations or something else, naming your goals helps you visualize what you’re working toward. That’s why your Share Savings account comes with tools to make saving for your dreams easier!

Savings Goal

Savings Goal

Best for: Tracking progress toward a specific goal

This handy feature in Shine Online & Mobile Banking helps you save for anything. Just set your target amount and date, and you’ll get a custom plan.

With only $5 to start, you can create unlimited goals, add or withdraw funds anytime, and earn the same dividends as your primary Share Savings account.

You-Name-It Savings Accounts

You-Name-It Savings accounts

Best for: Personalizing your accounts so you know exactly what you’re saving for

Create separate accounts for anything—projects, purchases, you name it! Open as many as you want in Shine Online & Mobile Banking with just $25.

Name each account, add or withdraw funds anytime, and earn the same dividends as your primary Share Savings account. Explore rates here.

How to open my account

Let’s get started. Which describes you best?

I’m a Dupaco member

Log in to Shine Online or Mobile Banking to easily add new accounts to your membership.

Open my savings account

I’m not a Dupaco member (yet)

Use our simple online application to join Dupaco and open your account.

Become a member Continue my application

Need help? Visit any of our convenient locations or give us a call at 800-373-7600. We can’t wait to talk!

ChangeUp Savings

Save every time you spend

Sometimes, it’s the little things that make a big difference. With ChangeUp Savings, you can save a little every time you spend. This free savings tool automatically rounds up your debit purchases to the next dollar and deposits the extra “change” right into your savings account. It’s a simple way to grow your savings without even thinking about it!

Here’s how it works: Let’s say you buy something for $9.75 with your Dupaco MoneyCard debit card. ChangeUp Savings will round it up to $10 and deposit the 25-cent difference into your savings.

It's automatic. It’s easy. And best of all, you’re in control. Simply log in to Shine Online or Mobile Banking and select the checking account you'd like to start round-ups from. Click “Actions,” and choose “Activate ChangeUp Savings” to get started. Pro tip: You can set up or stop this feature anytime!

Log in to Shine

Savings calculators

Crunch the numbers

Use our free savings calculators to see how your savings can grow, set goals for your next purchase and figure out how much you can save each month.

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