Credit union · NCUA insured
Dupaco Community Credit Union Savings Rates
Dupaco Community Credit Union’s best savings rate is 2.25% APY on $10,000, with its Bright Savings. Rates checked October 16, 2026.
How Dupaco Community Credit Union’s savings rates compare
Compared with banks and credit unions near Dubuque, IA, where Dupaco Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dupaco Community Credit Union
2.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $225
Bright Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
Dupaco Community Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0003.25%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0003.66%
- QualifiedQualified0.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Dupaco Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Achieve Money Market
0.00%APY
For balances of $25,000+. Withdraw funds in person or online any time (minimum withdrawal $250). Check-writing isn't available. No penalties for withdrawals made in-branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Min. to Earn $25,000.00. | 0.00% | $0 | Min. to Earn $25,000.00. |
| $25,000 and upOpen a new Achieve Money Market Account with $25,000 in qualifying funds to earn an introductory 4.00% dividend rate for 6 months. | 3.66% | — | Open a new Achieve Money Market Account with $25,000 in qualifying funds to earn an introductory 4.00% dividend rate for 6 months. |
| $25,000 – $100,000Min. to Earn $25,000.00. | 3.25% | — | Min. to Earn $25,000.00. |
| $100,000 – $250,000Min. to Earn $100,000.00. | 3.25% | — | Min. to Earn $100,000.00. |
| $250,000 – $1,000,000Min. to Earn $250,000.00. | 3.25% | — | Min. to Earn $250,000.00. |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 16, 2026
Launchpad Savings
3.25%APY
This is not a retirement account; no tax benefits. 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.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Subject to 90-day deposit activity and $1,000 balance transfer requirements.Up to $1,000 | 3.25% | — | Subject to 90-day deposit activity and $1,000 balance transfer requirements. |
Sources (1)
- dupaco.com/personal/retirement · captured Oct 5, 2026
High-Yield Savings
1.50%APY
$50,000 minimum balance to open and maintain account. Listed under Money Market Accounts on page 80. Minimum daily balance to earn must be maintained each day to obtain disclosed APY. Dividends calculated daily, credited and compounded monthly. Available to individuals, trusts, estates, and small businesses; not available to investment companies and financial institutions. Maximum deposit limits may apply. Check-writing isn't available. Minimum withdrawal $250.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Min. to Earn $0.01. | 1.50% | $150 | Min. to Earn $0.01. |
| $100,000 – $250,000Min. to Earn $100,000.00. | 1.85% | — | Min. to Earn $100,000.00. |
| $250,000 – $500,000Min. to Earn $250,000.00. | 2.05% | — | Min. to Earn $250,000.00. |
| $500,000 – $1,000,000Min. to Earn $500,000.00. | 2.25% | — | Min. to Earn $500,000.00. |
| $1,000,000 and upMin. to Earn $1,000,000.00. | 2.45% | — | Min. to Earn $1,000,000.00. |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 16, 2026
High-Yield Savings
1.50%APY
$50,000 minimum balance to open and maintain account. Minimum daily balance to earn must be maintained each day to obtain disclosed APY. Dividends calculated daily, credited and compounded monthly. Available to individuals, trusts, estates, and small businesses; not available to investment companies and financial institutions. Maximum deposit limits may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 1.50% | $150 |
| $100,000 – $250,000 | 1.85% | — |
| $250,000 – $500,000 | 2.05% | — |
| $500,000 – $1,000,000 | 2.25% | — |
| $1,000,000 and up | 2.45% | — |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 5, 2026
Investor's Choice Money Market
0.30%APY
Available to individual and small business member accounts only. NOT available to investment companies and financial institutions. Maximum deposit limits may apply. Check-writing is not available. Minimum withdrawal $250. No penalties for withdrawals made in-branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Min. to Earn $0.01. | 0.20% | — | Min. to Earn $0.01. |
| $2,500 – $10,000Min. to Earn $2,500.00. | 0.25% | — | Min. to Earn $2,500.00. |
| $10,000 – $25,000Min. to Earn $10,000.00. | 0.30% | $30 | Min. to Earn $10,000.00. |
| $25,000 – $100,000Min. to Earn $25,000.00. | 0.35% | — | Min. to Earn $25,000.00. |
| $100,000 and upMin. to Earn $100,000.00. | 0.40% | — | Min. to Earn $100,000.00. |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 16, 2026
Share Savings
0.15%APY
Dividends and APY accurate as of last dividend declaration date. Rate is variable and may change after account opening. Par value of one share in the credit union is $25.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.10% | — |
| $2,500 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 and up | 0.20% | — |
Sources (2)
All captured Oct 5, 2026
You Name It Savings
0.15%APY
Dividends and APY accurate as of the last dividend declaration date. Rates are variable and subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.10% | — |
| $2,500 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 and up | 0.20% | — |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 5, 2026
Special-purpose accounts
Bright Savings
2.25%APY
Must be enrolled in eStatements by end of month to earn dividends. Available exclusively to consumer members (business, fiduciary, minor, estate, trust accounts not eligible). Must be opened online via Dupaco's Online Application; limited to one account per SSN. Account balance limited to $1,000,000 inclusive of principal and dividend accruals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Requires enrollment in eStatements to receive dividends. Online-only account.Up to $1,000,000 | 2.25% | $225 | Requires enrollment in eStatements to receive dividends. Online-only account. |
Sources (2)
All captured Oct 5, 2026
IRA Share Account
0.50%APY
Must have earned income (within allowable limits for Roth). Minimum to open Dupaco IRA Plan is $1,000. Available as Traditional or Roth IRA wrapper. IRS early distribution penalty and Dupaco early withdrawal/transfer fees may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applicable to Roth and Traditional IRA share accounts. | 0.45% | — | Applicable to Roth and Traditional IRA share accounts. |
| $5,000 – $15,000Applicable to Roth and Traditional IRA share accounts. | 0.50% | $50 | Applicable to Roth and Traditional IRA share accounts. |
| $15,000 and upApplicable to Roth and Traditional IRA share accounts. | 0.60% | — | Applicable to Roth and Traditional IRA share accounts. |
Sources (1)
- dupaco.com/personal/retirement · captured Oct 5, 2026
Health Savings Account
0.30%APY
Requires a high-deductible health plan. To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts OR have a Dupaco checking account with direct deposit and free eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. | 0.20% | — | To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. |
| $2,500 – $10,000To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. | 0.25% | — | To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. |
| $10,000 – $25,000To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. | 0.30% | $30 | To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. |
| $25,000 and upTo waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. | 0.35% | — | To waive the $2.00 monthly service fee, maintain a combined average monthly balance of $2,500 in Dupaco HSA and/or checking accounts, or maintain a Dupaco checking account with direct deposit and free eStatements. |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 5, 2026
DoPACK Kids Savings Account
0.15%APY
Designed for kids age 12 and under. Enjoys the same rates as regular Share Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Rates match regular Share Savings tiers. | 0.00% | — | Rates match regular Share Savings tiers. |
| $100 – $2,500Rates match regular Share Savings tiers. | 0.10% | — | Rates match regular Share Savings tiers. |
| $2,500 – $10,000Rates match regular Share Savings tiers. | 0.10% | — | Rates match regular Share Savings tiers. |
| $10,000 – $25,000Rates match regular Share Savings tiers. | 0.15% | $15 | Rates match regular Share Savings tiers. |
| $25,000 and upRates match regular Share Savings tiers. | 0.20% | — | Rates match regular Share Savings tiers. |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 5, 2026
Holiday Club Savings
0.20%APY
Renews automatically each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Sources (1)
- dupaco.com/personal/savings-account · captured Oct 5, 2026
Who can join Dupaco Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work within Dupaco's charter area.
Employers and groups
- Eligibility is open to members of the Rural Ideas Network.
Family and household
- Eligibility is open to individuals who have an immediate family member who is a member.
Cost to join
- Opening membership requires a one-time share deposit of at least $25 into a savings account.
Membership information collected October 4, 2026.