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SCENE IN: 2018Dupaco staff join local community membersto celebrate the accomplishments of studentsin the Housing Education and RehabilitationTraining program at the housing project openhouse May 18 in Dubuque, Iowa. The students,including recent graduate Myko Pickett(center), renovated the West Locust Streethome while attaining their diplomas.(M. Blondin/Dupaco photo)Owner’s Manual is a publication of Dupaco Community Credit Union.P.O. Box 179, Dubuque, IA 52004-0179(563) 557-7600 / 800-373-7600Dupaco and the Dupaco logo are registered trademarks of Dupaco Community Credit Union. All rights reserved.SAVEBORROWINVESTINSUYour Membership PaysAt a cooperative like Dupaco Community Credit Union, you’re not just a member. You’re an owner. Active participationpowers the credit union—and you share in the success. The more you use Dupaco, the more you’re thanked with extracash dividends. An active checking account indicates your commitment and is the key to unlocking your Thank Use.dupaco.comRETRUSTIn the past two years, participating members received individual shares of MORE THAN 6 MILLIONINSUMMER2018 1 ThankParticipateYourUse!MembershipPaysPAGE 2 Earn Cash by Inviting Your Friends to Join!PAGE 3 How to Put Your Home’s Equity to Work for YouPAGE 4 Learning Lab Explores New Ways to Help MembersPAGE 8 Say Farewell to Cardholder Signatures on ReceiptsPAGEYour savings balances couldearn you up to 75. Qualifyingdeposits include savings,money market, IRA, termshare certificate and healthsavings accounts.Earn up to 150 for theinterest you pay on auto,recreational vehicle, personal,home equity and mortgageloans financed (or refinanced)through Dupaco.You can earn 0.05 inThank Use every time youmake purchases using yourDupaco debit MoneyCardand/or your Dupaco Visacredit card.Earn up to 15 by usingDupaco’s digital services,including eDelivery, BrightTrack, Shine Online andMobile banking, Picture Pay,mobile deposit, direct depositand video teller machines.When you partner withDupaco Insurance Servicesand/or Dupaco FinancialServices, you’ll be “thanked”in return with up to 25.If at least 83.3 percent ofparticipating Dupaco BrightTrack-enrolled membersimprove or maintain theircredit scores, you’ll receivean additional 10.dupaco.com/ThankUseTo be eligible for Thank Use, you must be eligible for Dupaco membership and meet campaign eligibility requirements. See details at dupaco.com/ThankUse.SUMMER 1
Earn Cash by Inviting Your Friends to Join!The more members who join and use Dupaco, the more your not-for-profit cooperative can expand services like Bright Track credit monitoring,mobile deposit, financial education and more. And now you can get rewarded for inviting others to join and use your credit union!How it worksThe Dupaco Refer-a-Friend program, which launchedin March, allows eligible members to referfriends and family to join and participate in thecredit union by sending them an online invitation.Find your unique referral link—which canbe shared through social media, email ortext—inside Shine Online or Mobile Banking.Referred members can open their new Dupacoshare savings account (a member’s share ofownership in the credit union) and checkingaccount online.When you refer others to join the creditunion and open and use a Dupaco checkingaccount, both of you receive 50. You can earnup to 500 per year by referring new membersto join.“Members have been asking for an easyway to encourage those they know to becomeactive members of the credit union,” saysDupaco’s Jennifer Hanniford. “This programallows members to do just that, and theycan add their own message to the request tojoin—allowing folks to say what it is they likeabout Dupaco.”For eligibility guidelines, visitdupaco.com/refer-a-friend.How Do the Fed’s Rate Hikes Impact You?dupaco.com/ratesDec. 16, 20083.25%Dec. 17, 20153.50%Dec. 15, 20163.75%The Federal Reserve has raised the interest rate tothe highest level in a decade—the U.S. prime rateis at 5 percent—with more rate hikes expectedthis year. Whether you’re saving or borrowing,Dupaco still has your best interest in mind.The credit union continues to offer abovemarket rates for savers, with deposit ratessteadily increasing recently. Dupaco is helpingsavers by offering:March 16, 2017June 15, 20174.00% 4.25%Dec. 14, 20174.50%March 22, 20184.75%June 14, 20185.00%U.S. Prime Rate through the yearsHigh Yield Savings.Competitive Money Market.Term share certificates.Here’s what Dupaco is doing to help borrowers:Credit cards: You might be able to loweryour payments by transferring your balances toa low-rate Dupaco Visa credit card.Home equity line of credit: Considerconsolidating debt with a home equity line ofcredit. For a limited time, Dupaco is offering acash-back and an introductory-rate homeequity option for qualified borrowers.Mortgage: Dupaco also is offering adiscount on closing costs for both new andrefinanced mortgages.Student loans: Talk to your credit union tofind out whether you can save interest by refinancingvariable-rate loans into a fixed-rate student loan.For questions about saving or borrowing atDupaco, call 800-373-7600.SCENE IN: 2018Dupaco board members DeniseDolan, Bob Wethal and RandySkemp take the oath of officefollowing the 69th annual DupacoMeeting of the Membership onFeb. 18 at the Peosta CommunityCentre in Peosta, Iowa.(D. Klavitter/Dupaco photo)2 SUMMERHow to Put Your Home’s Equityto Work for YouYour equity increases as you pay your home’smortgage balance down. You also can boost itsvalue by making smart home improvements.A Consumer Reports survey of millennialsfound that a “modern/updated kitchen” toppedthe list of ideal home features. And you don’thave to spend a lot to reap the benefits.“For as little as 5,000, you should be ableto add a new suite of appliances, as well asa new countertop and flooring, resulting in afresh, coordinated look. Applying a fresh coatof paint to the walls or cabinets, and updatingthe hardware, can also breathe new life intothe space,” Consumer Reports advises.Whenever you update your home, strive foran open, flexible floor plan—the second-mostdesired feature in a home, the survey found.When it comes to any home-improvementproject, it’s critical to establish a budget beforeyou start. “Things cost more than you expect,”says Dupaco’s Amanda Durham. “Even afteryou get a bid, budget for a little more so you’reprepared for unexpected costs.”For more information or to apply, contactDupaco’s Consumer Loan Department at800-373-7600, ext. 202, or loans@dupaco.com.What’s the Difference?SHome EquityLine ofVS.CreditHomeImprovementLoan Line of credit (available when a memberneeds funds) Closed-end/one-time advance Closing costs up to 350 paid by Dupaco No closing costs Variable rate Fixed rate determined by credit score Interest rate determined by credit scoreand loan-to-value (requires appraisaland equity in house) To be used when there is no equityin house Advances can be used for anything Bids required/funds must be qualifiedhome improvementsdupaco.com/HomeEquityHow to Buy a Used Car with ConfidenceIn the market for a new-to-you vehicle?THERE ARE PROS TO BUYING USED:The original owner will have absorbed thecostly depreciation that occurs in the first fewyears of ownership.And, since the value of the vehicle is lower, youwill save on sales tax and insurance premiums.But how do you find a used vehicle that fitsboth your needs and budget? Dupaco’s AdamDodds offers these tips:FALL 9Before you shop: It’s a good idea to getpreapproved so you can set a budget from thestart. This also gives you an opportunity to reviewyour credit score for a clearer picture of yourfinancing options.Safety first: When you’re considering a usedvehicle, it pays to know the vehicle’s history.Get a vehicle history report from a site likeCARFAX . Take the vehicle on a thorough testdrive, and have a reputablemechanic look at it prior to purchase.Know your options: If you’re in themarket for a newer used vehicle, consider aCertified Pre-Owned car. These vehicles arerelatively new with low miles and have beeninspected and refurbished by the dealership.dupaco.com/vehiclesSUMMER 3
Staff UpdatesLearning Lab Explores New Ways to Help MembersMARION, Iowa—Designed to deliver innovative ways of serving its members, Dupaco’s newest branchopened April 30 in Marion.Members and guests celebrated the opening of the Marion Learning Lab, 5970 Carlson Way, during aribbon-cutting ceremony and open house June 26.The full-service branch, which is the credit union’s third Learning Lab, focuses on teaching membershow to control their money through hands-on demonstrations. The branch features:Interactive video-teller kiosks guided by remote Dupaco staff for full-service transactions.A collaboration station to explore money matters with on-site staff.Free personalized financial coaching sessions through Money Makeovers and Credit History Lessons.Technology tables to experiment with mobile deposit, set up eNotifiers or learn about mobile payments.While the branch is new, Dupaco’s methodology remains the same—delivering personalized financialadvice to improve its members’ financial positions.SCENE IN: 2018Dupaco’s newest branch opened in Marion, Iowa, on April 30. This fullservice, two-story branch near the intersection of Highways 13 and 151 servesas a learning laboratory to explore and test new ways of helping membersunderstand money.dupaco.com/locationsYour Voice is the Difference MakerDespite months of bank attacks, state lawmakersthis spring rejected an effort to increase taxes onIowa credit unions. That’s because you helpedshowcase that a not-for-profit financial alternative is needed in the marketplace.With 86 percent of the market in Iowa, bankswill always be bigger and have more money thancredit unions. But they don’t have members like you.As Dupaco gets ready to celebrate our 70thanniversary this summer, we continue to fulfillour mission to enrich the lives of our more than108,000 members. At Dupaco, you’re not just amember, you’re an owner.We share in the success of the credit unionwith extra benefits like Thank Use—whereparticipating members shared more than 6 million during the last two years! AccessShine Online Banking to see your share.Please know your voice always makes adifference. Thanks for standing up for thefinancial home you own.SCENE IN: 2018CEO Joe Hearn (right) thanks Sen. Chuck Grassley for his support ofregulatory relief for credit unions and community banks during a town hallmeeting in Bellevue, Iowa, on May 1. (D. Klavitter/Dupaco photo)Joe HearnPresident and CEOVolunteer Board of DirectorsAnnounces Appointments1During Dupaco’s 69th Annual Membership Meeting on Feb. 18, Jeff Gonner, Ron Mussehl and4Randy Skemp were re-elected to serve three-year terms on the credit union’s volunteer board ofdirectors. Following the membership meeting, the board of directors made the following appointments: 1 Bob Wethal, chair of the board 5 Denise Dolan, chair of Nomination andPersonnel committees 2 Andy Schroeder, vice chair, chair of Credit 6 Jeff Gonner, chair of Investment/Asset LiabilityUnion Service Organization Board of DirectorsManagement Committee 3 Steve Chapman, secretary, chair of7 7 Ron Meyers, chair of Credit/Delinquent LoanSalary Savings Plan Oversight CommitteeCommittee 4 Renee Poppe, treasurer, chair of 8 Ron Mussehl, chair of Business Lending CommitteeMarketing Committee 9 Randy Skemp, chair of Audit Committee23Devon Douvikas wasappointed financial servicesregistered administrative assistantat the Hillcrest Road branch.Thomas Draus III wasappointed consumer lendingrepresentative at the HillcrestRoad branch.James Eppler was appointedmember service/lending consultant/operations assistant atthe Locust Street branch (insideHy-Vee) in Dubuque.Nikole Eudaley wasappointed consumer lendingconsultant at the HillcrestRoad branch.Ryan Fitch was appointedmember service representativeII at the Key West, Iowa, branch.Judy Folken was appointedlead deposit operations representative at the OperationsCenter.Aaron Gassman joinedDupaco as a member solutionsconsultant at the Asbury branch.Trish Goodwin wasappointed member servicerepresentative at the LocustStreet branch (inside Hy-Vee).Hillary Gottschalk wasappointed teller services supervisor at the Hillcrest Road branch.Tom Harbaugh joinedDupaco as a relationshipdevelopment specialist at thethe Operations Center.Notes Bearing Interest5869NOMINATIONS BEING ACCEPTEDThe Dupaco Nominating Committee is accepting applications from qualified members interested in serving on the Dupaco Board of Directors, an unpaid body of volunteers elected by the membership.Candidates are required to submit biographical information by Aug. 31, 2018, and individually review director responsibilities with members of the board and staff. From the applicant pool, thecommittee will recommend candidates to the membership at the Feb. 24, 2019, Annual Meeting. No nominations will be accepted from the floor. Members must submittheir intentions in writing to: Dupaco Community Credit Union, Nominating Committee, P.O. Box 179, Dubuque, IA 52004-0179.dupaco.com/about4 SUMMERJustin Alspach was appointedhelp desk representative at thePennsylvania Avenue branchin Dubuque, Iowa.Brittany Beeseckerjoined Dupaco as a relationshipdevelopment representativeat the Operations Center inDubuque.Julie Blasen joined Dupacoas a card services representative at the Operations Center.Maddie Boettner wasappointed welcome deskrepresentative at thePennsylvania Avenue branch.Hannah Brehm joinedDupaco as a member servicerepresentative at the HillcrestRoad branch.Manny Calderon wasappointed member servicerepresentative II at the Peosta,Iowa, branch.Bruce Carr was appointedmember service representativeat the Platteville, Wis., branch.Olivia Connolly joinedDupaco as a consumer lendingconsultant at the HillcrestRoad branch.Robert Daughters wasappointed help desk supervisorat the Pennsylvania Avenuebranch.Libby Donovan wasappointed mortgage postclosing specialist at the Asbury,Iowa, branch.Sailu Aryal, senior internal auditor, received herCertified Credit Union Internal Auditor designationthis spring. The designation signifies an expert levelof understanding of credit union internal auditing.JoJean Decker, member service inclusionrepresentative, and Ali Hunzeker, member servicerepresentative, graduated from the Northeast IowaCommunity College Leadership Academy this spring.Katie Fisher, consumer/mortgage lendingconsultant; Megan Francois, consumer/mortgagelending consultant; Tim Gau, IRA specialist; MarlieRussell, card services representative; Jenna Shultz,member service/lending consultant/operationsassistant; Jillissa Stratton, member servicerepresentative II; and Kimberly Timmer, memberexperience trainer II, graduated from Dale Carnegie Training this spring.Former Dupaco President/CEO Bob Hoefer andhis wife, Marilyn, received the 2017 First CitizenAward by the Dubuque Telegraph Herald.Marilyn Heitz joinedDupaco as an accountingrepresentative at the Pennsylvania Avenue branch.Kim Hundrieser joinedDupaco as a contact centerrepresentative at theOperations Center.Meghan Hurst was appointedvirtual lending consultant atthe Hillcrest Road branch.Chris Johanns wasappointed business lendingconsultant at the HillcrestRoad branch.Noah Kachelski joinedDupaco as a member servicerepresentative at the HillcrestRoad branch.Rachel Kluck was appointedmember experience development supervisor at the HillcrestRoad branch.Brittany Krapfl wasappointed marketing analystat the Asbury branch.Chris Lansing joinedDupaco as a member servicerepresentative at the HillcrestRoad branch.Amber Lee was appointedmortgage funding representative at the Asbury branch.Tara McDermott joinedDupaco as a creative architectat the Asbury branch.Tanya Moore was appointedvice president, business lendingat the Hillcrest Road branch.Kayla Myers was appointedmortgage closing representativeat the Asbury branch.Nikki Nelson joinedDupaco as an indirect lendingspecialist at the PennsylvaniaAvenue branch.Marie Pillard wasappointed senior mortgagecloser at the Asbury branch.Dennis Price joinedDupaco as a consumerlending consultant at theHillcrest Road branch.Melissa Roe was appointedmember service representativeII at the Galena, Ill., branch.David Schick was appointedbranch manager at the LocustStreet branch (inside Hy-Vee).Katie Schueller wasappointed senior financespecialist at the PennsylvaniaAvenue branch.Diane Sloman wasappointed contact centerrepresentative at theOperations Center.Spencer Smith wasappointed member service/lending consultant/operationsassistant at the SycamoreStreet branch in Dubuque.Ryan Soedt joined Dupacoas a treasury financial managerat the Operations Center.Peter Spinoso wasappointed community outreachand education representativeat the Asbury branch.Laurie Sullivan wasappointed mortgage servicingspecialist at the Asbury branch.Mark Kremer, senior insurance agent, and ChrisRogers, senior insurance agent, were listed as TopTen Producers for Life Insurance in the Iowa/Nebraskaregion for Auto Owner’s Insurance. In addition, theentire Dupaco Insurance Services team achievedProgressive’s Platinum Blue Level standards, makingDIS the second agency in Iowa and one of only 60 inthe country to achieve this level.Jamie Millius, human resources representative, andSarah Pink, human resources specialist, receivedSociety of Human Resources—Certified Professional.The credentials are based on the Human Resourceslandscape, focusing on the competencies andknowledge HR professionals need to lead in today’sbusiness community.Chad Orr, senior financial data analyst, was selectedto the Iowa Credit Union League’s 2018 IowaInnovation Group. He will join a group of innovatorsfrom across Iowa to come up with new and innovative ways to serve our members and fight for thefuture of consumer finance through credit unions.Marlie Russell, card services representative, waschosen to “Crash” the CO-OP’s annual THINK18FINANCIAL STRENGTHAs of May 31, 2018Members: 108,002Deposits: 1.32 billionLoans: 1.03 billionAssets: 1.64 billionReserves: 243 millionReserve Ratio: 14.8%Julie Thompson wasappointed mortgage closingrepresentative at the Asburybranch.Tony Viertel joined Dupacoas a relationship developmentspecialist at the OperationsCenter.Britt Volquardsen joinedDupaco as a member servicerepresentative at the HillcrestRoad branch.Jon Voss was appointedconsumer lending representative at the Hillcrest Roadbranch.Tammy Wood wasappointed member engagement supervisor at theOperations Center.conference, which brings together hundreds of thenation’s most forward-thinking credit union leadersto collaborate with world-renowned experts intechnology, trends and change management.RetirementsMike Ferris, CUSO accounting manager at theHillcrest Road branch in Dubuque; 34 years ofservice; retired May 2018.Keith Langan, consulting agent for DupacoInsurance Services at the Hillcrest Road branch;12 years of service; retired February 2018.DID YOU KNOW?For the latest new hires, promotions andtransfers throughout the organization, goto Dupaco.com/StaffUpdates.SUMMER 5
COMMUNITY CALENDARThursday, July 19Tuesday–Sunday, July 24–29Toys for TotsDupaco DoSpaceDiscounted Tickets Summer Courtyard at the DubuqueAdventureland Park,ConcertCounty FairAltoona, IowaLOCATION:Discounted Seasonand Game TicketsDubuque Senior HighSchool Dalzell Field, Dubuque, IowaTIME: Game begins at 7 p.m.Friday, July 20, vs. Joliet United SCReceive 20 percent off season andindividual soccer game tickets byshowing your Dupaco debit or creditcard at the gate on match day.Purchase tickets at anyDupaco location for 38 each.Ticket quantities are limited.LOCATION:uniondfc.comDUPACO STAFFCAREER MILESTONES5-Year EmployeesHeather BeckerTim BemisKatie BockenstedtLaura DonnerSarah Pink10-Year EmployeesJacki ClasenJennifer FoleyJill GogelWes HendricksKelly HoutakkerMelissa MaasRJ MontesLynn Schmitt15-Year EmployeesLeslie BiverMatt DoddsMaria HallMarie PillardKevin WeberMarcie WinkelmanDiscounted TicketsLost Island Waterpark,Waterloo, IowaPurchase tickets at anyDupaco location for 24 each.Ticket quantities are limited.LOCATION:Sundays, July–AugustMusic in theGardensDubuque Arboretum &Botanical Gardens, Dubuque, IowaTIME: 6:30 p.m.Pack a picnic, lawn chairsand a blanket, and bring thefamily to the free concertseries each Sunday. All agesare welcome. Performanceschedule is available atDubuqueArboretum.com.LOCATION:Schmid InnovationCenter Courtyard, DubuqueTIME: 7–9 p.m.Enjoy a great night of livemusic by FY5 (Finnders &Youngberg) and food anddrinks available by Brazen.Tickets are 15 at the dooronly, with proceeds benefitingthe Marine Corps Toys forTots in the tri-states.LOCATION:Dubuque CountyFairgrounds Creative Arts Center,DubuqueMake and do inside this spacecreated for kids! Play withoversized blocks and games,create art and explore the KidzScience Safari, which featuresinteractive science, technology,engineering and math exhibits.Free with fair admission.LOCATION:Saturday, July 21DoPACK Pool PartyFamily Aquatic Center,Dyersville, IowaTIME: 6–8 p.m.Join our pool party at theDyersville Aquatic Center!Admission is free, but aticket is required. Ticketscan be printed at dupaco.com/events or picked up atDupaco’s Dyersville, Peostaor Dubuque JFK/HillcrestRoad locations.Saturday, Aug. 18Madagascar Jr.Grand Opera House,DubuqueTIME: 2 p.m.Dupaco members may usethe code “Dupaco” toreceive 5 off regular ticketprices. With the code,members will receive 10adult tickets and 5 under18 tickets. The code will bevalid for any “MadagascarJr.” performance, providedtickets are available.Tickets can be orderedat the box office or atthegrandoperahouse.com.LOCATION:Saturday, Sept. 22LOCATION:Thursday–Friday, July 26–27MemberAppreciationIce Cream DaysTIME: Noon-4 p.m. July 26 atDupaco’s branches in Dubuqueand Peosta, IowaTIME: Noon-4 p.m. July 27 at Dupaco’sbranches in Dyersville, Iowa; Galena,Ill.; and Platteville, Wis.Complimentary ice cream willbe offered to members tocelebrate Dupaco’s cooperative, member-owned roots.Blocktober FestBlock of 10th andWashington streets, DubuqueTIME: Noon–7 p.m.Celebrate Oktoberfest at thisMillwork District Block Party,presented by the Dubuque Jayceesand sponsored by 7Hills BrewingCompany and Dupaco. Enjoy craftand domestic beers, live music,food vendors, adult games andkid-friendly activities. OlliewoodAction Sports will be the featuredentertainment, with a BMX/skateboard tournament for prizes.LOCATION:20-Year EmployeeBob Nicks25-Year-Plus EmployeesLaurie Bell (30)Donna Digman (25)Deb Digmann (27)Deb Herbst (33)Diane Kieffer (30)Kelly Klein (25)John Koppes (32)Julie Laugesen (26)Laurie Leibold (38)Linda Maas (27)Donna Olberding (25)Deb Schroeder (26)Georgia Slade (25)Diane Sloman (26)Nancy Tekippe (40)Kurt Wuertzer (25)Be on the lookout foradditional eventsby checking Dupaco’s Member Eventsand Discounts web page.facebook.com/dupacotwitter.com/dupacoSCENE IN: 2018A combined 350 years of Dupaco experience in one photo! From left: Georgia Slade, Deb Digmann, Nancy Laugesen, Deb Schroeder,Kurt Wuertzer, Gregg Liddle, Bob Hoefer, Alice Pettit, Lisa Bock, Linda Maas and Joe Hearn. (M. Jungers/Dupaco photo)6 SUMMERdupaco.com/careersIf you have any questions on CommunityCalendar information, contact Dupaco at800-373-7600, ext. 0.DBQDUBUQUE, Iowa—With theirwedding on the horizon, collegesweethearts Rebecca and TomAmeche hoped to find a house tocall their own before the big day.They turned to Rebecca’s longtime creditunion, Dupaco, for help—and found guidanceand unexpected savings at every turn.“As first-time homebuyers, it was hard toknow what to expect,” Rebecca says. “Nomatter who we talked to, everyone was willingto help and get us the best answer they couldin a timely manner.”Dupaco helped the couple merge theirfinances, showed them how to automaticallysave for holidays and trips, taught them howto continue building their credit and guidedthem through the homebuying journey. Afterlooking at a handful of houses, the LorasCollege graduates found the perfect one forthem in a neighborhood they knew well.“It’s right by Loras College. I guess we can’tget away from it,” Tom says.Dupaco’s Krystal Frederick knew howimportant every bit of savings would be for theyoung couple getting started. And while theAmeches didn’t qualify for some income-basedgrants, Frederick found other savings for thecouple, who bought their house in April: 1,000 first-time homebuyer grant throughthe Dupaco R.W. Hoefer Foundation. 600 off closing costs through a Dupacopromotion.80/15 loan, allowing the couple to take outtwo mortgages to avoid paying Private MortgageInsurance. The first mortgage was for 80 percentof the home’s value, the second for 15 percent.By piggybacking the loans—an option forqualified borrowers—the couple saves 160in monthly PMI payments, Frederick says.“It was a great surprise to hear about thefirst-time homebuyer grant and be able toqualify for it,” Rebecca says.The savings has freed up the couple’s budgetto tackle some projects. So far, they’ve paintedmost rooms in their three-bedroom house.SCENE IN: 2018“It’s nice to be able to feel like you’reaccomplishing little goals to make the housemore of our own,” Tom says.Since merging their finances, the Amecheshave gotten into a weekly habit of touchingbase on money matters. They regularly useDupaco’s Shine Online Mobile Banking appand Bright Track credit monitoring to keeptabs on their money and credit.“We’re used to having our own money.It’s been an adjustment, but it’s been helpfulto sit down and talk about it each week,”Rebecca says.Their budget now includes another expense,with the addition of a new resident in theirhouse—a golden retriever named Hank.“I’ve always wanted a dog of my own,”Tom says. “I didn’t wait too long.”Curious whether we can positively impact yourfinancial future? Stop in to any branch, call us at800-373-7600 or email service@dupaco.com.Senja Hines shops the sales with her daughter, Avery, during Dupaco’sCommunity-Wide Garage Sales on May 12 in Platteville, Wis. Dupacosponsored six community-wide garage sales this year, with more than950 sales listed for free publicity both online and in printed directories.(S. Gassman photo)EDUCATIONAL OPPORTUNITIESWednesday, July 18Estate Planning SeminarDupaco’s Galena, Ill., branch5:45 –6:45 p.m.COST: FreePresented by First Community Trust, this seminarwill cover the topic of estate planning, with anoverview of wills, trusts and more. Pre-registrationis requested by contacting Jim Liddle at(563) 690-0029 or jliddle@fctrust.com.LOCATION:TIME:Thursday, Sept. 6Estate Planning SeminarPennsylvania Avenue branch in Dubuque, Iowa5:45–6:45 p.m.COST: FreePresented by First Community Trust, this seminarwill cover the topic of estate planning, with anoverview of wills, trusts and more. Pre-registrationis requested by contacting Jim Liddle at(563) 690-0029 or jliddle@fctrust.com.LOCATION:TIME:SCENE IN: 2018Dupaco members Tom and Rebecca (Wolter) Ameche settle intotheir first home with a new addition to the family—a golden retrievernamed Hank. With the help of their credit union, the couple purchasedtheir Dubuque, Iowa, home a few months before their wedding day.(M. Blondin/Dupaco photo)SUMMER 7
Say Farewell to Cardholder Signatures on ReceiptsPROTECTION CONNECTIONStore checkout lines should be moving alittle faster.The major card networks—MasterCard,Visa, Discover and American Express— nolonger require cardholder signatures forin-store credit and debit purchases. The onlycaveat: Visa still requires a signature if themerchant doesn’t accept EMV chip cards.“One of the main reasons for removingthe signature requirement was to makein-store purchases faster and moreconvenient,” says Dupaco’s Jim Bemboom. dupaco.com/fraudSignatures are no longer necessary tocombat card fraud. EMV chip cards andother technologies, such as tokenizationand biometrics, offer the best security forcardholders during in-store transactions.Dupaco has been issuing Visa credit cardswith EMV chips since 2015 and MoneyCardSigning offNearly 1 in 5 Americans don’t remember the last timethey used their signature outside of a sales receipt.Source: MasterCard’s “Signature Retirement” surveydebit cards with EMV chips since March2017. You also can pay securely with yourmobile wallet.But until April, the signature requirementfor in-store purchases was in place formerchants unless a cardholder’s four-digitPIN was used.Merchants can now choose if they wantto collect a signature, and some might stillask for it.“If a merchant asks for a signature, thecardholder should comply,” Bemboom says.Reasons to Use a Mobile Wallet1 2You can use yourDupaco cards.Dupaco credit and debit cardscan be used with Apple Pay,Google Pay and Samsung Pay.Mobile wallets are saferthan physical cards.Mobile wallets send a paymentcode rather than your cardnumber during transactions.3You can protectyour mobile wallet.You can require a passcode orfingerprint to access your phone(and your mobile wallet).Your collective voices helped defeat bankers’efforts to increase taxes on credit unionsduring the 2018 Iowa legislative session,which ended in May.The Iowa lawmakers’ tax reform packageultimately reaffirmed that credit unions arefulfilling their purpose to “provide an opportunity for members to use and control theirown money on a democratic basis in order toimprove their economic and social condition.”4You can deactivateyour card.If you lose your phone,disable your card throughShine, or call Dupaco.dupaco.com/PoliticalActionThanks to all our members who persisted inwriting letters, making phone calls, showing up attown hall meetings and rallying in Des Moines.You were the catalyst in this victory.More drivers are multitasking behind thewheel—from texting or talking on phones toeating or drinking. And drivers everywhere arepaying the price.How it impacts youIn a study of hundre
dupaco.com SUMMER 2 0 1 8 PAGE and video teller machines. 1 Thank Use! Participate PAGE 2 Earn Cash by Inviting Your Friends to Join! PAGE 3 How to Put Your Home's Equity to Work for You PAGE 4 Learning Lab Explores New Ways to Help Members PAGE 8 Say Farewell to Cardholder Signatures on Receipts Your Membership Pays SUMMER 1
