IMPACTPage

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How Will You Take Ownership of Your Co-op?

Dupaco’s Credit Coach Loan Helps Members Build Credit

Free Checking Teaches Teens Real-World Lessons

MoneyMatch Helps Dubuque Woman Break Free from Poverty

GreenBack

Strategic planning proves to be an all-out

good time for the Dupaco human resource crew, which includes (from left) Sarah Sieglaff, Sarah Goree, Jamie Millius and Lisa Bowers.

SCENE IN:

2015

www.dupaco.com

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GreenBackHave You Claimed Your

Have You Claimed Your

IMPACTWhen a financial cooperative like Dupaco grows, every member

benefits—in the form of competitive interest rates, lower fees and

expanded service offerings.

That’s why Dupaco is again rewarding its loyal members for

helping grow and strengthen the co-op.

Building on last year’s highly successful GreenBack Impact

campaign—in which Dupaco saved its members more than $3.5

million in interest by bringing outstanding loans home to the

co-op—the credit union brought back the green in late July.

Through Oct. 31, GreenBack Impact 2.0 offers you two new ways

to participate in your credit union to put some green back in your

pockets—and into the hands of your friends and family:

For the fifth year in a row, Dupaco has been recognized as one of the

nation’s “Top Performing” credit unions, reaffirming that the

cooperative continues to improve its members’ financial positions.

The Crystal Performance award, presented by the Raddon Financial

Group, recognizes credit unions for achieving a top ranking based on

several factors, including profitability, growth, efficiency, fees and

household balances.

The prestigious award was based on the credit union’s 2014 perfor-

mance. Dupaco also received the award in 2009 and 2011–2014.

at a cooperative like Dupaco, the more business members do with

their credit union, the more everyone benefits. When Dupaco helps its

members save money, the whole credit union grows and becomes

even stronger to better serve its members in the years to come.

Crystal Performance Award

“Top Performing”“Top Performing”Raddon Financial Group

2015

20092011201220132014

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Refinance a Loan!

Refer a Friend for $50!

Dupaco hopes to net its members more than $3 million in total interest savings by refinancing loans that are currently financed elsewhere. See what you can save: call Dupaco at 800-373-7600, ext. 202; email loans@dupaco.com; or visit any branch or dupaco.com/GreenBack.

Your friends and family can experience all of the great benefits of a Dupaco membership, and for every qualified referral, you and the member you’ve referred will each receive $50!

Dupaco Members Benefit from Distinction

Dupaco Members Benefit from Distinction

Dupaco Members Benefit from Distinction

dupaco.com/GreenBack

dupaco.com/about

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a member recently called me to inquire about his home equity line of

credit. I was updating his information when I noticed that his mortgage

loan rate was at 5.35 percent. I wondered why he hadn’t yet

refinanced the mortgage, with our rates being so low.

With about 24 years left on his 30-year loan, I suggested we look

at refinancing into a 20-year term. He didn’t much care for the idea

of paying closing costs.

So, I thought that maybe our Mini-Mortgage would be an option.

With its shorter term, the Mini offers the benefit of faster payoff with

minimal closing costs. Plus, the time from start to closing on a Mini-

Mortgage is significantly shorter than a traditional mortgage refinance.

I laid out the details of the Mini, suggesting a 10-year term (multiple

terms are available) and explaining that with the shorter term comes

higher monthly payments.

That’s when he threw me a curveball. He asked how his payments

would look if he put down an extra $20,000 on the mortgage. What a

game changer for this member!

Compared to his current traditional mortgage loan payment, his

Mini-Mortgage will increase his payment by only $95 a week. and

the savings? Over the life of the loan, the Mini will snag him more

than $40,000 in interest savings! Plus, he’ll be mortgage payment

free at the age of 42. Win-win!

Lynn Willenborg, member service represen-

tative at Dupaco’s Dyersville,

Iowa, branch, was on the lookout

for opportunities to save our members money and uncovered an

opportunity for major league savings. Here’s her story:Dupaco Community Credit Union operates under

the principle that we are stronger when we work

together. This cooperative concept is nothing new

for co-ops.

October is Co-op Month, an opportunity to cele-

brate the cooperative difference. The Cooperative

Network’s theme this year, “Take Ownership,”

celebrates how the cooperative business model gives

consumers a real stake in their economic destinies.

Because cooperatives like Dupaco are owned and

democratically controlled by those who use their

services, decisions are made with the best interests

of co-op members in mind—not to financially

benefit corporate stockholders.

From attending an annual meeting to serving on

the board of directors, members are encouraged

to be actively involved in shaping the future of

their cooperatives.

Co-ops are everywhere—from financial services

and food to agriculture and utilities. Dupaco com-

munities also are home to other co-ops, including:

Dubuque Food Co-op in Dubuque

Dunkerton Co-op Elevator in Dunkerton, Iowa

Maquoketa Valley Electric Cooperative in

anamosa, Iowa

New Pioneer Food Co-op in Iowa City, Iowa

Oneota Community Food Cooperative in

Decorah, Iowa

Sand Prairie Wireless in Elizabeth, Ill.

Viroqua Food Co-op in Viroqua, Wis.

Ermina Soler grew up mired in generational poverty

in a tenement in the Brooklyn, N.Y., projects.

She long believed homeownership was out of

reach. But a Dupaco Community Credit Union

savings program helped the 37-year-old

Dubuque woman turn that dream into a reality.

Soler is the latest successful participant of the

Dupaco MoneyMatch program—the account

that matches your effort. MoneyMatch is an

Individual Development account (IDa) in which

the savings of a participant are matched by a

dollar-for-dollar grant from the Dupaco R.W.

Hoefer Foundation or the Iowa Credit Union

Foundation. The savings and matching funds

are used to purchase a specific asset, such as a

home or vehicle, starting a small business or

paying for education.

Thanks to MoneyMatch, Soler was able to

stick with a savings plan for the first time,

accumulating the funds she needed to make a

down payment on her first house. Systematically

saving money from every paycheck and her tax

return, she eventually accrued $4,000, with

another $4,000 matched by the Foundation.

On april 17, just one year and two days after

enrolling in the program, she purchased a

three-bedroom ranch in Dubuque, becoming

the first homeowner in her immediate family.

Now Soler and her three children have more

stability, pride and hope for the possibilities

and opportunities yet to come. and that’s what

Dupaco’s mission is all about—improving its

members’ financial lives.

“It wasn’t until I opened the IDa that the reality

of the possibility of me actually owning a home

sunk in. With every contribution I added to the

savings account, it started to become more and

more real that I was actually doing this,” Soler says.

Until now, Soler has always lived in rental

properties, at times even relying on housing

assistance. If she was ever going to truly thrive,

she says, she needed to start building equity

and assets. and homeownership was the next

natural step.

RJ Montes, branch manager at Dupaco’s

Pennsylvania avenue branch, helped Soler with

her mortgage loan. Her determination to make

her goal a reality so quickly was nothing short

of impressive, Montes says.

“Ermina empowered herself to break that

cycle of poverty. Not only did she do this for

herself, but she’s very driven to help others

break that cycle too,” Montes says. “This

program allows people to understand that

these opportunities are possible.”

Before her involvement with MoneyMatch,

Soler says she felt like she was on a continuous

roller coaster with her savings. The program gave

her structured savings.

But there was another key to Soler’s success:

She had chosen the right goal to work toward.

There was a purpose behind the savings.

”Understanding what it is you’re saving for

and why you’re saving for it is that driving

force to hang on even when times get tough,

because you’re working toward something

bigger than the needs of today,” Soler says.

dupaco.com/foundation

MoneyMatch Helps Dubuque Woman Break Free from Poverty

MoneyMatch Helps Dubuque Woman Break Free from Poverty

MoneyMatch Helps Dubuque Woman Break Free from Poverty

Dupaco MoneyMatchTo support the MoneyMatch program, you can

contribute to the Dupaco R.W. Hoefer Foundation, a 501(c)(3) organization. The

foundation reflects the credit union’s mission of improving peoples’ financial positions and

enhancing their quality of life. Learn more and contribute at dupaco.com/foundation.

dupaco.com/about

Curious whether we can positively impact your financial future? Stop in to any branch, call us at (563) 557-7600 / 800-373-7600 or email service@dupaco.com.

With the help of the Dupaco MoneyMatch program, Ermina Soler recently purchased her first house, becoming the first homeowner in her immediate family. (J. Reilly photo)

> Learn more about Dupaco’s Mini-Mortgage on page 10

Dupaco Staff Career MilestonesDupaco Staff Career MilestonesDupaco Staff Career Milestones5-Year Employees

Becky BeschornerTraci BrestrupNick Cannavo

Libby DonovanJohn HeavensEmily Ruffini

Deb RyanMichelle Steffes

10-Year EmployeesLisa Blunk

Ben Wagner

15-Year EmployeesSarah PaulsonMelissa Roe

Lynne Willenborg

20-Year EmployeeJim Klostermann

25-Year-Plus EmployeesTheresa Abitz (25)Linda Burgess (30)

Joe Hearn (29)Rhonda Heim (25)Gregg Liddle (41)Patti Meyer (32)

FINANCIAL STRENGTHas of aug. 31, 2015

Members = 88,541

Deposits = $1.10 billion

Loans = $779 million

assets = $1.30 billion

Reserves = $194 million

Reserve Ratio = 14.54%

Dupaco FINaNcIaL ServIceS dupaco.com/invest

Representing Dupaco Financial Services are (from left): Dan Smith, CFP®; Michael Schroeder; Suzan Martin-Hallahan, CFP ®; Michael Poppen; David Andrew; and Cole Schmelzer.

Perfect Timing?Perfect Timing?Perfect Timing?By Michael Poppen

Everyone has heard of the Three Stooges. I’ll admit I am a fan. Fortunately, I’ve had the pleasure of introducing their slapstick brand of physical humor to my daughters. Obviously, Moe, Larry and Curly (we’ll add Shemp and Joe … albeit collectively) had impeccable comedic timing. The exactness to which they’d direct a nose wrenching or face slap was perfect. Unfortunately, timing is not a luxury we have when it comes to investment principles. Younger investors with a few decades until retirement should focus on the accumulation

of wealth. To do so, it is important to diver- sify, rebalance and systematically add to retirement portfolios every month. Above all else, don’t get caught in the media trap focused on short-term results. The same can be said of fixed interest rates for those who are retired. Everyone knows the Federal Reserve will raise rates at some point. However, the pace at which those will be measured is uncertain. If diversified in fixed vehicles (CDs, fixed annuities, bonds) with varying terms, one can in essence take advantage of a rising rate environment while putting idle cash to work.

And, yes, my youngest daughter is now quite adept at blocking the “double-eye poke.” Enjoy the autumn leaves. Whether seeking income, safety, growth or a combination, please contact Dupaco Financial Services at (563) 557-7600 / 800-373-7600, ext. 211.Securities offered through LPL Financial, Member FINRa/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Dupaco Community Credit Union deposits and 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 investment may fluctuate, the return on the investment is not guaranteed and loss of principal is possible. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.

1] Mallory Blondin joined Dupaco as content

development specialist at the asbury, Iowa, branch.

2] erin Bubenyak was promoted to opera-

tions assistant at the 1st avenue branch in Cedar

Rapids, Iowa.

3] Dylan Buls, branch manager, was selected

to “crash” the 2015 Iowa Credit Union Convention.

The Iowa Crasher Program is part of the efforts of

the Emerging Leaders Connection to create an

environment of opportunity and growth through

community, education and mentorship. This involves

leadership development and education that allow

crashers to network, share ideas and broaden

their knowledge of the credit union industry.

4] Lauren Fleming accepted the consumer

loan processor position at the Hillcrest branch in

Dubuque.

5] Tim Gau was promoted to IRa support

specialist at the Pennsylvania avenue branch in

Dubuque.

6] eric Gilmour was promoted to hybrid

lender at the 1st avenue and Williams branches in

Cedar Rapids, Iowa.

7] Kelly Houtakker accepted the deposit

operations representative position at the Pennsylvania

avenue branch in Dubuque.

8] Dave Keil, insurance agent, Dupaco

Insurance Services, retired at the end of august.

9] Megan Kramer joined Dupaco as

member service representative at the Hillcrest

branch in Dubuque.

10] Digger Kurt, financial data analyst, was

selected to “crash” the Credit Union National associ-

ation (CUNa) Technology and Operations, Sales &

Service conference in September. The Iowa Crasher

Program allows young credit union professionals

to attend the CUNa council conferences while

simultaneously participating in separate growth

and development opportunities during the

conference. These opportunities involve tailored

breakout sessions and workshops that allow

crashers to network and broaden their knowledge

of the credit union industry.

11] Kelly Liddle was promoted to fraud special-

ist at the Pennsylvania avenue branch in Dubuque.

12] Megan redmond was promoted to branch

manager, Covenant branch, in Waterloo, Iowa.

13] chris rogers joined Dupaco Insurance

Services as insurance agent at the Hillcrest branch

in Dubuque.

14] Deb Schroeder was promoted to

business development supervisor at the asbury,

Iowa, branch.

15] Jenna Shultz joined Dupaco as member

service representative at the Hillcrest branch in

Dubuque.

16] Sherry Yonda joined Dupaco as real estate

servicing supervisor at the asbury, Iowa, branch.

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The Ins and Outs of Retirement PlanningThe Ins and Outs of Retirement PlanningThe Ins and Outs of Retirement PlanningRetirement is not necessarily an end but a beginning. Make your investments work through retirement, not just up to it. Most people know how to save for retire-ment—the tricky part comes during retire- ment. Saving money is only half the challenge. Making it last is where First Community Trust can help. We understand both the ins and outs of retirement investing and can work with you to help create a personalized plan that fits your life. When people retire or change jobs, they are faced with the question of what to do with the money in their retirement plans. And many times they do not know all the options that exist. In most cases, you are

best served by either leaving the money in your current employer’s plan or rolling the money to an IRA, to which there are many advantages. Join us for our latest free retirement-planning seminar. Call or email Jim Liddle at (563) 690-0029 or jliddle@fctrust.com to reserve a seat.

Jim Liddle

FIrST coMMuNITY TruST

Understanding Retirement Options Before and After You Retire

Presented by Dupaco and First Community Trust

Thursday, Nov. 510–11 a.m. or 4–5 p.m.

Dupaco’s branch at 3999 Pennsylvania Ave., Dubuque, Iowa

Live outside of the Dubuque area? Dupaco and First Community Trust now offer

an on-demand estate planning webinar you can view any time at dupaco.com/trust.

FREE SEMINAR dupaco.com/trust

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SCENE IN:

2015 Representing Dupaco Insurance Services are (from left):

Keith Langan, Brad Langan, Mark Kremer, Pam Baal,

Chris Rogers, Brian Lyons, Tim Bemis and Emma Lazore.

dupaco.com/insureDupaco INSuraNce ServIceS

For Millennials, life insurance is just about the last thing on their minds. But there’s good reason for young adults to make life insurance a greater priority. “One of the biggest objections we hear from young, single people is, ‘I’m not married, and I don’t have kids. Why do I need life insurance?’” says Tim Bemis, assistant manager at Dupaco Insurance Services. “Young people can lock in a permanent policy today, and those rates will never change.” Here are four other reasons Millennials can benefit from buying life insurance now rather than later: 1. It costs less.Sure, you’re single and without kids today. But what about five or 10 years from now? It’s important to plan for the future.

“As soon as people get married, start having kids or buy a house, they start thinking about getting life insurance. But if they would have bought it five years earlier, it would have been substantially cheaper,” Bemis says. “Life insurance rates are always the lowest when you’re young and in good health.” 2. ensure your future insurability.Several health issues—from a peanut allergy to cancer—can prevent one from getting life insurance in the future. “Perhaps there’s a family history of cancer or heart disease,” Bemis says. “Getting a policy while you’re young eliminates that worry of future insurability down the road.” 3. protect your loved ones.Consider what debts—student loans or otherwise—you wouldn’t want to burden

your loved ones with. “Life insurance is never about the name on the policy,” Bemis says. “It’s about those who are left behind.” 4. Leave a legacy.Maybe you have a special connection with your alma mater, church or a good cause. Life insurance provides an avenue to leave a legacy. Request a no-cost, no-obligation insurance analysis and quote online, or contact the Dupaco Insurance Services team at (563) 557-7600 / 800-373-7600, ext. 210, or by email at insurance@ dupaco.com.

Dupaco Insurance Services is only licensed in the states of Iowa, Illinois, Wisconsinand Minnesota.

Why Life Insurance is for Young Adults, TooWhy Life Insurance is for Young Adults, TooWhy Life Insurance is for Young Adults, Too

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Can You Spot a Skimmer?Can You Spot a Skimmer?Can You Spot a Skimmer?If you withdraw money from an aTM or pay at the pump for gas, you’re at risk of a common type of fraud known as skimming. But you don’t have to be a victim. Todd Link, senior vice president, Risk Management & Remote Delivery at Dupaco Community Credit Union, explains how this type of card fraud works and what you can do to avoid it.

What it is a skimming device is a piece of equipment fraudsters attach over card readers at aTMs or self-service payment kiosks at gas pumps, parking garages and elsewhere. During the transaction, a card passes through a second card reader that illegally captures the card number. Criminals install a camera nearby

to simultaneously record the cardholder’s PIN as it’s entered. From this data, fraudsters can produce fake cards and use them to with- draw funds from cardholders’ accounts.

Spotting a skimmer Before you insert a card into any self-service payment kiosk, look at the plastic surrounding the card reader. It should look permanent and professional. You should NEVER be able to remove any cover on the card reader, and know that businesses and financial institutions do not point a micro camera toward the keyboard. “Trust your instincts, and always report strange events or observed behavior,” Link says. If you report fraud in a timely manner, you

are not held accountable for theft by either MasterCard® or VISa®. “The important lesson is to always watch your monthly statements and look for charges you do not recognize,” Link says.

Protection Connection

dupaco.com/fraud

Todd Link

Dupaco staff Kelly Ruegnitz (from left) and Aaron Plein speak with Sen. Joni Ernst (R-Iowa) at a recent Town Hall Meeting in Manchester, Iowa, to advocate on behalf of credit unions. State and federal legislation often affects the benefits you receive as a member/owner of Dupaco. Please consider supporting lawmakers who support credit unions. Your voice does make a difference.  (J. Tucker/KMCH photo)

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dupaco.com/PoliticalAction

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SCENE IN: 2015During the July 16 ribbon cutting at the Peosta, Iowa, branch, Dupaco’s Deb Schroder (right) showcases one of the branch’s innovative small group spaces withbranch manager Leslie Biver (center) and Northeast Iowa Community College President Dr. Liang Chee Wee. With its proximity to the NICC campus and the support of Wee, this newest branch, dubbed the Learning Lab, will be a resource for students to learn the elements of good money management. (M. Kuhl/Dupaco photo)

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Kids learn to handle their finances by…handling

their finances. and Dupaco Community Credit

Union’s free checking can help parents teach

their teenagers real-world money lessons.

“We structure it so we can give the teen the

feeling of independence, with the comfort of

Mom and Dad there as a safety net,” says Tami

Rechtenbach, vice president of member

services at Dupaco.

With a parent or legal guardian as a joint

owner, minors can open a Dupaco free checking

account that offers:

Free debit/aTM card for both the teen

and parent.

Free Shine online and Mobile Banking.

The family can track balances, run spending

reports and even deposit checks by taking a

photo of them.

Free account notifications. “Setting up

alerts on Mom’s or Dad’s phone in case the

account goes negative offers parents peace

of mind and is a tool to help teens learn to

balance and keep track of their spending,”

Rechtenbach says.

checks. Though not required, checks can be

purchased and printed with just the minor’s name.

amy Wickham, assistant vice president,

marketing communications at Dupaco, opened

free checking accounts for her daughters when

they were in middle school.

“Giving them their own debit cards not only

allowed them to retrieve some of the money in

their checking accounts that we had set aside

as ‘spendable,’ but it also gave me a way to

transfer money to them from my account if I

forgot to send money with them for school or

other necessities,” Wickham says.

It’s important for parents to remain involved in

the financial-education process. When Wickham

spots potentially problematic spending patterns

on Shine Online Banking, she offers her daughters

some cautionary advice. and the lessons appear

to be paying off.

“When they have ownership and control

over their money, they quickly learn that there

is an imbalance as to how fast it is earned

versus how fast it is spent,” Wickham says.

To learn more, contact Dupaco’s Member

Services Department at (563) 557-7600 /

800-373-7600, ext. 206, email service@

dupaco.com or visit dupaco.com/checking.

Dupaco’s Free Checking Teaches Teens Real-World LessonsDupaco’s Free Checking Teaches Teens Real-World LessonsDupaco’s Free Checking Teaches Teens Real-World Lessons dupaco.com/checking

a credit score is a powerful number. Your ability

to obtain financing, rent an apartment or even

get a job can all depend on that number.

But here’s the catch-22: It’s really hard to

get credit if you have no credit score.

That’s where your financial cooperative

comes in. Dupaco Community Credit Union

created a Credit Coach Loan—a low-interest,

short-term, share-secured loan—to help its

members establish or rebuild damaged credit.

Helping its members get on the path to a

brighter financial future—that’s the Dupaco

difference.

“If you tried to re-establish credit by opening

a bank-financed credit card, the interest rate

would be much higher and typically have fees

to open it,” says Dupaco’s Jill Rothenberger,

vice president, Consumer Lending.

With a Credit Coach Loan, money that is

borrowed (up to $1,500) is secured in the

member’s savings account for the term of the

loan (up to 12 months). The member earns

interest dividends on the money held in savings

while payments to the loan help build credit.

Throughout the term of the loan, the

member benefits from one-on-one access to

a Dupaco credit coach, receiving free credit-

report reviews and financial education.

“Many times, if the member does not qualify

for an auto loan, we recommend a Credit Coach

Loan and set the payment at the amount

they state they can afford,” Rothenberger

says. “after the loan is paid in full, the

member has a down payment to purchase

the car and has shown a history of the

budgeted monthly payment.”

anyone with proof of income and direct

deposit will qualify for a Credit Coach Loan.

But to get the most out of the experience,

Rothenberger says it’s important to:

Follow the advice of your credit coach;

Make your loan payments on time; and

Follow up with Dupaco when the loan is

paid in full to determine the next steps in

rebuilding or establishing your credit.

To learn more about the Credit Coach

Loan program, contact Dupaco’s Consumer

Loan Department at (563) 557-7600 /

800-373-7600, ext. 202

or by email at

loans@dupaco.com.

dupaco.com/loans

4. 9. 16.9 0 0Promotional APR as low as

based on creditworthiness.*

for six months!After that, the APR

will be a low

*The 4.90% promotional rate is valid for credit purchases and cash advances made between 11/2/15 and 12/31/15. The 4.90% annual percentage rate (aPR) expires six months from the date of your first credit purchase or cash advance, at which time the aPR will revert back to the aPR established at time of account opening, which is a variable rate from 9.00% to 16.00%, based on your creditworthiness. account must be in good standing to qualify. all VISa aPRs will vary with the market based on the Prime Rate. There is a grace period before interest is charged on purchases, and no annual fees or participation fees. Other fees include: cash advance fee—$3 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee—1.00% of each transaction in U.S. dollars; late payment fee—up to $15 or the minimum due, whichever is less if you are four or more days late; returned payment fee—up to $25.

A gift for the holidays. And every other day.

Helps Members Build CreditHelps Members Build CreditHelps Members Build Credit

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Geared towards college-bound students and their families, experts

from the Iowa College Access Network and Dupaco will provide

valuable information on available resources to help cover the costs of a

college education. Topics to be discussed include:

•Overview of the financial-aid process

• Types of assistance available

•Deadlines and helpful tips

•Completion of the Free Application for Federal Student Aid (FAFSA)

• Scholarships and scams

• Resources for help

Whether you’re a newcomer to the financial-aid process or have

applied for financial assistance in the past, this is one opportunity for

extra credit you can’t afford to miss. Get educated on how to finance

your or your child’s college education by attending this free seminar!

And, should the need arise, Dupaco can help you cover any gaps

in college funding. Our Extra Credit Student Loan is a private loan,

available after you’ve exhausted all scholarship, grant, and federal- and

state-aid options. For more information visit dupaco.com/studentloan.

dupaco.com/seminars

FREE SEMINARJill Rothenberger

Dupaco’s branch at 3999 pennsylvania avenue, Dubuque, IowarSvp: at dupaco.com/seminars or (563) 557-7600, ext. 202

Ben Wagner

12345

Pennsylvania Ave.

Asbury

Sycamore St.

Key West

Hillcrest Rd.

3999 Pennsylvania Ave. | Dubuque, IAPhone: (563) 557-7600, ext. 791

5865 Saratoga Rd. | Asbury, IAPhone: (563) 557-7600, ext. 75

1465 Sycamore St. | Dubuque, IAPhone: (563) 557-7600, ext. 76

2245 Flint Hill Dr. | Dubuque, IAPhone: (563) 557-7600, ext. 71

3299 Hillcrest Rd. | Dubuque, IAPhone: (563) 557-7600, ext. 70

71381491510

161117

612

1819

Williams Blvd. SW

Carroll4th Ave. SE

DyersvilleW. Mullan Ave.

GalenaInside Covenant Medical

Manchester

Inside HyVee

Inside Waterloo Walmart

Platteville

Peosta Learning Lab

First Ave.

Cedar Falls3131 Williams Blvd. SW | Cedar Rapids, IAPhone: (319) 366-8231, ext. 78

503 W. Hwy. 30 | Carroll, IAPhone: (712) 792-1735, ext. 806

501 4th Ave. SE | Cedar Rapids, IAPhone: (319) 364-0291, ext. 805

807 9th St. SE | Dyersville, IAPhone: (563) 875-2795, ext. 74

218 W. Mullan Ave. | Waterloo, IAPhone: (319) 235-0381, ext. 804

11375 Oldenburg Ln. | Galena, ILPhone: (815) 777-1800, ext. 72

3421 W. 9th St. | Waterloo, IAPhone: (319) 272-5020, ext. 803

1200 W. Main St. | Manchester, IAPhone: (563) 927-6187, ext. 77

400 S. Locust St. | Dubuque, IAPhone: (563) 557-7600, ext. 790

1334 Flammang Dr. | Waterloo, IAPhone: (319) 234-0381, ext. 802

1100 E. Business Hwy. 151 | Platteville, WIPhone: (608) 348-4499, ext. 73

185 Peosta St. | Peosta, IAPhone: (563) 582-2805, ext. 793

110 35th Street Dr. SE | Cedar Rapids, IAPhone: (319) 366-8231, ext. 792

3301 Cedar Heights Dr. | Cedar Falls, IAPhone: (319) 277-3940, ext. 801

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COMMUNITY CALENDAR

19 Branch Locations To Serve You

20152015 If you have any questions on Community Calendar information, contact Amy Wickham, Assistant Vice President, Marketing Commu-nications, at (563) 557-7600, ext. 2235, or awickham@dupaco.com

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Content with his mortgage payments, one Dupaco member had never thought of refinancing his mortgage. Then Dupaco’s Ben Wagner introduced the member to the credit union’s Mini-Mortgage, a low-interest-rate loan that helps members shrink their mortgage terms. By refinancing into a Mini-Mortgage, the member could drop his interest rate by 1.25 percent, save about $7,400 in interest (after he paid $200 in closing costs) and pay off his mortgage seven months sooner. The whole refinancing process would take no more than two weeks. It was an offer the member couldn’t refuse. “People are busy, and this member thought he didn’t need to bother with refinancing,” says Wagner, relationship development specialist at

Dupaco’s Pennsylvania avenue branch. “But with those savings, we’re really able to help put our members into better financial positions.” It’s one more way Dupaco helps its members get–and stay–money ahead. Wagner refers to the Mini-Mortgage as a “rate-reduction strategy” for members who are trying to get their homes paid off in 10 years or less. The Mini-Mortgage features a low annual percentage rate, especially when combined with cooperative discounts based on member account relationships. Closing costs are minimal because an appraisal is not required. and the Mini-Mortgage refinance process takes about two weeks, compared to about 60 days for a conventional refinance. “The process is much simpler, faster and

easier, and people really like that,” Wagner says. Dupaco does not escrow with the Mini-Mortgage, but the credit union will set up a You-Name-It Savings account and debit the escrow amount automatically for members. To ensure you’re saving more and paying less on your home loan, contact Dupaco to request a no-cost, no-obligation Mortgage Makeover at (563) 557-7600 / 800-373-7600, ext. 202.

Dupaco’s Mini-Mortgage Offers Big SavingsDupaco’s Mini-Mortgage Offers Big SavingsDupaco’s Mini-Mortgage Offers Big Savings

During a visit to Hirschbach Motors in East Dubuque, Ill., Dupaco’s Nancy Laugesen offers credit union services to employee Delrico Curry. Not only does Dupaco offer financial coaching and account services in our branches, but we also take it on the road, providing this no-cost financial-education benefit to area employers.

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bloomsburyfarm.com

Credit union members around the world will celebrate International Credit Union Day, an annual event to commemorate the credit union difference, on Thursday, Oct. 15. In honor of this special day, Dupaco Community Credit Union invites its members to its branch locations for cookies. This year’s theme, “People Helping People,” embraces the long-standing credit union philosophy. ICU Day is sponsored by the World Council of Credit Unions, the international trade association and development agency for credit unions, as well as numerous national credit union trade associations and federations around the world.

Supporting the most contested hockey trophy in Iowa? Check! Dupaco is excited to partner with United States Hockey League teams Dubuque Fighting Saints, Cedar Rapids RoughRiders and Waterloo Black Hawks as the title sponsor for the Cowbell Cup. This fan favorite brings extra excitement as the three teams compete in the series, which will include 12 games for each of the three participating teams. Visit www.ushl.com for information about the league and links to each team’s website.

Family Fun at

Dupaco has teamed up with Bloomsbury Farm to offer DoPack members FREE admission to the farm with the purchase of an adult ticket at regular price—a savings of up to $12! Bloomsbury Farm is family owned and features multiple mazes (including a 10-acre corn maze), hayrack rides, straw tunnel, corn box, pumpkin patch, haunted barn and so much more! Located in atkins, Iowa, just west of Cedar Rapids. DoPack members can pick up a coupon for free admission at select Dupaco locations* through Oct. 31.

*Free coupon available at dupaco.com/ DoPack and at the following Dupaco branches: Cedar Rapids, Dubuque, Cedar Falls, Waterloo, Dyersville and Manchester, Iowa.

Halloween Benefit

MovieKaT-FM, Dupaco and aMC Star Dubuque 14 are again

teaming up for the annual Halloween Benefit Movie. Join us

Saturday, Oct. 31, for “The Lego Movie” (rated PG). Kids will receive a reusable trick-or-treat bag with goodies after the show! and, it’s Halloween, so wear your costume for extra fun and a chance to win prizes. Show times are 9 a.m. and 11 a.m. at aMC Star Dubuque 14, 2835 Northwest arterial, in Dubuque. Doors open 30 minutes before each show. Tickets are just $1

and are available at the following Dupaco locations only: Hillcrest at JFK Road in Dubuque; Oldenburg

Lane in Galena, Ill.; Peosta Street in Peosta, Iowa, and 9th Street SE in Dyersville, Iowa. Tickets will not be sold

at aMC Star Dubuque 14, and will not be sold at the door on the day of the event. Tickets are limited to six per purchaser. Don’t delay buying tickets, as they are expected to sell out! This year’s ticket sales will benefit the Dubuque Bike Coop, a nonprofit organization whose mission is to build community by utilizing bicycles to promote wellness and environmental sustainability.

Townsquare Media, Operation: New View – Community action agency, and Courtesy Cleaners & Coin Laundry have again teamed with Dupaco Community Credit Union to help families in need. Drop off usable children’s coats, hats and mittens at any Dupaco location through Friday, Oct. 16. all items collected will be dry-cleaned compliments of Courtesy Cleaners, and distributed to needy tri-state-area families by Operation: New View. Distribution will take place at St. John’s Lutheran Church, located at 12th and White streets in Dubuque, on Wednesday, Oct. 28, from 9 a.m. to 2 p.m. and 5 to 7 p.m., and again on Thursday, Oct. 29, from 9 a.m. to 2 p.m.

H O L I D A Y H O U R SWednesday, Nov. 11, 2015: Veterans DayIn-store Hy-Vee branch, Dubuque, open 9 a.m.–7 p.m. CST. All other branches are closed

Thursday, Nov. 26, 2015: Thanksgiving DayAll branches are closed

Thursday, Dec. 24, 2015: Christmas EveBranches close at 12:30 p.m. CST. In-store Hy-Vee branch, Dubuque, closes at 2:30 p.m. CST

Friday, Dec. 25, 2015: Christmas DayAll branches are closed

Thursday, Dec. 31, 2015: New Year’s EveAll branches close at 4 p.m. CST

Friday, Jan. 1, 2016: New Year’s DayAll branches are closed

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