SCENE IN: 2019 Dupaco’s Becky Beschorner announces that each student will get a Dupaco piggy bank during a financial literacy lesson Oct. 9 at Tri-County Head Start in Waterloo, . “It starts with me!” will teach 200 Head Start children about money and help them save—thanks to an Dupaco continues to work endeavor between Dupaco, Tri-County Child and Family Development Council and the CUNA 2019 HIGHLIGHTS Mutual Group Foundation. (M. Blondin/Dupaco photo) ranked Dupaco top-rated Forbes credit union in Iowa in your best interest Owner’s Manual is a publication of Dupaco Community Credit Union. Dupaco, the Dupaco logo, Thank Use, Great Credit Race, Shine Online Banking and Shine Mobile Report from the President & CEO – Joe Hearn Banking are registered trademarks of Dupaco Community Credit Union. All rights reserved. named Dupaco recipient of Raddon Crystal Performance Award P.O. Box 179, Dubuque, IA 52004-0179 Credit unions were created to fulfill members how using the right tools reason they joined Dupaco in the (563) 557-7600 / 800-373-7600 dupaco.com a public purpose: can improve their financial positions. first place. Des Moines Register Provide a source of credit at a fair The six-month competition ranked Dupaco Top Workplace in Iowa SAVE BORROW INVEST INSURE TRUST and reasonable rate of interest. provided an opportunity for the It is our honor and privilege Received the Dubuque Area Chamber of Commerce’s Encourage habits of thrift among 12 racers, and their observers, to to serve you. Economic Impact Award its members. gain a better understanding of Provide an opportunity for its how credit works and how it Launched Savings members to use and control their impacts every stage of life. Joe Hearn NEW Goal tool money on a democratic basis to While this competition boasted President and CEO improve their economic and only one lucky winner, everyone Staff more than in member social conditions. came out ahead, learning how to vigilance $2.6 fraud losses prevented million as of Dec. 17 Dupaco continues to pursue and build their credit to gain access to fulfill this mission to serve and enrich better rates in the future. Learn more more than the lives of our members through a at dupaco.com/GreatCreditRace. Celebrated Thank $3.6 Use payout of million variety of tools and services: Fraud protection Reaching your goals Protect yourself from fraud with 4,769 kids participated in Thank Use through new We recently created a Savings tools like Dupaco’s free eNotifiers, NEW category called Boost Goal tool within Shine Online and Bright Track credit monitoring and Mobile Banking. This tool, designed Card Security, which allows you to Provided credit education to 12 racers during the Great Credit Race to help save for future expenses, quickly disable your Dupaco cards WINTER provides a customizable plan to if they’re lost, stolen or compromised. help you reach your goals. What Learn more about Dupaco’s Awarded $32,000 in student scholarships are you saving for? fraud-protection tools at through the Dupaco R.W. Hoefer Foundation If your goal is homeownership, dupaco.com/protection.

our Mortgage Tracker tool helps With better rates, fewer fees and SCENE IN: 2019

2 Launched interactive touch-

0 screen experience at NewBo City you monitor the progress of your Dupaco-exclusive perks like Thank Fountain of Youth Program President Caprice Jones (left) 20 NEW Market in Cedar Rapids, Iowa and Dupaco President and CEO Joe Hearn support the mortgage or refinancing process. Use, please know that we continually credit union’s partner organization event Soul Food Revamped Credit coaching work hard and advocate in your best Sunday on Oct. 20 at the Dubuque County Fairgrounds NEW dupaco.com Dupaco’s Great Credit Race showed interest. Members tell us that’s the in Dubuque, Iowa. (M. Becwar/Dupaco photo)

dupaco.com/about How to participate in 71st Annual Membership Meeting PEOSTA, Iowa—You’re invited to the 71st Annual these candidates: Denise Dolan*, Andy Schroeder* Dupaco Membership Meeting on Sunday, March 1, and Bob Wethal*. at the Peosta Community Centre in Peosta. State regulations require members to vote The meeting begins at 1 p.m. and will be by paper ballot for credit union board elections. followed by refreshments, music and a sandwich Registration forms and paper ballots will be luncheon. Door prizes will be awarded. available at the meeting. PAGE | | 1 Dupaco continues to work in your best interest The meeting is the official forum for annual Tickets for the meal are $1 per member and must be PAGE | 2 | Your Dupaco membership pays Dupaco board elections. A call for board candidate purchased in advance at any credit union location. applications was published in the Summer 2019 Can’t attend? Follow @Dupaco on Twitter for PAGE | 4 | 20 scholarships to be awarded Owner’s Manual newsletter and on Dupaco’s live updates. SCENE IN: 2019 PAGE website. After a thorough evaluation and interview *Incumbents. | 8 | Is the IRS really calling you? Dupaco board member Andy Schroeder hands out prizes to dupaco.com/about process, the nominating committee will present attendees at the 70th Annual Meeting of the Membership on Feb. 24 PAGE | 9 | How to create a successful budget for a new year at the Peosta (Iowa) Community Centre. (M. Jungers/Dupaco photo) WINTER | 1 Your Dupaco membership pays At a cooperative like Dupaco, you’re not just a member, you’re an owner. Active participation powers What are you your credit union—and you share in the success. The more you use Dupaco, the more you’re thanked with participation dividends. An active checking account indicates your commitment and is the key to unlocking your Thank Use. As Thank Use enters its fifth year, how much will you earn in 2020? saving for? Maybe you’d like to buy a new car. Take a Ready to save for the things that matter Holiday Club: Save year-round for holiday family vacation within the next year. Or most to you? Dupaco offers several tools gift purchases, and receive your funds in time Build your savings Earn up to $60 Use our financial and Earn 5 cents every It’s all about avoiding Earn up to $20 as Start a new Together, participants Exclusively for purchase a house. to help you do just that, automatically and for holiday spending. and earn up for interest paid insurance services and time you pay with fraud. Take the quiz. a returning Thank savings plan and can earn $30 more by members under 18. to $100. on your loans. earn up to $40. your Dupaco card. Use the tools. Earn Use participant. earn up to $15. saving with purpose. Make five savings Whatever your hopes and dreams are, systematically: Launchpad: This retirement savings account up to $20. deposits of at least $5 naming them—and specifically saving for You-Name-It Savings accounts: Create each and earn $25. can help you prepare to open an Individual To participate in Thank Use, you must be eligible for Dupaco membership and meet Thank Use requirements. See details at dupaco.com/ThankUse. them—can help you reach your goals. as many separate savings accounts as you’d Retirement Account. Here’s why: When you save without a like—for expenses, projects, purchases … Direct deposit: Send a portion of your purpose, it’s easier to overspend or dip into you name it! paycheck directly to your savings accounts your savings for other expenses. But when you Savings Goal: Use Savings Goal, located with direct deposit. Winner shares her credit-building secrets set money aside for your goals, you begin to within Shine Online and Mobile Banking, Automatic transfers: Set up automatic We have a winner in Dupaco’s Great Credit Race! The six-month battle to visualize what you’re working toward and stay to create a customized plan to reach your transfers between your checking account and build credit ended with Emily in first place with a credit score of 725. motivated to reach them. You-Name-It Savings goals. Learn how to savings accounts. dupaco.com/save For her efforts, she won $1,000. Second-place finishers Chuck and get started below. Sophia both raised their scores to 721 and received $500 each. All 12 racers received a Dupaco Visa credit card and one-on-one credit and budget coaching. “Whether you’re brand new to credit or have had some bumps in HOW TO the road, the race shows that you can do it, too, and we’re here to Start a Savings Goal dupaco.com/SaveForGoals help,” said Dupaco’s Noah Kachelski, who coached the winner. Trying to save for a specific goal? Use Savings Goal Name the Savings Select a new Optional: Select an Emily credits two credit-building strategies for giving her the edge: within Shine Online and Mobile Banking to create a Goal, set the amount or existing auto-transfer option • Charge only what you can afford to pay back. customized plan to help you reach your goals. Set up needed to complete You-Name-It for your Savings Goal. • Pay off your credit card balance as soon as it posts in Shine. the feature in Shine by going to the account summary your goal and set a Savings account She charged anywhere from $5 to $50 each month, using her Visa page and clicking the green plus sign. completion date. to use. card to pay for purchases she already planned to make. SCENE IN: 2019 1 2 3 Emily, first-place winner of the Dupaco Great Credit Race, visits with her race coach, Noah Kachelski, “I’m going to keep using my credit card the same way since it’s at the Pennsylvania Avenue branch in Dubuque, Iowa. been working for me so far,” she said. (M. Blondin/Dupaco photo) dupaco.com/GreatCreditRace You can still save for retirement and health expenses

Sure, 2019 is over. But there’s still time to reach last With an HSA, you might be eligible to make year’s savings goals: tax-deductible contributions, earn tax-free dividends Members smash holiday savings record * Eligible individuals can make contributions to a and withdraw money tax-free for qualified medical MORE THAN Traditional or Roth Individual Retirement Account and expenses. Health Savings Account for 2019 until April 15, 2020. To learn more, call Dupaco’s IRA experts at $5.2 million $280,000 $1,003 5,193 311 Oct. 30 1954 IRA contributions for the 2019 tax year are limited 800-373-7600, ext. 218, or email [email protected]. dupaco.com/ira Total saved by members Increase from the Average saved Number of Number of additional Day the accumulated savings, Year Dupaco’s to $6,000, or $7,000 if you’re 50 or older. in their Holiday Club previous year’s by members members with a members with a plus interest, were automatically Holiday Club * You could receive a deduction for Traditional Contact your tax advisor to verify eligibility and contribution limits. accounts savings total 2019 Holiday Holiday Club account transferred to participants’ check- started Club account over the previous year ing or share savings accounts contributions or a tax credit for Roth contributions.

Start saving now for the next holiday season; open your account at dupaco.com/save. 2 | WINTER WINTER | 3 SCENE IN: 2019 Dupaco members Jane and David Parker, of Anamosa, Iowa, 20 scholarships plan to use their Thank Use participation dividend toward their son’s wedding. FINANCIAL STRENGTH Avoid college to be awarded (T. Freese/Dupaco photo) As of Nov. 30, 2019 Getting ready to start your college dupaco.com/ThankUse Members: 124,557 journey? Dupaco will award 20 Deposits: $1.53 billion application scams dupaco.com/fraud nonrenewable scholarships totaling Loans: $1.27 billion $40,000 for the 2020–21 academic Assets: $1.89 billion year. Reserves: $294 million with these tips The scholarships, funded by the Reserve Ratio: 15.6% If you’re the parent of a college-bound student, personal information, research the company Dupaco R.W. Hoefer Foundation, you’ve likely started to wade through financial aid online. Search for its name plus the word will help: options with your child. “scam” or “complaint,” and read about others’ 10 first-time, full-time incoming As you prepare for their college journey, watch experiences. students who will attend an for scams targeting students: Charge fee for FAFSA accredited four-year college or Is leasing or buying a car right for you? Notes Bearing Interest College test prep material “offer” Many websites look like the Free Application To lease or to buy? Choosing how to acquire your vehicle will impact not only your Scammers might contact you claiming to be from for Federal Student Aid’s website, except you’re university for an undergraduate finances but your lifestyle. Understanding how leasing and buying a new car differ can Brenda Atkinson, IRA specialist; Mara Coomes, member service representative II; Tara Ernst, fraud services representative; and Lisa the College Board, which is responsible for PSAT charged a fee to complete the application. Never degree. help you decide which is the right fit for you. Still unsure? You can contact a Dupaco expert for guidance by calling 800-373-7600. Mueller, contact center quality assurance specialist, completed the Dale and SAT tests. pay the fee. The legitimate application is free. 10 first-time, incoming students Carnegie Effective Communications & Human Relations training course. “They call or email you, asking for credit card You can visit the FAFSA website at who will attend an accredited LEASING BUYING Mueller was awarded the Human Relations Award, and Coomes received numbers so they can send PSAT prep materials studentaid.ed.gov/sa/fafsa. the Highest Achievement Award. community college, trade school Ownership You don’t own the vehicle. You pay to use You own the vehicle free and clear after that the student has supposedly requested,” Guaranteed scholarship or financial aid it during the term of the lease and return it your financial obligations are met. It will Claire Cook, senior deposit operations representative, received her according to the Federal Trade Commission. Legitimate companies won’t guarantee or technical college for a degree at the end—unless you then opt to purchase be yours to keep, sell or trade in for your Accredited Automated Clearing House Professional certification. it. A lease typically lasts half the duration next vehicle. Michelle Damme, member service representative II, was awarded The FTC and the College Board warn: scholarship money or financial aid. or certificate program. of a car loan. If you then buy the vehicle, the Dupaco Donald R. Meyers Advocacy Award and earned a scholarship Know that the College Board never asks you Charge a fee for scholarships you might incur expenses beyond the For more information, go to purchase price. to participate in the Credit Union National Association Government to give credit card, bank account or password Avoid applying for scholarships that charge an Affairs Conference Feb. 23–27 in Washington, D.C. dupaco.com/scholarships. information over the phone or via email. application fee or a redemption fee. Joe Hearn, president and CEO, was inducted into the Credit Union Before you give up your money or your Depreciation A typical vehicle is worth about half its A new car will depreciate an average of Executive Society Hall of Fame at the society’s CEO/Executive Team Network. original sale price after four or five years. $3,400 per year during the financing term. This decline is what you’re paying for The Hall of Fame recognizes a lifetime of achievement and dedication to when you lease a vehicle. the credit union movement. RJ Montes, vice president, regional branch services, and Dupaco SCENE IN: 2019 board member Andy Schroeder were named 2019 Rising Stars by Payments Because you’re not buying the whole Monthly loan payments are higher, the Dubuque, Iowa, Telegraph Herald. They were among 12 local young Key City Creative Center owner car, monthly payments are generally because you’re paying for the Tim Hitzler (left) gives Matthew 30–60% lower. entire purchase price while also professionals honored in the Dubuque community. Kane, of Dyersville, Iowa, and building equity. Stacy Rissman, mortgage lending consultant, was selected to Samantha Schultz, of Dubuque, “crash” the Iowa Mortgage Association Conference. The program allows Iowa, a tour of the Dubuque facility. crashers to network, share ideas and broaden their knowledge of the Kane and Schultz were awarded Mileage The typical mileage limit is 10,000 miles Mileage limits are not a problem—it’s mortgage industry. memberships to the center to per year. But most people drive at least your car. But as you put more miles develop skills and training, thanks 15,000 miles annually. The terms of your on it, the resale value decreases. lease will usually charge between 15 and to a partnership between the 30 cents for every mile you go over the Dupaco R.W. Hoefer Foundation, limit per year. Dupaco and the makerspace. Staff Updates (E.Kress/Dupaco photo) Jill Kunde was appointed member service representative at the Maintenance Repairs and maintenance are usually You’re responsible for maintenance costs, covered in the lease, which can save which will rise as your vehicle ages. Manchester, Iowa, branch. you up to $1,200 a year. Since you’re There are no charges for vehicle wear Jennifer Olmsted joined as a member service representative II borrowing the car, excessive wear and tear, but excessive wear will lower and tear might cost you at the end your vehicle’s trade-in or resale value. at the Marion, Iowa, Learning Lab. of your lease. dupaco.com/loans Sarah Tadych was appointed member service representative at the Williams Boulevard branch in Cedar Rapids, Iowa. DID YOU KNOW? Andrea Vogel was appointed member service representative II For the latest new hires, promotions and transfers throughout at the Williams Boulevard branch. 4 | WINTER the organization, go to dupaco.com/StaffUpdates. WINTER | 5 COMMUNITY CALENDAR

Midwest Bus Trips Saturday, March 21 Member Discount Friends of KUNI Receive a $15 discount Sundays, Jan. 26 & Feb. 23 present Kevin when booking any Midwest Morby Bus Trips excursion valued Chestnut Mountain LOCATION: Electric Park Ballroom, at more than $100 online Ski Days Waterloo and using the discount code: LOCATION: Chestnut Mountain TIME: Doors open at 5:30 p.m.; Be on the lookout for additional events DUPACO (case sensitive). Resort, Galena, Ill. Now through May 31 music begins at 7 p.m. by checking Dupaco’s Member Events TIME: Noon–9 p.m. Sponsored by Dupaco, and Discounts web page. Waterloo Grout With coupon available at the Friends of KHKE/KUNI Museum Free Dupaco, members can get present singer-songwriter facebook.com/dupaco CEDAR RAPIDS, Iowa—Tired of renting, Ryan a lift ticket for $25 ($35 Kevin Morby in concert. twitter.com/dupaco Bubenyak and Heather Staton dreamed of buying Admission savings) or a lift ticket, Proceeds benefit Iowa Public LOCATION: their first house. They wanted a home they could call Grout Museum District, lesson and rental for only Radio. Tickets are available for If you have any questions on Community Waterloo, Iowa $35 ($80 savings). Coupon is $25 and can be purchased at Calendar information, contact Dupaco their own. But homeownership was always out of their reach. at 800-373-7600, ext. 0. First Sunday of each month Receive free admission for required and can be printed NationalCattleCongress.com. two adults and all dependent at dupaco.com/events. A “We had been renting for what seemed like forever,” account. After two years of saving—and receiving matching funds Creative Adventure children to all of the museums limited number of printed Bubenyak said. “We knew what we had to do, but we’d never been from the Foundation—they were ready to buy their first house. Lab Free Admission in the Grout Museum District. tickets are available at very good at it.” LOCATION: Creative Adventure Lab, Must show proof of member- Dupaco’s branches in They did so in September. ship by presenting your Dubuque, Peosta and When the couple moved to Cedar Rapids and joined Dupaco about Dubuque “Honestly, without MoneyMatch, we probably wouldn’t have been Get free admission to the Dupaco debit or credit card Dyersville, Iowa; Galena; two years ago, they learned an encouraging lesson: Homeownership DUPACO NIGHTS able to buy a house yet,” Bubenyak said. “The credit union has done Discovery Lab the first Sunday or check. and Platteville, Wis. was possible—and sooner than they imagined. of every month when you Sunday, March 1 a ton for us that I never thought they’d be able to do, especially with Bubenyak and Staton turned to their new credit union for present proof of membership. the MoneyMatch. With any service we use, they help as much as Admission includes one-story guidance. Dupaco’s Erin Douglass, who is Bubenyak’s sister, they can.” bouldering on the rock wall; had them start by creating a budget to help them brush up on all other programs/features bill management. are available for an extra Douglass helped the couple create multiple You-Name-It Savings charge. Curious whether we can positively impact your financial future? Stop in accounts so they could automatically and systematically set aside Friday, RoughRiders @ BlackHawks to any branch, call us at 800-373-7600 or email [email protected]. FEB. 14 money for their expenses and saving goals. They Saturday–Monday, Jan. 18–20 71st Annual Dupaco LOCATION: Young Arena, Waterloo | TIME: 7:05 p.m. Ice Fest Meeting of the Receive a special Dupaco Cowbell Cup ticket price of $10 created an account for rent and utilities, one for for any White or Blue Zone seat when you purchase tickets daycare expenses and another for student loans. LOCATION: National Mississippi Membership at shopwaterlooblackhawks.com/product/dupaconight Third weekend of each month, River Museum & Aquarium, Dubuque “I’ve never been a very good budgeter per se, and LOCATION: Peosta Community (use case-sensitive password: dupaco20). There’s no limit now through April Sponsored by Dupaco, the Centre, Peosta to the number of tickets purchased. Children ages 3 and it has helped tremendously to be able to separate National younger who don’t need a seat don’t need a ticket. Dupaco Days at TIME: Begins at 1 p.m. Museum & Aquarium’s our bills into different accounts,” Bubenyak said. You’re invited to your credit Contact Allison Longnecker at (319) 296-7583 or at the River Museum annual Ice Fest includes [email protected] with questions. Once the couple got a handle on their budget, union’s annual meeting. LOCATION: National Mississippi IPTV Kids Club’s Dan Tickets for the meal must be Douglass told them about a unique partnership River Museum & Aquarium, Dubuque Wardell and a featured Friday, RoughRiders @ Fighting Saints purchased for $1 in advance MAR. 20 opportunity to help them save for their down payment. Receive 35% off general character, snow and ice LOCATION: Mystique Community Ice Center, Dubuque | TIME: 7:05 p.m. and are available at all admission when you show sculptures, ice harvesting Pay a special Cowbell Cup price of $8/ticket at dubuque Through the credit union’s MoneyMatch program, Dupaco branches beginning proof of membership (Dupaco and crafts. Entry to Ice Fest fightingsaints.com/GroupTickets with the password: Jan. 20. Business meeting the savings of a participant are matched by a grant debit or credit card or check). is included with general Cowbell. Deadline is March 16. Limit eight tickets. begins at 1 p.m., with sand- The museum offers several admission. Receive a special Online orders include a $1/ticket processing fee. Ages 3 from the Dupaco RW Hoefer Foundation. The wich luncheon to follow. daily activities, including price on general admission and younger who don’t need a seat don’t need a ticket. program helps participants purchase a wealth- touch tanks, live animal Call Casey Weitz at (563) 587-2213 with questions. of $10.50 for adults and $8 building asset, such as a home. encounters and feedings. for children when you show Saturday, Fighting Saints @ RoughRiders Once again, the couple saved automatically and For more information, visit proof of membership (Dupaco MAR. 21 LOCATION: The Stable, Cedar Rapids, Iowa | TIME: 7:05 p.m. rivermuseum.com. debit or credit card or check). systematically, with a predetermined amount coming SCENE IN: 2019 Receive a special Cowbell Cup discount of $3.76 off/ticket Dupaco members Heather Staton and Ryan Bubenyak play a game with their son, Declan, Tickets can be purchased at out of every paycheck to fund their MoneyMatch when purchasing in person at the gate by presenting your at their new home in Cedar Rapids, Iowa. (B. Kaplan photo) the door. Dupaco credit or debit card or check as proof of membership, or by calling (319) 261-GOAL (4625) and asking for the Dupaco discount. 6 | WINTER CR WINTER | 7 DON’T FORGET Is the IRS really dupaco.com/insure Have you moved? Are you driving Understand your brakes. Do you have Changed phone regular or antilock brakes? With regular calling you? brakes, you need to pump them to avoid numbers? losing control of your vehicle. With antilock PROTECTION CONNECTION dupaco.com/fraud safely this winter? brakes, you need to push down the pedal and Don’t forget to update your contact By Tim Bemis | Insurance services manager to slow down—especially when roads are slick. hold it (even if it makes an unsettling sound). Have you received a phone call from a forceful, Insist you use a specific payment method for information on file at Dupaco. We’re partway through another winter. Avoid tailgating. When it’s slippery, stay at Watch for tire spray. Watch for vehicles pre- intimidating “IRS agent”? Fraudsters often tax obligations. If the contact information we It’s easy to become complacent about snow least eight to 10 seconds behind the vehicle in paring to pass you so you can turn on your wipers impersonate Internal Revenue Service agents to Request immediate payment over the phone. and slush. But it’s important to always respect front of you. in advance to help keep your windshield clear. try to collect your financial details—and money. Take enforcement action immediately have for you is out of date, we the weather conditions and drive responsibly. Be cautious on bridges. Bridges and over- Stay in your happy place. Don’t weave in and It’s the No. 1 scam being following a conversation. reported to the Federal Trade Your caller ID might even might not be able to relay Not only can this help save lives, but it can save passes freeze first. out of traffic. Only change lanes when it’s practical Commission. During the first show the real Social Security important account-related you money. Responsible driving reduces traffic Know the limits of four-wheel drive. Four- to do so—and well ahead of your exit or turn. half of 2019 alone, people filed Administration’s phone number. collisions, in turn reducing auto insurance claims. wheel drive will help you start moving at an inter- Stay safe during a collision. If you’re involved information to you, and it could nearly 73,000 reports about Don’t be tricked—scammers can The fewer claims, the less everyone pays for coverage. section. But it’s four-wheel drive, not four-wheel in a collision, stay in your vehicle. If you must exit, Social Security impostors, fake their phone numbers, too. affect your ability to activate your Are you following these winter-safe driving habits? stop—it won’t help you slow down on ice. do so on the curb or shoulder side. Depending according to the FTC. If you get one of Dupaco credit and/or debit card. Check the local weather forecast. Know Skip cruise control. Turn off cruise control on your situation, you’ll need to call family, The IRS says it will never: If you get a phone call from someone claiming to these calls, you can what temperatures and weather conditions when it’s slippery to help you stay in control of police, your insurance agent and/or a tow truck. Ask for credit, debit or be from the IRS, and you think you might owe report it to the FTC To update your contact to expect before you drive so you can decide your vehicle. prepaid card information taxes, hang up and call the IRS at 800-829-1040. at ftc.gov/complaint. Request a no-cost, no-obligation insurance over the phone. If you suspect you’re a victim of fraud, contact information, stop by any Dupaco whether you should leave earlier or possibly Pause first.If you’re traveling too fast for analysis at dupaco.com/insure, or contact the Dupaco immediately at 800-373-7600. branch or call 800-373-7600. delay your trip. weather conditions, first remove your foot from Slow down. You’ll get there when you get both pedals. You can lose control of your vehicle Dupaco Insurance Services team at 800-373- there. The faster you drive, the more energy it takes by braking immediately or braking too hard. 7600, ext. 210, or email [email protected]. Stronger together: The importance of advocacy POLICY FOR THE PEOPLE

As part of the credit union movement, we’re stronger together Tim Bemis Janelle Ayers Pam Baal Ken Bowers Jason Davis Ali Felderman Mike Felderman Brad Langan Brian Lyons Kelsie Mason Steve Rennert Chris Rogers when we make our collective voice heard. That’s because state and federal legislation often affect the benefits you receive as a member-owner of Dupaco—impacting HOW TO the way you save, borrow and manage your money. Create a successful budget for a new year “Being part of a financial cooperative means you have a vested interest in your credit union,” said Dupaco’s Tammy 20 With the holidays in the rearview mirror and a new year in front of you, you might be ready for a fresh financial Wood. “Whatever happens to your credit union happens to you.” 20 start. A budget can help you make sure you have enough money for your needs today and your goals for the future. Learn how you can stay engaged during this year’s legislative session and lend your voice to the credit union movement at Here are four tips to help you create—and stick to—a budget in the new year: dupaco.com/budgeting dupaco.com/PoliticalAction. Your voice does make a difference. dupaco.com/PoliticalAction Keep it simple. Find a way that Be honest and accurate. Track your budget. Don’t make your budget so works for you. Be realistic about what you If you’re spending money complicated that you don’t The easier your budget is spend each month. Other- and not including it on DID YOU KNOW? SCENE IN: 2019 use it. Download Dupaco’s for you to use, the more wise, it will be difficult to your budget, your budget Dupaco President and CEO Joe Hearn dances with Sen. Pam Jochum during a fundraiser aboard the Look up your elected officials and enroll to receive member advocacy budgeting worksheet at successful you’ll be. manage your spending. won’t work. American Lady on the Mississippi River in Dubuque, Iowa. Sen. Liz Mathis and other legislator attendees emails and updates at iowacreditunions.com/StrongerTogether. spoke about the credit union difference. dupaco.com/budgeting 1to help you get started. 2 3 4 8 | WINTER WINTER | 9 Hillcrest Rd. 3299 Hillcrest Rd. | Dubuque, IA PHONE: (563) 557-7600 Current contact THE JOB SEARCH Appropriate information email address Pennsylvania Ave. dupaco.com/invest It sounds obvious, but appli- Use your name or first and 3999 Pennsylvania Ave. | Dubuque, IA cants have either inadvertently middle initials with your last PHONE: (563) 557-7600 Did you know omitted their name or contact name. If you’re submitting information, or supplied an application online, choose Asbury obsolete details. 5. an appropriate username 5865 Saratoga Rd. | Asbury, IA PHONE: (563) 557-7600 1. and password. these money fun facts? Résumé tailored Sycamore St. 6. Consistent formatting 1465 Sycamore St. | Dubuque, IA • After World War I, Germans experienced a getting started.” to the position PHONE: (563) 557-7600 By Michael Poppen | Financial consultant Research what the company Be consistent with font and point sizes. Rather than inundate you with more rhetoric on period of hyperinflation where the value of Whether your goal is financial or otherwise, is passionate about and what 2. Key West budgeting, retirement planning, life insurance their currency plummeted. As a result, they the simple solution is to just get moving in that skills the position requires. 2245 Flint Hill Dr. | Dubuque, IA Highlight your common- No spelling errors PHONE: (563) 557-7600 and the like, we at DFS thought it might be nice used their bills as wallpaper. direction. The rest of it will come. Wishing you alities—both related job 7. Submitting a résumé with to start the year with some fun facts about money. • A penny costs more to manufacture than a healthy, happy and prosperous 2020! experience and shared misspelled or misused words Inside Hy-Vee passions. 3. conveys you’re not detail 400 S. Locust St. | Dubuque, IA it’s worth—costing the government about For a no-obligation consultation, contact Dupaco Here are a few of our favorites: oriented. PHONE: (563) 557-7600 • The flu virus can live on a bill for up to 17 days! 2 cents to make one penny. Financial Services at 800-373-7600, ext. 2305. Your voice Marion Learning Lab • Parker Brothers prints about $30 billion in • It supposedly takes about 4,000 double-folds Anyone can use Google to 8. Short and sweet 5970 Carlson Way | Marion, IA Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products bills for its popular board game Monopoly (back and forth) before a bill will tear. Which offered through LPL Financial or its licensed affiliates. The investment products sold get a template and fill in the 4. In many cases, you have PHONE: (319) 366-8231 through LPL Financial are not insured Dupaco Community Credit Union deposits and basics. Hiring managers want mere seconds to sell your- every year. makes sense, as worn-out bills are shredded are not NCUA insured. These products are not obligations of Dupaco Community Credit Union and are not endorsed, recommended or guaranteed by Dupaco someone who’s genuine. self. Keep your résumé to First Ave. • Today, 92% of the world currency is digital. and recycled into shingles and fireplace logs! Community Credit Union or any government agency. The value of investment may one page—two pages max. 110 35th Street Dr. SE | Cedar Rapids, IA fluctuate, the return on the investment is not guaranteed and loss of principal is PHONE: (319) 366-8231 • All 50 states are listed on top of the Lincoln With that, I’ll leave you with a quote from possible. 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dupaco.com/locations 10 | WINTER Jim Liddle Diane Derifield