Earn more in 2023.

OPA logo

The Deere Employees Credit Union Owner Participation Account is an annual year-end rebate that returns excess earnings to you, our DECU members. Our OPA program calculates your entire relationship with us, and the more you connect with DECU, the more you collect with your OPA rebate.

Membership account activity at DECU means everything when it comes time to calculate earnings for your Owner Participation Account. Start by simply signing up for Direct Deposit at work. Automate your paycheck and even get a text message announcement from DECU when the payment lands in your account.

How do I earn more in next year?

  • Come to us first! Choose DECU as your Primary Financial Institution for your loan and deposit needs. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.
  • Maximize your OPA at DECU with the benefits of members-only checking and savings accounts, flexible credit and debit cards, best-in-market interest rates for consumer loans and home mortgages, and debt protection from DECU insurance services.
  • Best of all, it’s always available online, with DECU’s easy and secure digital banking website and digital banking app for your smart device. Manage your accounts, pay your bills, transfer payments and find more than 80,000 ATM locations for zero-service-charge cash withdrawals.

How many transactions do I have to do to get a higher OPA?

If you have earned $650 or more in share dividends, paid interest on a consumer loan or ARM product, or used your debit or credit card an average of 21 times per month; you may qualify for a rebate.

What is the OPA?

This year-end rebate returns excess earnings to you for your continued loyalty to the credit union. You can maximize your year-end rebate by choosing DECU as your Primary Financial Institution by looking to us for your loan and deposit needs. Earn a board-approved percentage of the total loan interest paid or dividends earned during that year. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

How is it calculated?

Our program calculates your entire relationship with us. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

Do I have to have a debit/credit card to receive an OPA?

You do not have to have a debit or credit card, however, it does help!

Do I have to have a loan to receive an OPA?

You do not have to have a loan with us, however, it does help!

How do I get more back?

The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

What else can you tell me about the OPA?

Member must be in good standing; no overdrafts or delinquencies. This will prevent any deposits from occurring. Business accounts are excluded. Please note: A rebated OPA on a mortgage loan will reduce the interest paid and reported on your Mortgage Form 1098.

Recommended Reading

Differences Between Good Debt and Bad Debt

Many people in the U.S. grew up being told that all debt is “bad” and that it should be avoided at all costs. However, you may have also been told that borrowing money for “good” purposes, such as buying a house, is okay. Very few people can likely get through life these days without taking […]

Scams to Lookout for on Facebook Marketplace

It is common for Facebook Marketplace to be filled with scammers looking for their next target. These scams take hold in several different ways, aiming to either get the items you’re selling for free, to get you to pay for something that isn’t what it seems or to send money for nothing. Most scams can be easily […]

5 Ways to Prepare Your Finances for the End of the Year

There are certain times throughout the year that cause people to think and take notice of how close they are to reaching their goals, especially financial ones. As one year ends and another begins, there is no time like this time of year to do just that. It’s a great time to reassess where your finances are […]

How to Integrate Employee Benefits When You Marry

Marriage can change just about every aspect of your life, especially your finances. You may go from a single income to two, you must file your taxes differently, and you’re now eligible to share other financial opportunities like employee benefits. Many people don’t think through what they want to change about their employee benefits before […]