Earn more in 2022.

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?

Our program calculates your entire relationship with us. Just make sure you are frequently using your DECU debit/credit card!

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.

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