The Basics of Bonus Shares

Our Class "A" Bonus Share program is based on the concept of sharing profits with our members and is what truly sets us apart from other financial institutions. Since 1999, DUCA has paid most of its profits back to its members in the form of Bonus Shares. Members receive Shares based on the interest they pay into the credit union or receive during the previous calendar year. The Bonus Share program increases the value of membership at DUCA where it counts - in your pocket. Less interest paid, more interest earned means more value from DUCA Financial Services.

How it works:
(Example) You paid $5,000 interest on your $100,000 mortgage at 5.5% and earned $2,000 on your $50,000 RRSP at 4.20%

* Based on the return paid in January 2008. Actual returns will be announced December 2008 and paid January 2009.

Earning Shares at DUCA is easy. Simply conduct your regular banking by taking advantage of DUCA's competitive rates on deposits, loans and mortgages. Then watch your Shares grow in January of each year. Simply put, they are a reward for doing business with DUCA.

Bonus Shares Since 1999
To demonstrate the effect Bonus Shares can have on your investments, the table below demonstrates how many Shares you would hold if you received the maximum amount each year: