Current Rates
- Motor Vehicles
- Mortgage Loans
- Home Equity
- Lot Loans
- Credit Cards
- Boat & Travel Trailers
- Recreational Vehicles
- CDs
- Checking Accounts
- Relationship Checking
- High Yield Checking
- Relationship Business Checking
- Savings Accounts
- Share Savings & Sub-Share Savings
- Money Market Savings
- IRA Savings, Club & Escrow
- Business Share Savings
- Health Savings Accounts
Motor Vehicles - New & Used Auto & Truck
Rates As Low As*
| Model Year | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| 2012 - 2010 | 2.74%* | 2.74%* | 2.74%* | 3.24%* |
| 2009 - 2008 | 3.49%* | 3.74%* | 3.99%* | |
| 2007 - 2005 | 4.99%* | 5.24%* |
*Rates are stated as Annual Percentage Rate (APR) for purchases and include a 0.50% value plus relationship discount which requires automatic loan payment, direct deposit and an active checking account with DuTrac Community Credit Union. Rate also includes a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Rate also includes a .25% discount for qualifying SmartWaySM vehicles.
Loans for older models with flexible payments also available at similar money saving rates.
Mortgage Rates
Real Estate rates are accurate as of the date shown and subject to change without notice.
Some rates may require the payment of points.
Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information.
Rates last updated: February 22, 2012
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| FHA 30 Year Fixed (Loan Amount $125,000) | 30 Years | 0 | 4.000% | 4.5773% |
| 3 Year ARM** | 30 Years | 0 | 3.250% | 3.0198%* |
| 5 Year ARM** | 30 Years | 0 | 2.750% | 2.8952%* |
| 7 Year ARM** | 30 Years | 0 | 3.000% | 2.9953%* |
| 15 Year Fixed (Loan Amount $150,000) | 15 Years | 0 |
3.375% |
3.4896% |
| 15 Year Fixed (Loan Amount $200,000) | 15 Years | 0 |
3.375% |
3.4558% |
| 30 Year Fixed (Loan Amount $150,000) | 30 Years | 0 | 4.000% | 4.0659% |
| 30 Year Fixed (Loan Amount $200,000) | 30 Years | 0 | 4.000% | 4.0459% |
| 30 Year Fixed (Loan Amount $300,000) | 30 Years | 0 | 4.000% | 4.0260% |
*APR's are based on a $150,000 purchase loan.
**Rate and APR subject to change after the initial 3, 5 or 7 year fixed period.
3/1, 5/1, 7/1, ARM loans:
What is an ARM? “ARM” stands for Adjustable Rate Mortgage. With this type of loan, your rate is locked in for 3, 5, or 7 years and then adjusts once a year thereafter. Your rate can adjust up or down depending on the limits of your loans terms and the position of the market. These loans are great for buyers who want to lock in a low rate for a set number of years. A buyer may choose to refinance (pay off the existing loan with a new loan, especially if the interest rate is lower) at any time to a fixed rate. View additional loan descriptions & disclosures
Mortgage Rates for conventional loans are based on the loan amount indicated within the table with an 80% loan-to-value. If the loan-to-value is greater than 80%, mortgage insurance may be needed which could increase the APR. Qualifying applicants for a FHA 30 Year Fixed Loans require at least a 96.6% loan-to-value for the stated rate.
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $7.08 per $1,000.00 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.76 per $1,000.00 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.
Home Equity Loans
Rates As Low As*
| Rate | Type | Term | |
|---|---|---|---|
| Equity Plus Line of Credit | 4.99% |
Variable** | Depends on the amount of the loan. |
**Adjusts quarterly. 13 week T-Bill rounded up to the next 1/4% + Margin (Floor = 4.99%, Ceiling = 18%)
| Rate | Type | Term | ||
|---|---|---|---|---|
| Equity Plus Loan |
60 Months | 84 Months | 120 Months | 180 Months |
| Fixed Rates As Low As: | 4.99% | 5.49% | 5.99% | 7.49% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Equity Plus Loans - Example terms of repayment:
5-year fixed rate home equity loan at the stated rate equals 60 monthly payments of $18.87per $1,000.00 borrowed.
7-year fixed rate home equity loan at the stated rate equals 84 monthly payments of $14.37 per $1,000.00 borrowed.
10-year fixed rate home equity loan at the stated rate equals 120 monthly payments of $11.09 per $1,000.00 borrowed.
15-year fixed rate home equity loan at the stated rate equals 180 monthly payments of $9.26 per $1,000.00 borrowed.
Lot Loans
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| Lot Loan - $35,000 | 3 year balloon, 10 year amortization |
0.50 (min. $250) |
5.75% | 6.4721% |
Credit Cards
Rates Effective November 23, 2011
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| MasterCard | 14.90% | Non-Variable |
| VISA | 9.49% | Variable* |
| VISA Platinum | 7.99% | Variable** |
| Business VISA Platinum | 8.24% | Variable*** |
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
Boat & Travel Trailers
Rates As Low As*
| Model Year | 36 Months | 48 Months | 60 Months |
|---|---|---|---|
| 2012 - 2010 | 4.24% | 4.49% | 4.74% |
| 2009 - 2007 | 5.74% | 5.99% |
*Rates are stated as Annual Percentage Rate (APR) and include a 0.50% value plus relationship discount which requires automatic loan payment, direct deposit and an active checking account with DuTrac Community Credit Union. Rate also includes a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Loans for older models and loans with longer terms, as well as flexible payments, are also available at similar money saving rates.
Recreational Vehicles
Rates As Low As*
| Model Year | 36 Months | 48 Months | 60 Months |
|---|---|---|---|
| 2012 - 2010 | 4.49% | 4.74% | 4.99% |
| 2009 - 2007 | 6.74% |
*Rates are stated as Annual Percentage Rate (APR) and include a 0.50% value plus relationship discount which requires automatic loan payment, direct deposit and an active checking account with DuTrac Community Credit Union. Rate also includes a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Loans for older models with flexible payments also available at similar money saving rates.
Certificates of Deposit (CD)
Rates Effective February 1, 2012
| Standard | EcoPlus Account Bonus*** | |||
|---|---|---|---|---|
| Dividends Calculated | Quarterly | Quarterly | ||
| Dividends Paid | Quarterly | Quarterly | ||
| Minimum Opening Deposit | $1,000.00** | $1,000.00 | ||
| Term of Certificate | Interest Rate | APY* | Interest Rate | APY* |
| 6 Months | 0.55% | 0.55% | 0.80% | 0.80% |
| 12 Months | 0.90% | 0.90% | 1.15% | 1.16% |
| 18 Months | 1.10% | 1.10% | 1.35% | 1.36% |
| 24 Months | 1.19% | 1.20% | 1.44% | 1.45% |
| 30 Months | 1.39% | 1.40% | 1.64% | 1.65% |
| 36 Months | 1.64% | 1.65% | 1.89% | 1.90% |
| 48 Months | 1.94% | 1.95% | 2.19% | 2.21% |
| 60 Months | 2.23% | 2.25% | 2.48% | 2.50% |
*APY = Annual Percentage Yield
**Minimum opening deposit for members under age 21 is $500.00.
***Electronic statements and recurring direct deposit required to receive EcoPlus Account. Other eligibility requirements may apply. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account.
Early withdrawal penalties may apply.
Rates subject to change without notice.
IRA certificate accounts have the same rates, yields and requirements as those stated in the above table.
Checking Account
Dividend Yields as of December 31, 2011
| Relationship Checking Account Balance* | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$1,000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $1,000 to $9,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $1,000.00 |
| $10,000 and above | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $10,000.00 |
*Value Checking and EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.00
Rate may change after the account is opened.
Relationship Business Checking Account
Dividend Yields as of December 31, 2011
| Tier Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $2,000 to $9,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $2,000.00 |
| $10,000 to $49,999.99 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $10,000.00 |
| $50,000 and above | 0.40% | 0.40% | Avg. Daily Bal. | Quarterly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $100.00
Rate may change after the account is opened.
High Yield Checking
Dividend Yields Effective February 1, 2012
| High Yield Checking Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to $24,999.99 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.
Share Savings & Sub-Share Savings
Dividend Yields as of December 31, 2011
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| < $5,000 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $100.00 |
| $5,000 to $24,999.99 | 0.40% | 0.40% | Avg. Daily Bal. | Quarterly | $5,000.00 |
| $25,000 and above | 0.65% | 0.65% | Avg. Daily Bal. | Quarterly | $25,000.00 |
*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18
Minimum opening deposit for share savings account is $5.00
Rate may change after the account is opened.
Money Market Savings
Dividend Yields Effective February 1, 2012
| Money Market Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to 24,999.99 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.90% | 0.90% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.
IRA Savings, Club and Escrow Accounts
Dividend Yields as of December 31, 2011
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 1.75% | 1.76% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club |
0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Business Share Savings
Dividend Yields as of December 31, 2011
| Tier Balance | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$5,000 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $100.00 |
| $5,000 to $24,999.99 | 0.40% | 0.40% | Avg. Daily Bal. | Quarterly | $5,000.00 |
| $25,000 and above | 0.65% | 0.65% | Avg. Daily Bal. | Quarterly | $25,000.00 |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Health Savings Accounts
Dividend Yields as of February 1, 2012
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2,500 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | None |
| $2,500 to $9,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Monthly | $2,500.00 |
| $10,000 to 24,999.99 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $10,000.00 |
| $25,000 to $49,999.99 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $25,000.00 |
| $50,000 and above | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $50,000.00 |
*APY = Annual Percentage Yield
Minimum opening deposit of $25.00
$2.00 monthly service fee if balance is less than $1,000.00
Rate may change after the account is opened.
