New and used automobile loans are our speciality and with our great rates you're sure to save money.  We offer 100% financing with terms ranging from 3-5 years and low fixed rates, so we're sure to have something that will meet your needs.  DuTrac Community is where to look if you are looking to refinance your current automobile loan as well.   Our loan application process is very simple and in most cases your loan can be approved in less than 24 hours.

Current Rates

Loan Calculators

Our optional Guaranteed Asset Protection* (GAP) coverage is a great way to protect yourself should the vehicle you have a loan for be stolen, accidentally damaged beyond repair, or otherwise declared a total loss.  In many cases your auto insurance will only cover the actual cash value of the vehicle; however, you remain liable for the difference between the insurance settlement and the remaining balance of the loan.  This is where GAP coverage becomes important.

• GAP coverage pays the upside down amount or the difference between what insurance covers and what is owed
• GAP coverage pays the deductible up to $1,000 as loan as a deficiency exists
• GAP coverage pays $1,000 towards the replacement vehicle if your new vehicle is financed with DuTrac Community Credit Union

GAP coverage is a great way to protect your credit rating and your budget, as well as eliminate the out-of-pocket expenses you may incur after a loss.  Be sure to ask for GAP coverage on your auto loan! 

Before you decide what vehicle is the perfect fit for you, we recommend that you check out our Auto FAQ page and the following sites which will provide you with pricing details and other important information you should consider before deciding to buy.  The purchasing of an automobile should be enjoyable and DuTrac Community wants to be sure you are receiving the best rate possible on the best vehicle.

• NADA Guide - National Automobile Dealers Association used vehicle prices.
• Check Credit - Get a free credit report. 
• Auto Buying Advice - A wealth of information on a variety of car buying and financing subjects.

You can also check out our Buy & Sell online publication to see if there is a vehicle out there just waiting for you, or if you need to sell a current vehicle, we can help with that as well.

Don't forget about auto insurance on your new automobile!  Through our association with Cuna Mutual Insurance, you can receive quotes or purchase insurance at some great rates.

*Purchase of GAP is optional and whether or not you purchase this product will not affect your application for credit or the terms of any credit agreement you have with the Credit Union. Adding the fee to the amount you borrow will increase the cost of GAP. You may choose GAP with a refund provision or with out a refund provision. Prices of the refund and non refundable product are likely to differ. If you choose either product and cancel within the first 90 days, you will receive a full refund. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee calculated by the actuarial method. We will give you additional information before you are required to pay the fee for this product. There are certain eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should carefully read the GAP contract (waiver) for a full explanation of the terms of the product.