DuTrac Community offers three types of lines of credit.  All offer you the convenience of a one time application with on going access, as well as a low variable interest rate.  

Our EZ Access Line of Credit is a line of credit which is given without collateral, the credit is approved based on your signature.  Once you apply for the line of credit, money can be transferred or withdrawn from it at any time for any reason you see fit.  Plus you can even transfer the money yourself with AccessLine and PC Branch.  Using your EZ Access Line of Credit as a form of overdraft protection is also a great way to save yourself money if you should happen to overdraw your checking account. 

With our Equity Plus Line of Credit you can draw on the equity in your home to meet your needs as they arise.  An Equity Plus Line of Credit features a one time application which allows you to have access to a line of credit, secured by your home, for whatever you need, whenever you need it. With its variable rate, you will be assured of one of the best rates around.  Once your Equity Plus Line of Credit is approved you can write yourself a loan at any time for up to 10 years without requalifying - you decide when, you decide how much, and with terms up to 15 years you can keep your payments low and affordable.  

An Equity Plus Line of Credit can be used for virtually anything and the interest you pay may be tax deductible! (Check with your tax advisor.)  Here are just a few of the ways you can put your home's equity to work for you:

• Landscaping
• Loan Consolidation
• Remodel Your Kitchen
• New Furnace or Roof 
• A New Deck
• Wedding Expenses
• Finance Education
• Purchase New Automobile
• Much, much more...

For our business members, we offer a Business Secured Line of Credit, which will give the business access to cash for working capital.  The Business Secured Line of Credit can be used to purchase inventory, pay operating expenses, cover an overdraft on the business share draft checking account and can even be used to cover payroll expenses.

We also offer a Signature Business Line of Credit which can give business members added protection against overdrawing their business share draft checking account.

Funds are accessible for both business lines of credit through AccessLine, PC Branch, personal visit to any of our convenient locations or by automatic transfer.

To apply for either Business Line of Credit please call (563) 582-1331 or (800) 475-1331 and speak with our Business Lending Manager or a Financial Services Consultant.

For your convenience, when an overdraft transfer has occurred, a notice will be mailed with the amount of the transfer and a description of the check that caused the overdraft.  A small service charge applies for any automatic transfer that covers an overdraft, however you save money by not being charged a $25 overdraft fee.  Overdraft protection also eliminates the embarrassment of having checks returned for NSF. 

Monthly payments on your Line of Credit are set up to be paid automatically on the 15th of each month from either your savings or checking account, which will save you time.