Having established a Share Savings Account, you have the flexibility of making deposits, transfers and withdrawals at any time in a manner that suits your individual lifestyle. Plus, you earn dividends that are paid quarterly to accounts that maintain an average balance of $100 or more. DuTrac’s tiered Share Savings Account program provides additional dividend yields for higher share savings balances.

All DuTrac Community Credit Union savings accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and the National Credit Union Administration (NCUA), a U.S. Government Agency.

DuTrac’s mission is to provide you the best financial products and services available, customized to fit your needs, at the best value possible. As a member/owner, DuTrac takes your financial well-being very seriously and works hard to provide you the services, advice, and support you need, when and where you need them.

So no matter where the financial road in life takes you, rest assured, there is a place to assist you along the way.

DuTrac’s Savings Products Include:

 Share SavingsMoney Market
Certificates of
YoungSavers Certificate of DepositHoliday/Vacation Club Accounts
Minimum Opening
$5$2500$25$1000$500No Minimum
Minimum to Earn
$100$2500$0$1000$500No Minimum
Dividends PaidQuarterlyMonthlyMonthlyQuarterly and at MaturityQuarterly and at MaturityPaid out Oct.
31 or May 31
Debit Card
No Monthly Fee✓ (If balance is over $1000)
Terms6 months to 5 years6 months to 5 years

Individual Development Account

An Individual Development Account, or “IDA,” is a special matched savings account designed to help low-income and low-wealth families accumulate savings for investments in long-term assets such as a house, higher education or a small business. The Foundation’s IDA program allows funds to be used toward the purchase of a vehicle for transportation to work. The savings accumulated in an IDA are matched with grant funds.

The individual must be a member of the Credit Union and meet one of the following criteria:

  • Those who are eligible for Temporary Assistance for Needy Families (TANF) – FIP in Iowa
  • Those who are eligible for the Federal Earned Income Tax Credit (EITC) Household income at or below 200% of the Federal Poverty level*

*The IDA program is funded by the Iowa Division of Community Action Agencies and the U.S. Department of Health and Human Services.
DuTrac’s IDA Program was featured by NerdWallet, a personal finance website. Click here to read the article.


Certificates of Deposit (CD)

Shopping for the ideal Certificate of Deposit (CD) rate? Check out DuTrac’s CD Marketplace. With highly competitive rates and terms that allow you to take your earnings to the max, DuTrac’s CD Marketplace is a great place to start your search. Whether you are looking for standard terms or one of DuTrac’s CD Specials, you are sure to find a rate and term to meet your needs.


Certificate of Deposit Benefits:

  • Highly competitive
  • Longer term, higher interest investments with flexibility of terms and rates
  • Terms range from six months to five years
  • Low minimum investment of $1,000

For our younger members, age 21 and under, DuTrac offers a Young Savers CD.


Young Savers CD Benefits:

  • $500 minimum deposit
  • Same terms and conditions as DuTrac’s regular CD program apply
  • Selection of terms from six months to 60 months

Have peace of mind knowing should funds in a CD be needed, the CD may be cancelled and the funds withdrawn. A penalty for early withdrawal may apply.

CD Rate Hot Line

Stay on top of changing rates and terms – while on the go – by calling DuTrac’s CD Rate Hot Line at (563) 557.5010 or by contacting a financial services consultant at (563) 582.1331, or (800) 475.1331.

Open a Certificate of Deposit
If you would like to open a Certificate of Deposit please contact a highly qualified financial services consultant by email at, by phone at (563) 582.1331 or (800) 475.1331, or stop into any of DuTrac’s convenient office locations.



Opening an Individual Retirement Account (IRA) at DuTrac can provide financial security during your retirement – and may save you tax dollars today. You may invest in an IRA share account or in a variety of Certificates of Deposit (CDs).

Coverdell Education Savings Account:
Allows you to save for your child’s future educational needs. The amount deposited is not tax deductible, but earnings grow tax-free. There are no taxes or penalties on withdrawals when used to pay for qualified educational expenses.

Traditional IRAs:
Are beneficial from a tax savings standpoint, as your contributions may be tax deductible. Qualifying persons are under the age of 70½ having earned compensation (wages, salaries, tips, bonuses, or any other amount received from performing duties) during the year that they want to contribute and/or must be filing a joint income tax return with a spouse who has earned income compensation during the year are eligible for a Traditional IRA. In addition, members 50 years of age and over can make an additional catch-up contributions.

Roth IRAs:
Contributions are not tax deductible. Members age 50 and over can make an additional catch-up contributions. This type of IRA is more flexible in that earnings can be withdrawn penalty free when:

  • The funds have been in the account at least five years.
  • You are older than 59 1/2.
  • You become disabled.
  • You die and it is paid to your beneficiary.
  • You use the money for a first-time house purchase. ($10,000 lifetime withdrawal limit.)
  • Contributions can be withdrawn anytime.
  • Income qualifications apply – please contact DuTrac for details.

*DuTrac Community Credit Union does not provide tax or legal advice. You should contact your tax or legal advisor for advice regarding your situation.
For contribution limits please contact a highly qualified financial services consultant by email at, in person at any of DuTrac’s convenient office locations or by phone at (563) 582.1331 or (800) 475.1331.