Become a Member

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Open an account at DuTrac.

As a credit union, we were founded by members, for members. Rather than pocketing profits, our success results in benefits for our members—better loan rates, higher savings rates, and a variety of products and services.

If you live or work in any of the 34 counties we serve, you’re eligible to become a DuTrac member.


If you have a family member who is currently a DuTrac member, you’re eligible to become a DuTrac member.

Field of Membership


  • Allamakee
  • Benton*
  • Black Hawk*
  • Buchanan
  • Cedar
  • Clayton
  • Clinton
  • Delaware
  • Dubuque
  • Fayette
  • Iowa*
  • Jackson
  • Jasper*
  • Johnson
  • Jones
  • Linn
  • Louisa
  • Marshall*
  • Muscatine
  • Poweshiek*
  • Scott
  • Tama*
  • Winneshiek


  • Carroll*
  • Henry
  • Jo Daviess
  • Rock Island
  • Stephenson*
  • Whiteside
  • Winnebago*


  • Crawford*
  • Grant
  • Iowa*
  • Lafayette*


*Indicates counties added in 2022.

  • Members are also required to open a Share Savings account with a balance of $5.00
  • Social Security Number or Individual Taxpayer Identification Number
  • One of the following forms of identification: Driver’s License, U.S. State ID, Resident Alien ID Card (Green Card), Passport or U.S. Military ID
  • A way to fund your account, such as a credit card, check or cash
  • Phone number & email address
  • Current physical and mailing addresses
*Notice from Lost Island Waterpark: “Due to challenges maintaining critical staffing levels, Lost Island Waterpark has made the difficult decision to be closed on Tuesdays and Wednesdays for the remainder of the season starting August 3, 2021. Adventure Golf and Go-karts will remain open 2-9 pm on those days.

Join us today!  Complete an application online or in person at your nearest location.

Member Advantage

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