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

*Tickets are valid for one day during the 2023 season. Children 3 and under are FREE.

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

Apply Online

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Member Advantage

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Find your Nearest Location

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All DuTrac branches will be closed on Monday, December 25, for Christmas Day.

All DuTrac branches will be closed on Monday, January 1, for New Year's Day.