Personal Loans & Lines of Credit

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The loan for anything!

Enjoy the freedom that comes with a personal loan from DuTrac.

DuTrac’s personal loan is – well, THE loan for anything!

✔ Consolidate high-interest rate debt.

✔ Tackle home improvement projects. 

✔ Take that dream vacation.

✔ Pay off unexpected bills.

✔ Celebrate a wedding or other special event.

Whatever you need – DuTrac’s personal loan is THE loan for anything. With rates as low as 11.34% APR* and terms up to 48 months, financing your dreams has never been easier.

No early payoff fees, no annual fees and definitely no hidden fees.

You’ll have your money in two business days or less, guaranteed.

It’s all possible with DuTrac.

Not a DuTrac member? Learn more about all the benefits of membership and open an account today. 


*Rates disclosure and repayment example: Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac’s standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice. All loans are subject to approval. Personal Loan example: 48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.

*APR = Annual Percentage Rate. Rates are based on the 13-week Treasury Bill Index plus an applied margin. APR may vary based on an individual’s credit score and loan to value ratio. Best standard rate of 7.74% APR is accurate as of January 1, 2024. Rate quoted is based on homeowners with a minimum 720 credit score and with a maximum 80% CLTV (calculated as first mortgage balance plus HELOC limit divided by property value). Maximum APR is 18%. All rates and terms subject to change without notice.  HELOCs are subject to DuTrac’s standard lending and credit underwriting practices.  Closing costs may vary and range from $0 – $625, including appraisal fee, if needed. HELOC account holder must reside within the DuTrac Community Credit Union service area and $5 is the requirement to purchase one par value share to establish a membership account. No grace period applies. No prepayment penalties charged.

Let us help you reach your goals.

Surprise expenses, financing a dream, or simply streamlining your finances can all benefit from a personal loan or line of credit. Apply online or request an appointment today.

When you need cash quickly, we’re here to help with an affordable fixed-rate personal loan tailored to the amount and term that fits your situation. As a DuTrac member, you can benefit from:

  • Low, competitive interest rates
  • Fast approval
  • Flexible payment terms of up to 48 months
  • No prepayment penalties
  • No annual fees
  • No origination fees

Our personal loans are unsecured loans, meaning you do not need to pledge any collateral to receive the funds, but it does result in a slightly higher interest rate than other types of consumer loans. Personal installment loan rates are based on an individual’s risk-based lending evaluation, term of the loan and credit score, making these a more affordable option than a credit card for expenses and debt consolidation.

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Access cash anytime you need it with a revolving line of credit that can be set up as overdraft protection. It’s an easy path to peace of mind should your checking account balance not cover a check. Your check clears uninterrupted and saves you non-sufficient fund (NSF) fees. Plus, you can access your account 24/7 through PC Branch or AccessLine.

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The Credit Builder Loan is designed for members who may not have credit or may need to re-establish their credit.

With an automatic savings plan built directly into the loan, the program provides an affordable payment plan based on a reasonable term and a low interest rate.

How Does the Credit Builder Loan work?

The DuTrac Credit Builder Loan is fully secured by placing the “loan” proceeds into the member’s savings account at DuTrac. Loan approval is based on the capability to repay the loan back.

As with all loans, payments will be reported to the credit bureaus. If there is no credit file, such as for members who have never had a loan before, the Credit Builder Loan will help the member establish credit history and generate a credit score.

The program is also ideal for members who have had credit issues in the past, such as a defaulted loan, recent bankruptcy, or poor knowledge or handling of credit. The Credit Builder Loan can help to re-establish a stronger credit history.

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Additional benefits available include:

Our Member’s Choice Payment Protection can help if your income is reduced or eliminated due to involuntary unemployment, a disabling injury or illness or an unexpected death. Click here to begin a Member Protection claim.

All DuTrac branches will be closed on Monday, January 15, in observance of Martin Luther King Jr. day.

All DuTrac branches will be closed on Monday, February 19, for Presidents' Day.

All DuTrac branches will be closed on Monday, May 27, for Memorial Day.

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.

Due to inclement weather, all DuTrac branches will close at 1:00 PM today, January 9. Online banking, AccessLine, ATMs and our app are available 24/7 for your convenience.