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Six tips to improve your credit
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Six tips to improve your credit

Pay your bills on time All of them, every time, period.  Keep your credit utilization rate low “Weigh account balances relative to credit limit to ensure usage is at or below @ 10%,” stated John Ulzheimer, credit expert, formerly of FICO and Equifax. If higher than 10%, it is an indication of possible added risk....

The Cost or Savings of Credit
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The Cost or Savings of Credit

Remember “The Golden Rule to Credit”…the higher the better when it comes to a credit score. Consumers have four primary advantages with a higher credit score: Reduces the pain of interest rate hikes, Borrowers qualify for a lower interest rates, Saves money on your monthly loan payments , A higher score will also more likely...

Understanding credit and credit scores
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Understanding credit and credit scores

What is Credit and a Credit Score? Credit is the ability to borrow money or access goods or services with the understanding consumers will repay the borrowing with interest later. It is based on weighted factors and shown as a number typically between 300 and 850, called a credit score, A credit score tells lenders a...

A Dozen Ways to Save your Paycheck
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A Dozen Ways to Save your Paycheck

Pay yourself first! Decide on a specified percent of your take-home pay for savings and set those funds aside before paying any other expenses. Collect coins in a jar. Bank your refunds. Rather than spending an income tax refund, use it to pay down a high-interest credit card debt. Continue paying a loan. Once you...

Making a Budget
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Making a Budget

Making a budget is the most important step in controlling your money. A budget allows you to track your Income (the money that you have) and your Expenses (the money you spend). By writing down your monthly income and expenses, you can see how much money you expect to have for the month and plan...

Five Steps to Credit Repair
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Five Steps to Credit Repair

The first step is to understand how credit works and begin making a plan. Lock away your credit cards. Now, do not close your accounts just yet. You may have difficulty getting new cards if your credit rating is poor. So the first step is to stop using them and stick to your immediate goal...

Get your cash at Circle K Stores nationwide
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Get your cash at Circle K Stores nationwide

Great news! As a member of DuTrac, you can now fill up your tank, grab a drink and get your cash surcharge-free at Circle K Stores with ATMs nationwide through Allpoint. DuTrac, along with about 1,000 financial institutions, partners with Allpoint to give you the freedom to get your cash how you want, without ATM...

CardValet Update May 2
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CardValet Update May 2

On May 2, CardValet® will update its app on Apple® App and Google® Play stores. The digital debit/credit card management application helps reduce fraud by monitoring debit/credit card accounts with a smartphone. Security features include “turning off” your card(s) when not in use, establishing transaction spending limits, and declining a transaction when a charge exceeds...

Understanding Credit Reports
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Understanding Credit Reports

Maintain Your Reputation The loan officer keys your application information into the computer, but you are thinking of the new ride you are going to buy. Those thoughts are interrupted when the loan officer drops the bomb. You do not qualify for a loan; you credit report has too many negative events. Poof – the...

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.