Current Rates

New/Used Cars & Trucks

Rates As Low As*

Model Year37 Months50 Months65 Months72 Months84 Months
2012 & Newer2.24%2.74%2.74%2.99%2.99%
2011 - 20102.99%3.24%3.49%3.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Motorcycles

Rates As Low As*

1200cc or larger

Model Year37 Months50 Months65 Months72 Months84 Months
2012 & Newer2.24%2.74%2.74%2.99%2.99%
2011 - 20102.99%3.24%3.49%3.99%--

under 1200cc

Model Year37 Months48 Months50 Months65 Months
2012 & Newer4.49%4.49%4.49%4.49%
20111 - 2009--5.74%----

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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RVs, Motor Homes, Travel Trailers, Pop Up Campers

Rates As Low As*
Motor Homes

Model Year37 Months50 Months65 Months72 Months84 Months
2012 & Newer2.24%2.74%2.74%2.99%2.99%
2011-20102.99%3.24%3.49%3.99%--

RVs/Travel Trailers
Model Year37 Months50 Months65 Months
2015 & Newer4.24%4.49%4.74%
2014 - 20125.49%5.74%--

Pop Up Campers
Model Year37 Months48 Months50 Months65 Months
2012 & Newer4.49%4.49%4.49%4.49%
2010 - 2008--5.74%----

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Boats

Rates As Low As*

Model Year37 Months50 Months65 Months
2015 & Newer4.24%4.49%4.74%
2014 - 20125.49%5.74%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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ATVs, Jet skis, Snowmobiles, Lawn Tractors

Rates As Low As*

Model Year37 Months48 Months50 Months65 Months
2012 & Newer4.49%4.49%4.49%4.49%
2011 - 2009--5.74%----

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Mortgage Rates

Real Estate rates are accurate as of the date shown and subject to change without notice.
Some rates may require the payment of points.
Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information.
Rates last updated: October 13, 2017

TypeTermPointsRateAnnual Percentage Rate (APR)
3 Year ARM**30 Years0call for ratecall for rate
5 Year ARM**30 Years0call for ratecall for rate
7 Year ARM**30 Years0call for ratecall for rate
15 Year Fixed (Loan Amount $150,000)15 Years03.000%3.0962%
15 Year Fixed (Loan Amount $200,000)15 Years03.000%3.0720%
20 Year Fixed (Loan Amount $150,000)20 Years03.500%3.5756%
20 Year Fixed (Loan Amount $200,000)20 Years03.500%3.5566%
30 Year Fixed (Loan Amount $150,000)30 Years03.750%3.8047%
30 Year Fixed (Loan Amount $200,000)30 Years03.750%3.7910%
30 Year Fixed (Loan Amount $300,000)30 Years03.750%3.7773%
FHA Alternative (Purchases only)30 Years04.375%4.4403%
VA 30 Year Fixed (Loan Amount $150,000)30 Years03.875%4.1115%

*APR’s are based on a $150,000 purchase loan.
**Rate and APR subject to change after the initial 3, 5 or 7 year fixed period.
3/1, 5/1, 7/1, ARM loans:
What is an ARM? “ARM” stands for Adjustable Rate Mortgage. With this type of loan, your rate is locked in for 3, 5, or 7 years and then adjusts once a year thereafter. Your rate can adjust up or down depending on the limits of your loan terms and the position of the market. These loans are great for buyers who want to lock in a low rate for a set number of years. A buyer may choose to refinance (pay off the existing loan with a new loan, especially if the interest rate is lower) at any time to a fixed rate. View additional loan descriptions & disclosures
Mortgage Rates for conventional loans are based on the loan amount indicated within the table with an 80% loan-to-value. If the loan-to-value is greater than 80%, mortgage insurance may be needed which could increase the APR.
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $6.90 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.62 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.
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Home Equity Plus Line of Credit

Rates As Low As*

 RateTypeTerm
Home Equity Plus Line of Credit2.74%Variable*Based on the loan amount borrowed.

*Rate will convert to a quarterly variable rate based on the 13 week Treasury Bill after December 31, 2017. Rate may vary after account is opened. Best rate based on current index would be 4.99% APR beginning January 1, 2018. Maximum rate of 18% APR. No closing costs offer requires direct deposit to a DuTrac Community checking account with auto pay. A fee for appraisal may be required and can average between $150-$450. Property insurance is required. Some restrictions and credit qualifications apply. Finance charges begin to accrue on the day a draw is taken. No grace period applies. Membership is required by opening a $5.00 share savings account. Not valid for existing home equity lines of credit with DuTrac or DuTrac HELOCs that are refinanced. Not valid with any other offers. Offer expires July 31, 2017.
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Lot Loans

TypeTermPointsRateAnnual Percentage Rate (APR)
Lot Loan - $35,000 (75% LTV)3 year balloon, 10 year amortization04.25%6.1875
Lot Loan - $35,000 (80% LTV)3 year balloon, 10 year amortization04.99%6.9358%

*The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
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Credit Cards

Rates as of October 1, 2017

Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard8.99%Variable*
Choice Mastercard10.49%Variable**
Choice Mastercard14.90%Non-Variable
Business Platinum Rewards Mastercard8.24%Variable***

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.

***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
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Certificates of Deposit (CD)

Rates as of October 1, 2017

CDMarketplace

 StandardEcoPlus Account Bonus**
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY*Dividend RateAPY*
6 Months0.60%0.60%0.85%0.85%
12 Months0.80%0.80%1.05%1.05%
18 Months1.00%1.00%1.25%1.26%
24 Months1.10%1.10%1.35%1.36%
30 Months1.15%1.15%1.40%1.41%
36 Months1.20%1.21%1.45%1.46%
48 Months1.39%1.40%1.64%1.65%
60 Months1.89%1.90%2.14%2.16%


*APY = Annual Percentage Yield
**Checking accounts require an opening deposit of $25. Rate may change after the account is opened.

Early withdrawal penalties may be imposed for early withdrawal.

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Checking Account

Dividend Yields as of September 30, 2017

Relationship Checking Account Balance*Dividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$10000.00%0.00%Avg. Daily Bal.QuarterlyNone
$1000 to $9999.990.10%0.10%Avg. Daily Bal.Quarterly$1000
$10,000 and above0.20%0.20%Avg. Daily Bal.Quarterly$10,000

*Value Checking and EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.
Rate may change after the account is opened.
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Relationship Business Checking Account

Dividend Yields as of September 30, 2017

Tier BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$20000.00%0.00%Avg. Daily Bal.QuarterlyNone
$2000 to $9999.990.10%0.10%Avg. Daily Bal.Quarterly$2000
$10,000 to $49,999.990.20%0.20%Avg. Daily Bal.Quarterly$10,000
$50,000 and above0.35%0.35%Avg. Daily Bal.Quarterly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $100.
Rate may change after the account is opened.
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High Yield Checking

Dividend Yields as of October 1, 2017

High Yield Checking BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.10%0.10%Avg. Daily Bal.Monthly$2500
$10,000 to $24,9990.20%0.20%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.25%0.25%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.30%0.30%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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Share Savings & Sub-Share Savings

Dividend Yields as of September 30, 2017

Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
<$50000.10%0.10%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.20%0.20%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.30%0.30%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18.
Minimum opening deposit for share savings account is $5.
Rate may change after the account is opened.
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Money Market Savings

Dividend Yields as of October 1, 2017

Money Market BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.15%0.15%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.25%0.25%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.30%0.30%Avg. Daily Bal.Avg. Daily Bal.$25,000
$50,000 and above0.40%0.40%Avg. Daily Bal.Avg. Daily Bal.$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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IRA Savings, Holiday/Vacation Club, Escrow Accounts

Dividend Yields as of September 30, 2017

Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA0.85%0.85%Avg. Daily Bal.QuarterlyNo Minimum
Christmas/Holiday Club0.10%0.10%Avg. Daily Bal.QuarterlyNo Minimum
Vacation Club0.10%0.10%Avg. Daily Bal.QuarterlyNo Minimum
Escrow0.10%0.10%Avg. Daily Bal.QuarterlyNo Minimum

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Business Share Savings

Dividend Yields as of September 30, 2017

Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$50000.10%0.10%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.20%0.20%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.30%0.30%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Health Savings Accounts

Dividend Yields as of October 1, 2017

Health Savings BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.10%0.10%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.10%0.10%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.20%0.20%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.000.25%0.25%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.35%0.35%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $25.
$2.00 monthly service fee if balance is less than $1,000.
Rate may change after the account is opened.
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