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New/Used Cars & Trucks
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2012 & Newer | 2.24% | 2.74% | 2.74% | 2.99% | 2.99% |
| 2011 - 2010 | 2.99% | 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 Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2012 & Newer | 2.24% | 2.74% | 2.74% | 2.99% | 2.99% |
| 2011 - 2010 | 2.99% | 3.24% | 3.49% | 3.99% | -- |
under 1200cc
| Model Year | 37 Months | 48 Months | 50 Months | 65 Months |
|---|---|---|---|---|
| 2012 & Newer | 4.49% | 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 Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2012 & Newer | 2.24% | 2.74% | 2.74% | 2.99% | 2.99% |
| 2011-2010 | 2.99% | 3.24% | 3.49% | 3.99% | -- |
RVs/Travel Trailers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 4.24% | 4.49% | 4.74% |
| 2014 - 2012 | 5.49% | 5.74% | -- |
Pop Up Campers
| Model Year | 37 Months | 48 Months | 50 Months | 65 Months |
|---|---|---|---|---|
| 2012 & Newer | 4.49% | 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 Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 4.24% | 4.49% | 4.74% |
| 2014 - 2012 | 5.49% | 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 Year | 37 Months | 48 Months | 50 Months | 65 Months |
|---|---|---|---|---|
| 2012 & Newer | 4.49% | 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: June 23, 2017
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| 3 Year ARM** | 30 Years | 0 | call for rate | call for rate |
| 5 Year ARM** | 30 Years | 0 | call for rate | call for rate |
| 7 Year ARM** | 30 Years | 0 | call for rate | call for rate |
| 15 Year Fixed (Loan Amount $150,000) | 15 Years | 0 | 2.875% | 2.9708% |
| 15 Year Fixed (Loan Amount $200,000) | 15 Years | 0 | 2.875% | 2.9468% |
| 20 Year Fixed (Loan Amount $150,000) | 20 Years | 0 | 3.375% | 3.4502% |
| 20 Year Fixed (Loan Amount $200,000) | 20 Years | 0 | 3.375% | 3.4314% |
| 30 Year Fixed (Loan Amount $150,000) | 30 Years | 0 | 3.750% | 3.8047% |
| 30 Year Fixed (Loan Amount $200,000) | 30 Years | 0 | 3.750% | 3.7910% |
| 30 Year Fixed (Loan Amount $300,000) | 30 Years | 0 | 3.750% | 3.7773% |
| FHA Alternative (Purchases only) | 30 Years | 0 | 4.250% | 4.3148% |
| VA 30 Year Fixed (Loan Amount $150,000) | 30 Years | 0 | 3.750% | 3.9848% |
*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 $6.92 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.64 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*
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 2.74% | 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
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| Lot Loan - $35,000 (75% LTV) | 3 year balloon, 10 year amortization | 0 | 4.25% | 6.1875 |
| Lot Loan - $35,000 (80% LTV) | 3 year balloon, 10 year amortization | 0 | 4.99% | 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 June 1, 2017
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| VISA Platinum | 8.74% | Variable* |
| VISA | 10.24% | Variable** |
| Mastercard | 14.90% | Non-Variable |
| Business VISA Platinum | 8.24% | 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 June 1, 2017
| Standard | EcoPlus Account Bonus** | |||
|---|---|---|---|---|
| Dividends Calculated | Quarterly | Quarterly | ||
| Dividends Paid | Quarterly | Quarterly | ||
| Minimum Opening Deposit | $1000 | $1000 | ||
| Term of Certificate | Dividend Rate | APY* | Dividend Rate | APY* |
| 6 Months | 0.60% | 0.60% | 0.85% | 0.85% |
| 12 Months | 0.80% | 0.80% | 1.05% | 1.05% |
| 18 Months | 1.00% | 1.00% | 1.25% | 1.26% |
| 24 Months | 1.10% | 1.10% | 1.35% | 1.36% |
| 30 Months | 1.15% | 1.15% | 1.40% | 1.41% |
| 36 Months | 1.20% | 1.21% | 1.45% | 1.46% |
| 48 Months | 1.39% | 1.40% | 1.64% | 1.65% |
| 60 Months | 1.89% | 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 March 31, 2017
| Relationship Checking Account Balance* | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$1000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $1000 to $9999.99 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $1000 |
| $10,000 and above | 0.15% | 0.15% | 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 March 31, 2017
| Tier Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$2000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $2000 to $9999.99 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $2000 |
| $10,000 to $49,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $10,000 |
| $50,000 and above | 0.30% | 0.30% | 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 June 1, 2017
| High Yield Checking Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999 | 0.15% | 0.15% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.30% | 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 March 31, 2017
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| <$5000 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.25% | 0.25% | 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 June 1, 2017
| Money Market Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.30% | 0.30% | Avg. Daily Bal. | Avg. Daily Bal. | $25,000 |
| $50,000 and above | 0.40% | 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 March 31, 2017
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 0.80% | 0.80% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Business Share Savings
Dividend Yields as of March 31, 2017
| Tier Balance | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$5000 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.25% | 0.25% | 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 June 1, 2017
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.00 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.35% | 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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