- Vehicles
- Real Estate
- Credit Cards
- Deposit Accounts
- Savings Accounts
New/Used Cars & Trucks
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2015 & Newer | 3.74% | 3.99% | 4.24% | 4.49% | 4.49% |
| 2014 - 2012 | 4.24% | 4.49% | 4.74% | 5.24% | -- |
*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.
Top
Motorcycles
Rates As Low As*
1200cc or larger
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2015 & Newer | 3.74% | 3.99% | 4.24% | 4.49% | 4.49% |
| 2014 - 2012 | 4.24% | 4.49% | 4.74% | 5.24% | -- |
under 1200cc
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 5.74% | 5.99% | 6.24% |
| 2014 - 2012 | -- | 6.99% | -- |
*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.
Top
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 |
|---|---|---|---|---|---|
| 2015 & Newer | 3.74% | 3.99% | 4.24% | 4.49% | 4.49% |
| 2014-2012 | 4.24% | 4.49% | 4.74% | 5.24% | -- |
RVs/Travel Trailers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 4.99% | 5.24% | 5.49% |
| 2014 - 2012 | 6.24% | 6.49% | -- |
Pop Up Campers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 5.74% | 5.99% | 6.24% |
| 2014 - 2012 | -- | 6.99% | -- |
*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.
Top
Boats
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 4.99% | 5.24% | 5.49% |
| 2014 - 2012 | 6.24% | 6.49% | -- |
*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.
Top
ATVs, Jet skis, Snowmobiles, Lawn Tractors
Rates As Low As*
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2015 & Newer | 5.74% | 5.99% | 6.24% |
| 2014 - 2012 | -- | 6.99% | -- |
*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.
Top
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. Rates and terms assume owner-occupied, single-family property for the loan amount. The home loan rates and terms listed here are example only and are subject to change without notice. Rates may vary due to subject property, loan characteristics, credit qualifications and other factors. Property and flood insurance may be required. Example is for purchase only. 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: July 19, 2019
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| 15 Year Fixed | 15 Years | 0 | 3.125% | 3.2215% |
| 20 Year Fixed | 20 Years | 0 | 3.500% | 3.5756% |
| 30 Year Fixed | 30 Years | 0 | 3.750% | 3.8047% |
| FHA Loan | 30 Years | 0 | 3.375% | 3.5715% |
| VA Loan | 30 Years | 0 | 3.500% | 3.7314% |
| USDA Loan | 30 Years | 0 | 4.125% | 4.3497% |
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $6.96 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.
Home Equity Plus Line of Credit
Rates As Low As*
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 4.99% | Variable** | Based on the loan amount borrowed. |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
**May adjust quarterly based on 13 week Treasury Bill rounded up to the next 1/4% + Margin. Maximum rate of 18% APR. Rate may vary after account is opened. A fee for appraisal may be required and can average between $150-$450. Property insurance is required. Finance charges begin to accrue on the day a draw is taken. No grace period applies.
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.
Top
Credit Cards
Rates as of July 1, 2019
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| Platinum Rewards Mastercard | 10.24% | Variable* |
| Choice Mastercard | 11.74% | Variable** |
| Choice Mastercard | 14.90% | Non-Variable |
| Business Platinum Rewards Mastercard | 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.
Top
Certificates of Deposit (CD)
Rates as of July 1, 2019
| 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* |
| 15 Month Special*** | 2.62% | 2.65% | N/A | N/A |
| 48 Month Bump Up Special*** | 3.21% | 3.25% | N/A | N/A |
| 6 Months | 0.80% | 0.80% | 1.05% | 1.05% |
| 12 Months | 1.19% | 1.20% | 1.44% | 1.44% |
| 18 Months | 1.39% | 1.40% | 1.64% | 1.65% |
| 24 Months | 1.54% | 1.55% | 1.79% | 1.80% |
| 30 Months | 1.65% | 1.66% | 1.90% | 1.91% |
| 36 Months | 1.75% | 1.76% | 2.00% | 2.02% |
| 48 Months | 1.90% | 1.91% | 2.15% | 2.17% |
| 60 Months | 2.23% | 2.25% | 2.48% | 2.50% |
*APY = Annual Percentage Yield
**Checking accounts require an opening deposit of $25. Rate may change after the account is opened.
***Minimum deposit of $5,000 required, regardless of age. 15-month CD will automatically renew for a 12-month term and rate at maturity. 48-month Bump Up will renew at the standard 48-month term and rate at maturity. Member allowed to increase 48-month Bump Up rate one time during the original term to that of the current DuTrac 48-month standard CD rate. The newly elected rate will go into effect for the remaining life of the original term. Member responsible for communicating Bump Up rate request.
Rates are subject to change without notice.
Early withdrawal penalties may be imposed.
Not valid for brokered deposits, institutional investors, business accounts, or Public Funds.
Top
Checking Account
Dividend Yields as of June 30, 2019
| 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 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $1000 |
| $10,000 and above | 0.35% | 0.35% | 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.
Top
Relationship Business Checking Account
Dividend Yields as of June 30, 2019
| 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 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $2000 |
| $10,000 to $49,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Quarterly | $10,000 |
| $50,000 and above | 0.50% | 0.50% | Avg. Daily Bal. | Quarterly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $100.
Rate may change after the account is opened.
Top
High Yield Checking
Dividend Yields as of July 1, 2019
| 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 | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999 | 0.55% | 0.55% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.55% | 0.55% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.65% | 0.65% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Top
Share Savings & Sub-Share Savings
Dividend Yields as of June 30, 2019
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| <$5000 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.45% | 0.45% | 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.
Top
Money Market Savings
Dividend Yields as of July 1, 2019
| 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 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.60% | 0.60% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.80% | 0.80% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Top
IRA Savings, Holiday/Vacation Club, Escrow Accounts
Dividend Yields as of June 30, 2019
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 1.20% | 1.21% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Top
Business Share Savings
Dividend Yields as of June 30, 2019
| Tier Balance | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$5000 | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.35% | 0.35% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Quarterly | $25,000 |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
Top
Health Savings Accounts
Dividend Yields as of July 1, 2019
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.55% | 0.55% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.00 | 0.60% | 0.60% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.65% | 0.65% | 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.
Top