- 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 |
|---|---|---|---|---|---|
| 2017 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2016 - 2014 | 3.04% | 3.29% | 3.54% | 4.04% | -- |
*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 110% applies. Rates are subject to change without notice. Loans for over 110% LTV and older models with flexible payments also available at similar money saving rates.
2017 & Newer:
– 37 Months at 2.54%; 37 payments at $28.14 per $1,000 borrowed; Monthly Payments
– 50 Months at 2.79%; 50 payments at $21.22 per $1,000 borrowed; Monthly Payments
– 65 Months at 2.79%; 65 payments at $16.60 per $1,000 borrowed; Monthly Payments
– 72 Months at 3.04%; 72 payments at $15.22 per $1,000 borrowed; Monthly Payments
– 84 Months at 3.04%; 84 payments at $13.24 per $1,000 borrowed; Monthly Payments
2016-2014:
– 37 Months at 3.04%; 37 payments at $28.36 per $1,000 borrowed; Monthly Payments
– 50 Months at 3.29%; 50 payments at $21.44 per $1,000 borrowed; Monthly Payments
– 65 Months at 3.54%; 65 payments at $16.94 per $1,000 borrowed; Monthly Payments
– 72 Months at 4.04%; 72 payments at $15.68 per $1,000 borrowed; Monthly Payments
Motorcycles
Rates As Low As*
1200cc or larger
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2017 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2016 - 2014 | 3.04% | 3.29% | 3.54% | 4.04% | -- |
under 1200cc
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2017 & Newer | 4.74% | 4.99% | 5.24% |
| 2016 - 2014 | -- | 5.99% | -- |
*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 110% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Loans for over 110% 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 |
|---|---|---|---|---|---|
| 2017 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2016-2014 | 3.04% | 3.29% | 3.54% | 4.04% | -- |
RVs/Travel Trailers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2017 & Newer | 3.99% | 4.24% | 4.49% |
| 2016-2014 | 5.24% | 5.49% | -- |
Pop Up Campers
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2017 & Newer | 4.74% | 4.99% | 5.24% |
| 2016-2014 | -- | 5.99% | -- |
*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 110% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Loans for over 110% 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 |
|---|---|---|---|
| 2017 & Newer | 3.99% | 4.24% | 4.49% |
| 2016-2014 | 5.24% | 5.49% | -- |
*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 110% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Loans for over 110% 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 | 50 Months | 65 Months |
|---|---|---|---|
| 2017 & Newer | 4.74% | 4.99% | 5.24% |
| 2016-2014 | -- | 5.99% | -- |
*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 110% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Loans for over 110% 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. 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 23, 2021
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| 15 Year Fixed | 15 Years | 0 | 2.250% | 2.3442% |
| 20 Year Fixed | 20 Years | 0 | 2.625% | 2.6982% |
| 30 Year Fixed | 30 Years | 0 | 2.750% | 2.8016% |
| FHA Loan | 30 Years | 0 | 2.750% | 2.9396% |
| VA Loan | 30 Years | 0 | 2.500% | 2.7185% |
| USDA Loan | 30 Years | 0 | 2.750% | 2.9574% |
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $6.54 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.08 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 | 4.49%* | Variable** | Based on the loan amount borrowed. |
| Home Equity Plus Line of Credit Special Promotion | 1.75% APR*** | Variable** | Based on the loan amount borrowed. |
*Rates are stated as Annual Percentage Rate (APR) and are subject to change without notice. Rate depends on credit qualifications and approval. Best rate based on current index would be 4.49% APR or 5.25% APR based on individual credit qualifications beginning January 1, 2021. Maximum rate of 18% APR. Rates shown are for homeowners with maximum 80% CLTV (first mortgage balance plus HELOC limit divided by property value). The minimum loan amount is $10,000. HELOC account holder must have direct deposit to a DuTrac Community Credit Union checking account with auto pay to the loan. An appraisal fee may be required and can average between $150-$450. Property insurance is required. Some restrictions may 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.
**May adjust quarterly based on 13 week Treasury Bill rounded up to the next 1/4% + Margin. Rate may vary after account is opened. You must pay certain fees to third parties and closing costs to open the plan. These fees generally total between $50.00 and $650.00. Closing cost may be waived if the loan is on auto-pay and you have your payroll on direct deposit with us.
***The 1.75% introductory APR (Annual Percentage Rate) is for credit qualified members who open a new Home Equity Line of Credit (HELOC) with DuTrac on or before September 30, 2021. After December 31, 2021, the floor rate will convert to either 4.49% APR for borrowers with a credit score of 720 or higher or 5.24% APR for borrowers with a credit score between 670 and 719 with the best rate effective on January 1, 2022. Rate after December 31, 2021 is based on the 13-week U.S. Treasury Bill Index. Account holder’s rate is based on standard credit qualifications and approval by authorized staff. Maximum 18% APR. Rates shown are for homeowners with a maximum 80% CLTV (calculated as first mortgage balance plus HELOC limit divided by property value). Introductory APR and floor rate APRs are accurate as of 04/01/2021. Minimum HELOC loan amount is $10,000. HELOC account holder is required to be a member of DuTrac Community Credit Union by purchasing $5 in membership shares. Membership Shares are placed in a share savings account. HELOC account holder must have direct deposit into a DuTrac share draft (checking) account with auto pay at all times the HELOC loan is available to account holder. Property insurance required. Property appraisal may be required with fees averaging an estimated $150 – $450. Total closing costs may range from $0 to $450. Finance charges will begin to accrue only after a draw on the new HELOC is taken by the account holder. No grace period applies. Not valid for existing HELOC or a refinanced HELOC currently at DuTrac. Not valid with any other offers. Offer may end at any time without notice. Offer is no longer valid after September 30, 2021.
The minimum payment may not reduce the principle that is outstanding on your plan. You may then be required to make a single balloon payment at the time your payoff period at the time of your last advance expires or the final payment date, whichever occurs first. Unless otherwise required by applicable law, we are under no obligation to refinance the balloon payment at that time. You may be required to make payments out of other assets you own or find a lender, which may be us, willing to lend you the money. If you refinance the balloon with us, you may have to pay some or all of the closing costs.
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 July 1, 2021
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| Platinum Rewards Mastercard | 7.99% | Variable* |
| Choice Mastercard | 9.49% | 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.
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Certificates of Deposit (CD)
Rates as of July 1, 2021
| 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 | 0.20% | 0.20% | 0.45% | 0.45% |
| 12 Months | 0.30% | 0.30% | 0.55% | 0.55% |
| 18 Months | 0.35% | 0.35% | 0.60% | 0.60% |
| 24 Months | 0.40% | 0.40% | 0.65% | 0.65% |
| 30 Months | 0.45% | 0.45% | 0.70% | 0.70% |
| 36 Months | 0.50% | 0.50% | 0.75% | 0.75% |
| 48 Months | 0.60% | 0.60% | 0.85% | 0.85% |
| 60 Months | 0.75% | 0.75% | 1.00% | 1.00% |
*APY = Annual Percentage Yield
**Checking accounts require an opening deposit of $25. Rate may change after the account is opened.
Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
A penalty may be imposed for early withdrawal.
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Checking Account
Dividend Yields as of June 30, 2021
| 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 | 0.10% | 0.10% | 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 June 30, 2021
| 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 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $10,000 |
| $50,000 and above | 0.15% | 0.15% | 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 July 1, 2021
| 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 | 0.25% | 0.25% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
A penalty may be imposed for early withdrawal.
Share Savings & Sub-Share Savings
Dividend Yields as of June 30, 2021
| 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 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.15% | 0.15% | 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 July 1, 2021
| 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 | 0.35% | 0.35% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.45% | 0.45% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
A penalty may be imposed for early withdrawal.
IRA Savings, Holiday/Vacation Club, Escrow Accounts
Dividend Yields as of June 30, 2021
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 0.65% | 0.65% | 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 June 30, 2021
| 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 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.15% | 0.15% | 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 July 1, 2021
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.05% | 0.05% | 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 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.25% | 0.25% | 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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