Rates
Loan and Deposit Account Rates
Have an existing loan with another lender? Ask about the DuTrac Member Advantage. Receive up to 1%* less interest than you’re currently paying for the remaining term of any secured consumer loan(s). If DuTrac’s standard rate is even lower, you’ll receive the lower rate. Lowering payments and making cash available has never been easier.
Make the move to DuTrac. Contact us or stop by any of our locations today.
Vehicle Loan Rates
Low fixed rates and up to 100% financing make the road to ownership easy. Be sure to ask for DuTrac when shopping at the dealership. Learn more about all the benefits of a DuTrac vehicle loan and use the Auto and Vehicle Calculators to estimate and compare.
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2020 & Newer | 3.04% | 3.14% | 3.24% | 3.34% | 3.44% |
| 2019 – 2018 | 3.14% | 3.24% | 3.34% | 3.44% | 3.54% |
| 2017 – 2015 | 3.64% | 3.74% | 3.84% | 3.94% | — |
*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.
2020 & Newer:
– 37 Months at 3.04%; 37 payments at $28.35 per $1,000 borrowed; Monthly Payments
– 50 Months at 3.14%; 50 payments at $21.36 per $1,000 borrowed; Monthly Payments
– 66 Months at 3.24%; 66 payments at $16.56 per $1,000 borrowed; Monthly Payments
– 72 Months at 3.34%; 72 payments at $15.35 per $1,000 borrowed; Monthly Payments
– 84 Months at 3.44%; 84 payments at $13.41 per $1,000 borrowed; Monthly Payments
2019-2018:
– 37 Months at 3.14%; 37 payments at $28.39 per $1,000 borrowed; Monthly Payments
– 50 Months at 3.24%; 50 payments at $21.41 per $1,000 borrowed; Monthly Payments
– 66 Months at 3.34%; 66 payments at $16.61 per $1,000 borrowed; Monthly Payments
– 72 Months at 3.44%; 72 payments at $15.39 per $1,000 borrowed; Monthly Payments
– 84 Months at 3.54%; 84 payments at $13.46 per $1,000 borrowed; Monthly Payments
2017-2015:
– 37 Months at 3.64%; 37 payments at $28.61 per $1,000 borrowed; Monthly Payments
– 50 Months at 3.74%; 50 payments at $21.63 per $1,000 borrowed; Monthly Payments
– 66 Months at 3.84%; 66 payments at $16.83 per $1,000 borrowed; Monthly Payments
– 72 Months at 3.94%; 72 payments at $15.62 per $1,000 borrowed; Monthly Payments
1200cc or larger
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2020 & Newer | 3.04% | 3.14% | 3.24% | 3.34% | 3.44% |
| 2019 – 2018 | 3.14% | 3.24% | 3.34% | 3.44% | 3.54% |
| 2017 – 2015 | 3.64% | 3.74% | 3.84% | 3.94% | — |
Under 1200cc
| Model Year | 37 Months | 50 Months | 66 Months | ||
|---|---|---|---|---|---|
| 2020 & Newer | 5.34% | 5.59% | 5.84% | ||
| 2019 – 2018 | 5.44% | 5.69% | 5.94% | ||
| 2017 – 2015 | — | 6.59% | — |
*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.
Motor Homes
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months | 120 Months |
|---|---|---|---|---|---|---|
| 2020 & Newer | 3.04% | 3.14% | 3.24% | 3.34% | 3.44% | 4.79% |
| 2019 – 2018 | 3.14% | 3.24% | 3.34% | 3.44% | 3.54% | 4.89% |
| 2017 – 2015 | 3.64% | 3.74% | 3.84% | 3.94% | — | 5.64% |
RVs/Travel Trailers
| Model Year | 37 Months | 50 Months | 66 Months | 120 Months (Models 25′ and longer) | |
|---|---|---|---|---|---|
| 2020 & Newer | 4.59% | 4.84% | 4.99% | 5.14% | |
| 2019 – 2018 | 4.69% | 4.89% | 5.04% | 5.19% | |
| 2017 – 2015 | 5.84% | 5.99% | — | 6.14% |
Pop Up Campers
| Model Year | 37 Months | 50 Months | 66 Months | ||
|---|---|---|---|---|---|
| 2020 & Newer | 5.34% | 5.59% | 5.84% | ||
| 2019 – 2018 | 5.44% | 5.69% | 5.94% |
*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.
Boats
| Model Year | 37 Months | 50 Months | 66 Months | 120 Months (Models 25′ and longer) |
|---|---|---|---|---|
| 2020 & Newer | 4.59% | 4.84% | 4.99% | 5.14% |
| 2019 – 2018 | 4.69% | 4.89% | 5.04% | 5.19% |
| 2017 – 2015 | 5.84% | 5.99% | — | 6.14% |
*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.
| Model Year | 37 Months | 50 Months | 66 Months |
|---|---|---|---|
| 2020 & Newer | 5.34% | 5.59% | 5.84% |
| 2019 – 2018 | 5.44% | 5.69% | 5.94% |
*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.
Home Loan Rates
Whether you’re purchasing a new home or refinancing your existing home, a DuTrac Mortgage is designed to be built from the ground up—to fit your unique needs. Learn more about our range of lending options and use the mortgage calculators for additional information.
Our Real Estate Lending Team is ready when you are. Contact us or stop by any of our DuTrac locations to schedule a mortgage consultation.
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| 15 Year Fixed | 15 Years | 0 | 4.250% | 4.3496% |
| 20 Year Fixed | 20 Years | 0 | 4.625% | 4.7039% |
| 30 Year Fixed | 30 Years | 0 | 5.125% | 5.1843% |
| FHA Loan | 30 Years | 0 | 5.000% | 5.3159% |
| VA Loan | 30 Years | 0 | 5.000% | 5.2529% |
| USDA Loan | 30 Years | 0 | 5.125% | 5.3635% |
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 for up to the minute information.
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $7.50 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $5.44 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331.
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 1.89%* | Variable** | Based on the loan amount borrowed. |
*The introductory 1.89% 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, 2022. Maximum HELOC term is 15 years. After December 31, 2022, the floor rate will convert to either 3.99% APR for borrowers with a credit score of 740 or higher, 4.49% for borrowers with a credit score between 720 and 739 or 5.24% for borrowers with a credit score between 670-719, with the best rate effective on January 1, 2023. Rate after December 31, 2022, 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 rate of 18% APR. Rates shown are for homeowners with 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 April 1, 2022. 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. Memberships 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 is required. Property appraisal may be required with fees averaging an estimated $150-$450. Total closing costs may range from $0-$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, 2022.
| 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.
Personal Loan Rates
Surprise expenses, financing a dream, or simply streamlining your finances can all benefit from a personal loan.
| Term | Annual Percentage Rate |
|---|---|
| 24 months | 7.94% |
| 37 months | 8.19% |
| 48 months | 8.44% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac’s standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice.
Credit Cards
Our suite of credit cards offers a range of options for members, whether you’re establishing your credit, interested in earning points for your purchases, or supporting your small business goals.
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| Platinum Rewards Mastercard | 8.49% | Variable* |
| Choice Mastercard | 9.99% | 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.
Deposit Accounts Rates
Set your financial goals in motion with DuTrac deposit accounts. From checking accounts with added benefits to certificates with flexible terms, there’s something for your unique needs.
| Standard | EcoPlus Account Bonus* | |||
|---|---|---|---|---|
| Dividends Calculated | Quarterly | Quarterly | ||
| Dividends Paid | Quarterly | Quarterly | ||
| Minimum Opening Deposit | $1000 | $1000 | ||
| Term of Certificate | Dividend Rate | APY¹ | Dividend Rate | APY¹ |
| 6 Months | 0.35% | 0.35% | 0.60% | 0.60% |
| 9 Months** | 1.24% | 1.25% | n/a | n/a |
| 12 Months | 0.45% | 0.45% | 0.70% | 0.70% |
| 18 Months | 0.50% | 0.50% | 0.75% | 0.75% |
| 24 Months | 0.55% | 0.55% | 0.80% | 0.80% |
| 30 Months | 0.60% | 0.60% | 0.85% | 0.85% |
| 36 Months | 0.85% | 0.85% | 1.10% | 1.10% |
| 39 Months*** | 2.72% | 2.75% | n/a | n/a |
| 48 Months | 1.10% | 1.10% | 1.35% | 1.36% |
| 60 Months | 1.34% | 1.35% | 1.59% | 1.60% |
¹APY = Annual Percentage Yield
*Electronic statements and recurring direct deposit required to receive EcoPlus Account. Other eligibility requirements may apply. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Checking accounts require an opening deposit of $25. Rate may change after the account is opened. Dividends begin to accrue on the first day member funds are made available and the Certificate of Deposit is issued. Interest dividends on your certificate will be credited by adding the interest to the principal. Interest rate locked when account is opened. A penalty may be imposed for early withdrawal and fees could reduce earnings on account. Withdrawal of earnings could reduce APY. Other rates and terms available. Membership required and subject to qualifications. Minimum $5 share deposit required.
**9 month special CD will automatically renew for a standard 6 month term & rate at maturity. Minimum deposit $500, regardless of age. EcoPlus Checking Account Bonus of .25% does NOT apply.
***39 month special CD will automatically renew for a standard 36 month term & rate at maturity. Minimum deposit $500, regardless of age. EcoPlus Checking Account Bonus of .25% does NOT apply.
Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, or Public Funds
| 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.
| 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.
| 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 | 0.20% | 0.20% | 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. | 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 $2,500.
Rate may change after the account is opened.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
Savings Accounts Rates
Retirement, vacation, holidays, even healthcare costs—whatever your financial goals, there’s a smart savings option for you.
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| <$5000 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.20% | 0.20% | 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.
| 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 | 0.30% | 0.30% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.40% | 0.40% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.60% | 0.60% | 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 or Public Funds.
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 0.55% | 0.55% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
| 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.
| 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 $49,999.99 | 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 $25.
$2.00 monthly service fee if balance is less than $1,000.
Rate may change after the account is opened.