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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 Year37 Months50 Months65 Months72 Months84 Months
2017 & Newer2.54%2.79%2.79%3.04%3.04%
2016-20143.04%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

1200cc or larger
Model Year37 Months50 Months65 Months72 Months84 Months
2017 & Newer2.54%2.79%2.79%3.04%3.04%
2016 – 20143.04%3.29%3.54%4.04%
under 1200cc
Model Year37 Months50 Months65 Months
2017 & Newer4.74%4.99%5.24%
2016 – 20145.99%

*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.

Motor Homes
Model Year37 Months50 Months65 Months72 Months84 Months
2017 & Newer2.54%2.79%2.79%3.04%3.04%
2016-20143.04%3.29%3.54%4.04%
RVs/Travel Trailers
Model Year37 Months50 Months65 Months
2017 & Newer3.99%4.24%4.49%
2016-20145.24%5.49%
Pop Up Campers
Pop Up Campers
Model Year37 Months50 Months65 Months
2017 & Newer4.74%4.99%5.24%
2016-20145.99%

*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.

Model Year37 Months50 Months65 Months
2017 & Newer3.99%4.24%4.49%
2016-20145.24%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.

Model Year37 Months50 Months65 Months
2017 & Newer4.74%4.99%5.24%
2016-20145.99%

*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.

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.

Rates as of October 22, 2021
TypeTermPointsRateAnnual Percentage Rate (APR)
15 Year Fixed15 Years02.375%2.4695%
20 Year Fixed20 Years02.750%2.8235%
30 Year Fixed30 Years03.125%3.1777%
FHA Loan30 Years03.250%3.4451%
VA Loan30 Years02.875%3.0982%
USDA Loan30 Years03.000%3.2104%

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 $6.60 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.28 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331.

 

 

RateTypeTerm
Home Equity Plus Line of Credit4.49%*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 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.

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.

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.

Rates as of October 1, 2021.
Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard7.99%Variable*
Choice Mastercard9.49%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.

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.

Rates as of October 1, 2021
StandardEcoPlus Account Bonus**
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY*Dividend RateAPY*
6 Months0.20%0.20%0.45%0.45%
12 Months0.30%0.30%0.55%0.55%
18 Months0.35%0.35%0.60%0.60%
24 Months0.40%0.40%0.65%0.65%
30 Months0.45%0.45%0.70%0.70%
36 Months0.50%0.50%0.75%0.75%
48 Months0.60%0.60%0.85%0.85%
60 Months0.75%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.

Dividend Yields as of September 30, 2021
Relationship Checking Account Balance*Dividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$10000.00%0.00%Avg. Daily Bal.QuarterlyNone
$1000 to $9999.990.05%0.05%Avg. Daily Bal.Quarterly$1000
$10,000 and above0.10%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.

Dividend Yields as of September 30, 2021
Tier BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$20000.00%0.00%Avg. Daily Bal.QuarterlyNone
$2000 to $9999.990.05%0.05%Avg. Daily Bal.Quarterly$2000
$10,000 to $49,999.990.10%0.10%Avg. Daily Bal.Quarterly$10,000
$50,000 and above0.15%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.

Dividend Yields as of October 1, 2021
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 $24,999.990.15%0.15%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.20%0.20%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.25%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.

Savings Accounts Rates

Retirement, vacation, holidays, even healthcare costs—whatever your financial goals, there’s a smart savings option for you.

Dividend Yields as of September 30, 2021
Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
<$50000.05%0.05%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.10%0.10%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.15%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.

Dividend Yields as of October 1, 2021
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 $49,999.990.35%0.35%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.45%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.

Dividend Yields as of September 30, 2021
Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA0.55%0.55%Avg. Daily Bal.QuarterlyNo Minimum
Christmas/Holiday Club0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum
Vacation Club0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum
Escrow0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum

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

Dividend Yields as of September 30, 2021
Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$50000.05%0.05%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.10%0.10%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.15%0.15%Avg. Daily Bal.Quarterly$25,000

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

Dividend Yields as of October 1, 2021
Health Savings BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.05%0.05%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.10%0.10%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.15%0.15%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.20%0.20%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.25%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.

* Membership in DuTrac Community Credit Union is a condition of this offer. To qualify for membership, certain eligibility requirements must be met. Member Advantage offer applies to any secured consumer loans brought in to DuTrac Community Credit Union from another financial institution. Loan approval is subject to DuTrac’s normal underwriting guidelines and some restrictions apply. Borrower’s credit score must be 640 or higher at the time of the loan application.