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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 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.

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months72 Months84 Months
2022 & Newer5.84%5.94%6.04%6.14%6.24%
2021 – 20205.94%6.04%6.14%6.24%6.34%
2019 – 20177.04%7.14%7.24%7.34%

*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. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.

 

2022 & Newer:

– 37 Months at 5.84%; 37 payments at $29.60 per $1,000 borrowed; Monthly Payments
– 50 Months at 5.94%; 50 payments at $22.63 per $1,000 borrowed; Monthly Payments
– 66 Months at 6.04%; 66 payments at $17.85 per $1,000 borrowed; Monthly Payments
– 72 Months at 6.14%; 72 payments at $16.64 per $1,000 borrowed; Monthly Payments
– 84 Months at 6.24%; 84 payments at $14.72 per $1,000 borrowed; Monthly Payments

2021-2020:

– 37 Months at 5.94%; 37 payments at $29.64 per $1,000 borrowed; Monthly Payments
– 50 Months at 6.04%; 50 payments at $22.67 per $1,000 borrowed; Monthly Payments
– 66 Months at 6.14%; 66 payments at $17.89 per $1,000 borrowed; Monthly Payments
– 72 Months at 6.24%; 72 payments at $16.69 per $1,000 borrowed; Monthly Payments
– 84 Months at 6.34%; 84 payments at $14.77 per $1,000 borrowed; Monthly Payments

2019-2017:

– 37 Months at 7.04%; 37 payments at $30.15 per $1,000 borrowed; Monthly Payments
– 50 Months at 7.14%; 50 payments at $23.18 per $1,000 borrowed; Monthly Payments
– 66 Months at 7.24%; 66 payments at $18.41 per $1,000 borrowed; Monthly Payments
– 72 Months at 7.34%; 72 payments at $17.21 per $1,000 borrowed; Monthly Payments

1200cc or larger

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months72 Months84 Months
2022 & Newer5.84%5.94%6.04%6.14%6.24%
2021 – 20205.94%6.04%6.14%6.24%6.34%
2019 – 20177.04%7.14%7.24%7.34%

Under 1200cc

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months
2022 & Newer8.44%8.69%8.94%
2021 – 20208.54%8.79%9.04%
2019-20179.69%

*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. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.

Motor Homes

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months72 Months84 Months120 Months
2022 & Newer5.84%5.94%6.04%6.14%6.24%7.59%
2021 – 20205.94%6.04%6.14%6.24%6.34%7.69%
2019 – 20177.04%7.14%7.24%7.34%9.04%

RVs/Travel Trailers

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months120 Months (Models 25′ and longer)
2022 & Newer7.69%7.94%8.09%8.24%
2021 – 20207.79%7.99%8.14%8.29%
2019 – 20178.94%9.09%9.24%

Pop Up Campers

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months72 Months (Minimum $15,000 Loan Amount)
2022 & Newer8.44%8.69%8.94%9.09%
2021 – 20208.54%8.79%9.04%

*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. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.

Boats

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months120 Months (Models 25′ and longer)
2022 & Newer7.69%7.94%8.09%8.24%
2021 – 20207.79%7.99%8.14%8.29%
2019 – 20178.94%9.09%9.24%

*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. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. 

Rates effective October 7, 2024
Model Year37 Months50 Months66 Months72 Months (Minimum $15,000 Loan Amount)
2022 & Newer8.44%8.69%8.94%9.09%
2021 – 20208.54%8.79%9.04%

*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. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. 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 11/01/2024
TermRateAnnual Percentage Rate (APR)
15 Year Fixed5.750%5.905%
20 Year Fixed6.375%6.501%
30 Year Fixed6.500%6.596%

FHA, USDA, VA and ARM loans are also available. Please call for rates.

Real Estate rates are accurate as of the date shown and are subject to change. 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 examples 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. The examples are for purchase only.

Other rates and terms available. Please call 563-582-1331.

Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $8.31 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $6.33 per $1,000 borrowed.

If a first lien on the dwelling, example payments do not include amounts for property taxes and insurance premiums and the actual payment obligation will be greater by the amount of property taxes and insurance premiums paid, respectively.

 

 

 

 

Rate effective as of October 1, 2024
RateTypeTerm
Home Equity Plus Line of Credit6.99%*VariableBased on the loan amount borrowed.
Home Equity Plus Line of Credit Introductory Rate4.99%**FixedBased on the loan amount borrowed.

*APR = Annual Percentage Rate. Rates are based on the 13-week Treasury Bill Index plus an applied margin. APR may vary based on an individual’s credit score and loan to value ratio. Best standard rate of 6.99% APR is accurate as of October 1, 2024. Rate quoted is based on homeowners with a minimum 720 credit score and with a maximum 80% CLTV (calculated as first mortgage balance plus HELOC limit divided by property value). Maximum APR is 18%. All rates and terms subject to change without notice.  HELOCs are subject to DuTrac’s standard lending and credit underwriting practices.  Closing costs may vary and range from $0 – $675, including appraisal fee, if needed. HELOC account holder must reside within the DuTrac Community Credit Union service area and $5 is the requirement to purchase one par value share to establish a membership account. No grace period applies. No prepayment penalties charged.
**The introductory 4.99% APR (Annual Percentage Rate) is for a new Home Equity Line of Credit (HELOC) with DuTrac to credit qualified members with a 680 credit score or higher. Maximum 90% CLTV. (Combined loan-to-value = 90% of property valuation minus first mortgage balance). After the nine month introductory period, the rate is based on the 13-week U.S. Treasury Bill Index plus a margin based on credit score and CLTV. Account holder’s rate is based on standard credit qualifications, with a non-discounted variable rate as low as 6.99% APR. Maximum rate of 18% APR. Introductory and Non-Introductory APR accurate as of October 1, 2024. 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. Property insurance is required. Maximum HELOC term is 15 years. Property appraisal may be required with fees averaging an estimated $150-$450. Total closing costs may range from $0-$675. 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.

TypeTermPointsRateAnnual Percentage Rate (APR)
Lot Loan – $35,000 (75% LTV)3 year balloon, 10 year amortization06.875%7.5120%
Lot Loan – $35,000 (80% LTV)3 year balloon, 10 year amortization07.375%8.0180%

*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.

Rates as of October 7, 2024
TermAnnual Percentage Rate
24 months11.34%
37 months11.59%
48 months11.84%

*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.

Rates as of November 1, 2024
Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard12.49%Variable*
Choice Mastercard13.99%Variable**
Choice Mastercard14.90%Non-Variable
Business Platinum Rewards Mastercard10.24%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.

*Please note fees associated or imposed for these accounts could reduce the APY.

Rates as of November 1, 2024
StandardEcoPlus Account Bonus*
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY¹Dividend RateAPY¹
6 Months1.00%1.00%1.25%1.26%
9 Months Special**4.91%5.00%n/an/a
12 Months1.24%1.25%1.49%1.50%
18 Months1.49%1.50%1.74%1.75%
21 Months Special**
4.18%4.25%n/an/a
21 Months Jumbo Special**4.28%4.35%n/an/a
24 Months1.74%1.75%1.99%2.00%
30 Months1.99%2.00%2.24%2.26%
35 Months Special**3.70%3.75%n/an/a
35 Months Jumbo Special**3.795%3.85%n/an/a
36 Months2.23%2.25%2.48%2.50%
48 Months2.48%2.50%2.73%2.76%

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. Dividends on CDs are compounded and paid quarterly, or at maturity. Dividends on your certificate will be credited by adding the dividend 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. 

**Minimum amount to open any Special Rate Certificate is $500 or $100,000 for any Jumbo Special Rate Certificate. EcoPlus Checking Account Bonus of .25% does NOT apply. 9-month special CD will automatically renew for a standard 12-month term and rate at maturity. 21-month special CD and jumbo special CD will automatically renew for a standard 24-month term and rate at maturity. 35-month special CD and jumbo special CD will automatically renew for a standard 36-month term and rate at maturity.

Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, or Public Funds

Dividend Yields as of September 30, 2024
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

*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, 2024
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 effective November 1, 2024
High Yield Checking BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.20%0.20%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.30%0.30%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.50%0.50%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.70%0.70%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.

*Please note fees associated or imposed for these accounts could reduce the APY.

Dividend Yields as of September 30, 2024
Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
<$50000.10%0.10%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.15%0.15%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.20%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.

Dividend Yields effective November 1, 2024
Money Market BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.40%0.40%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.70%0.70%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.991.00%1.00%Avg. Daily Bal.Monthly$25,000
$50,000 and above1.30%1.31%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.

Dividend Yields as of September 30, 2024
Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA0.50%0.50%Avg. Daily Bal.QuarterlyNo Minimum
Christmas/Holiday Club0.25%0.25%Avg. Daily Bal.QuarterlyNo Minimum
Vacation Club0.25%0.25%Avg. Daily Bal.QuarterlyNo Minimum
Escrow0.25%0.25%Avg. Daily Bal.QuarterlyNo Minimum

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

Dividend Yields as of September 30, 2024
Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$50000.10%0.10%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.15%0.15%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.20%0.20%Avg. Daily Bal.Quarterly$25,000

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

Dividend Yields effective November 1, 2024
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 $24,999.990.20%0.20%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.30%0.30%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.40%0.40%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.

All DuTrac offices will be closed Wednesday, June 19, for Juneteenth.

All DuTrac branches will be closed on Thursday, July 4, for Independence Day.

All DuTrac branches will be closed on Monday, September 2, for Labor Day.

All DuTrac branches will be closed on Monday, January 15, in observance of Martin Luther King Jr. day.

All DuTrac branches will be closed on Monday, February 19, for Presidents' Day.

All DuTrac branches will be closed on Monday, May 27, for Memorial Day.

Credit card activity will be unavailable for viewing through e-banking or CardValet until Tuesday, October 15 while we upgrade our system.

All DuTrac branches will be closed on Monday, November 11, for Veterans Day.

All DuTrac branches will be closed on Monday, December 25, for Christmas Day.

All DuTrac branches will be closed on Monday, January 1, for New Year's Day.

Due to inclement weather, all DuTrac branches will close at 1:00 PM today, January 9. Online banking, AccessLine, ATMs and our app are available 24/7 for your convenience.