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 | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2018 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2017 – 2015 | 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.
2018 & 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
2017-2015:
– 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
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2018 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2017 – 2015 | 3.04% | 3.29% | 3.54% | 4.04% | — |
| Model Year | 37 Months | 50 Months | 65 Months | ||
|---|---|---|---|---|---|
| 2018 & Newer | 4.74% | 4.99% | 5.24% | ||
| 2017 – 2015 | — | 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.
| Model Year | 37 Months | 50 Months | 65 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2018 & Newer | 2.54% | 2.79% | 2.79% | 3.04% | 3.04% |
| 2017 – 2015 | 3.04% | 3.29% | 3.54% | 4.04% | — |
| Model Year | 37 Months | 50 Months | 65 Months | ||
|---|---|---|---|---|---|
| 2018 & Newer | 3.99% | 4.24% | 4.49% | ||
| 2017 – 2015 | 5.24% | 5.49% | — |
| Model Year | 37 Months | 50 Months | 65 Months | ||
|---|---|---|---|---|---|
| 2018 & Newer | 4.74% | 4.99% | 5.24% | ||
| 2017 – 2015 | — | 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.
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2018 & Newer | 3.99% | 4.24% | 4.49% |
| 2017 – 2015 | 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.
| Model Year | 37 Months | 50 Months | 65 Months |
|---|---|---|---|
| 2018 & Newer | 4.74% | 4.99% | 5.24% |
| 2017 – 2015 | — | 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.
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 | 2.625% | 2.7202% |
| 20 Year Fixed | 20 Years | 0 | 3.125% | 3.1996% |
| 30 Year Fixed | 30 Years | 0 | 3.500% | 3.5539% |
| FHA Loan | 30 Years | 0 | 3.625% | 3.8244% |
| VA Loan | 30 Years | 0 | 3.375% | 3.6047% |
| USDA Loan | 30 Years | 0 | 3.625% | 3.8432% |
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 $6.72 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.48 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331.
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 4.49%* | 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. 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.
| 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.
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 | 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.
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 | 0.20% | 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% |
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.
Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, business accounts 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 | 0.10% | 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 $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 | 0.05% | 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.
| 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.
| 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 | 0.05% | 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.
| 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.