Credit Card Rates

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Rates as of February 1, 2025
Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard11.99%Variable*
Choice Mastercard13.49%Variable**
Choice Mastercard14.90%Non-Variable
Business Platinum Rewards Mastercard9.74%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.

All DuTrac branches will be closed on Thursday, November 28, for Thanksgiving.

The Asbury Branch lobby will be TEMPORARILY CLOSED until further notice. DRIVE-UP remains OPEN for members. Please consider using one of our other locations.

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 at 1:00PM on Tuesday, December 24 for Christmas Eve and all day Wednesday, December 25 for Christmas Day.

All DuTrac branches will be closed on Wednesday, January 1 for New Year's 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 17, 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.

Scheduled Maintenance Alert - March 12th from 10 PM to 12 AM. Home Banking, Mobile Link, and Access Line will be temporarily unavailable. For questions, please call 563-582-1331 or email members@dutrac.org.

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.