What are the current interest rates at DuTrac Community Credit Union?

Current rates for DuTrac Community Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.50%, 24-Month CD: 2.00%, 60-Month CD: 2.00%, Savings: 1.21%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
DuTrac Community Credit Union

iAdvertiser Disclosure

DuTrac Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, DuTrac Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

DuTrac Community Credit Union's top rates as of October 9, 2026 are 4.35% APY on its 19 Month CD Special, 1.21% APY on savings, 0.50% APY on checking, 6.75% on its 15 Year Fixed mortgage, personal loans from 9.74% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other DuTrac Community Credit Union CD rates include 29 Month CD Special at 4.25%, 9 Month CD Special at 4.20%, and 6 Month CD at 2.50%. Other DuTrac Community Credit Union mortgage rates include 20 Year Fixed at 7.00%, and 30 Year Fixed at 7.25%. MonitorBankRates evaluates the financial stability of DuTrac Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates last updated and verified on 10/09/2026.

DuTrac Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at DuTrac Community Credit Union? Share your experience about DuTrac Community Credit Union by leaving a review below, or read customer reviews before you decide to use DuTrac Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

DuTrac Community Credit Union
ASBURY

3465 ASBURY RD
DUBUQUE, IA 52002

https://www.dutrac.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

DuTrac Community Credit Union CD Rates

Product	Rate	APY	Term
19 Month Certificate Special	4.28%	4.35%	19 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 9, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
29 Month Certificate Special	4.18%	4.25%	29 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 9, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
9 Month Certificate Special	4.14%	4.20%	9 Months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
6 Month Certificate	2.48%	2.50%	6 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 9, 20262.50%▲ from 2.25% Sep 14, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
24 Month Certificate	2.24%	2.26%	24 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.26% ▲ 0.26 pts · high 2.26% / low 2.00% Oct 9, 20262.26%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
60 Month Certificate	2.24%	2.26%	60 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.26% ▲ 0.26 pts · high 2.26% / low 2.00% Oct 9, 20262.26%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
6 Month Certificate	2.23%	2.25%	6 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 2.48%, APY: 2.50% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
48 Month Certificate	2.09%	2.11%	48 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.85% → 2.11% ▲ 0.26 pts · high 2.11% / low 1.85% Oct 9, 20262.11%▲ from 1.85% Sep 14, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
24 Month Certificate	1.99%	2.00%	24 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 2.24%, APY: 2.26% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
36 Month Certificate	1.99%	2.00%	36 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75% Oct 9, 20262.00%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
60 Month Certificate	1.99%	2.00%	60 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 2.24%, APY: 2.26% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
48 Month Certificate	1.84%	1.85%	48 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 2.09%, APY: 2.11% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
12 Month Certificate	1.74%	1.75%	12 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
18 Month Certificate	1.74%	1.75%	18 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Month Certificate	1.74%	1.75%	30 Months
Min Deposit $1,000 Details EcoPlus Account Bonus* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
36 Month Certificate	1.74%	1.75%	36 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 1.99%, APY: 2.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
12 Month Certificate	1.49%	1.50%	12 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 1.74%, APY: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
18 Month Certificate	1.49%	1.50%	18 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 1.74%, APY: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Month Certificate	1.49%	1.50%	30 Months
Min Deposit $1,000 Details EcoPlus Account Bonus*: Dividend Rate: 1.74%, APY: 1.75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.45%	0.45%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Holiday/Vacation Club	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Share/Sub Share Savings	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.10%	0.10%
Min Balance $2,500 Details Balance: $2500 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Share/Sub Share Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.05%	0.05%
Min Balance $0 Details Balance: < $2500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Share/Sub Share Savings	0.05%	0.05%
Min Balance $100 Details Balance: <$5000; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2500 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Share Savings	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Share Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Share Savings	0.05%	0.05%
Min Balance $100 Details Balance: <$5000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2500 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Checking Rates

Product	Rate	APY
High Yield Checking Account	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.40%	0.40%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2500 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Checking Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Checking Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1000 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Business Checking Rates

Product	Rate	APY
Relationship Business Checking Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Business Checking Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Business Checking Account	0.05%	0.05%
Min Balance $2,000 Details Balance: $2000 to $9999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	6.75%	-	6.909%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.16% → 6.91% ▲ 0.75 pts · high 6.91% / low 6.16% Oct 9, 20266.91%▲ from 6.78% Oct 1, 20266.78%▲ from 6.53% Sep 18, 20266.53%▲ from 6.16% Sep 14, 20266.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
20 Year Fixed	7.00%	-	7.129%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.25% / low 6.50% Oct 9, 20267.13%▼ from 7.25% Oct 1, 20267.25%▲ from 6.75% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
30 Year Fixed	7.25%	-	7.35%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 7.35% ▲ 0.75 pts · high 7.35% / low 6.60% Oct 1, 20267.35%▲ from 6.85% Sep 18, 20266.85%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Cars & Trucks - 2024 & Newer Loan	4.80%	-	4.80%	37 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2024 & Newer Loan	4.80%	-	4.80%	50 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2024 & Newer Loan	4.80%	-	4.80%	66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2024 & Newer Loan	4.80%	-	4.80%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2024 & Newer Loan	4.80%	-	4.80%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2023 - 2022 Loan	5.09%	-	5.09%	37 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2023 - 2022 Loan	5.34%	-	5.34%	50 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2021 - 2019 Loan	5.44%	-	5.44%	37 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2023 - 2022 Loan	5.49%	-	5.49%	66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2021 - 2019 Loan	5.54%	-	5.54%	50 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2021 - 2019 Loan	5.64%	-	5.64%	66 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2023 - 2022 Loan	5.64%	-	5.64%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2021 - 2019 Loan	5.74%	-	5.74%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks - 2023 - 2022 Loan	5.79%	-	5.79%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs/Travel Trailers Loan	-	6.49%	37 Months
Details Additional APR listed for this product: 6.99%. Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.74%	50 Months
Details Additional APR listed for this product: 7.14%. Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.84%	37 Months
Details Additional APR listed for this product: 7.34%. Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.89%	66 Months
Details Additional APR listed for this product: 7.39%. Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 37 Months Loan	-	6.99%	37 months
Details Model Year: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.04%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.09%	50 Months
Details Additional APR listed for this product: 7.49%. Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 50 Months Loan	-	7.14%	50 months
Details Model Year: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.24%	66 Months
Details Additional APR listed for this product: 7.74%. Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 37 Months Loan	-	7.34%	37 months
Details Model Year: 2023 - 2022 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.39%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 66 Months Loan	-	7.39%	66 months
Details Model Year: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.44%	37 Months
Details Model Year: 2021 - 2019** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 50 Months Loan	-	7.49%	50 months
Details Model Year: 2023 - 2022 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.54%	50 Months
Details Model Year: 2021 - 2019** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.54%	72 Months
Details Term: 72 Months (Minimum $15,000 Loan Amount); Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 72 Months Loan Amount	-	7.54%	72 Months
Details Minimum $15,000; Model Year: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.69%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2021 - 2019** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Side-by-sides, ATVs, Other Recreational Equipment - 66 Months Loan	-	7.74%	66 months
Details Model Year: 2023 - 2022 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Rewards Mastercard	-	11.49%
Details Variable* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Choice Mastercard	-	12.99%
Details Variable** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Platinum Rewards Mastercard	-	13.74%
Details Variable*** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Choice Mastercard	-	14.90%
Details Non-Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.74%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Personal Loan	9.99%	37 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Personal Loan	10.24%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lot Loan (75% LTV)	6.875%	0	7.51%	3 year
Details $35,000; Term: 3 year balloon, 10 year amortization Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.51% → 7.51% ▼ 0.00 pts · high 7.51% / low 7.51% Oct 1, 20267.51%▼ from 7.51% Sep 14, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Lot Loan (80% LTV)	7.375%	0	8.02%	3 year
Details $35,000; Term: 3 year balloon, 10 year amortization Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.02% → 8.02% ▲ 0.00 pts · high 8.02% / low 8.02% Oct 1, 20268.02%▲ from 8.02% Sep 14, 20268.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2021-2019 Loan	-	-	8.04%	50 Months
Details Model Year: 2021-2019** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2023 - 2022 Loan	-	-	7.34%	37 Months
Details Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2023 - 2022 Loan	-	-	7.49%	50 Months
Details Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2023 - 2022 Loan	-	-	7.74%	66 Months
Details Model Year: 2023 - 2022** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2024 & Newer Loan	-	-	6.99%	37 Months
Details Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2024 & Newer Loan	-	-	7.14%	50 Months
Details Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Under 1200cc - 2024 & Newer Loan	-	-	7.39%	66 Months
Details Model Year: 2024 & Newer** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
EcoPlus Account	-	-	0.25%
Min Deposit $25 Details Qualifications Required: Electronic statements and recurring direct deposit required; 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 . Rate may change after the account is opened. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Escrow Accounts	0.25%	-	0.25%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

DuTrac Community Credit Union’s Texas Ratio fell from 5.65% in Q3 2023 to 4.87% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	4.87%	5.0	A+
March 31, 2026	$1.3B	4.47%	5.0	A+
December 31, 2025	$1.2B	6.01%	5.0	A
September 30, 2025	$1.2B	6.26%	5.0	A
June 30, 2025	$1.2B	6.78%	5.0	A
March 31, 2025	$1.2B	6.52%	5.0	A
December 31, 2024	$1.2B	8.73%	5.0	A
September 30, 2024	$1.1B	7.55%	5.0	A
June 30, 2024	$1.1B	6.60%	5.0	A
March 31, 2024	$1.1B	6.27%	5.0	A
December 31, 2023	$1.1B	7.12%	5.0	A
September 30, 2023	$1.0B	5.65%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for DuTrac Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather DuTrac Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with DuTrac Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name DuTrac Community Credit Union

Website https://www.dutrac.org

Address 3465 ASBURY RD, DUBUQUE, IA 52002

Phone 563-582-1331

Fax 563-557-5017

President DANIEL DEUTMEYER

CEO ANDREW HAWKINSON

Full-Time Employees 171

Part-Time Employees 16

Branch Locations 15

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.87%

Return on Assets (ROA)

0.4814%

Return on Equity (ROE)

4.1369%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

1,256,415,318

Total Amount of Shares and Deposits

1,105,386,537

Total Shares and Deposits < 1 Year

1,045,479,633

Total Shares and Deposits 1 3 Years

57,144,806

Total Shares and Deposits > 3 Years

2,762,099

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

193,593,112

Total Uninsured Shares and Deposits > $250K (F+J)

193,593,112

Total Insured Shares and Deposits > $250K (item 17 less item K)

911,793,425

Total Interest Expense (Sum of items 6 8)

12,279,855

Share Certificates

11,721

Number of Accounts for Share Drafts

24,254

IRA KEOGH Accounts

1,997

Number of Accounts for Regular Shares

63,743

All other shares

1,627

Money Market Shares

3,476

Net Income (unless the amount is already included in Undivided Earnings)

6,048,872

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,068,641

Total Liabilities

1,119,706,020

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

DuTrac Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/du-trac-community-credit-union-rates-review-64471">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for DuTrac Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for DuTrac Community Credit Union

Frequently Asked Questions About DuTrac Community Credit Union

How many branches does DuTrac Community Credit Union operate?

DuTrac Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join DuTrac Community Credit Union?

Yes, to access services at DuTrac Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, DuTrac Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, DuTrac Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does DuTrac Community Credit Union offer online and mobile banking?

Most modern institutions like DuTrac Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dutrac.org.

Current DuTrac Community Credit Union Rates

12-Month CD1.50%
18-Month CD1.50%
24-Month CD2.00%
60-Month CD2.00%
Savings1.21%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

DuTrac Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

DuTrac Community Credit Union Texas Ratio

DuTrac Community Credit Union Health Trend

DuTrac Community Credit Union CD Rates

DuTrac Community Credit Union Savings Rates

DuTrac Community Credit Union Business Savings Rates

DuTrac Community Credit Union Business Money Market Rates

DuTrac Community Credit Union Checking Rates

DuTrac Community Credit Union Business Checking Rates

DuTrac Community Credit Union Mortgage Rates

DuTrac Community Credit Union Auto Loan Rates

DuTrac Community Credit Union RV, Boat and Powersport Loan Rates

DuTrac Community Credit Union Credit Card Rates

DuTrac Community Credit Union Personal Loan Rates

DuTrac Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

DuTrac Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About DuTrac Community Credit Union

How many branches does DuTrac Community Credit Union operate?

Is a member application needed to join DuTrac Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does DuTrac Community Credit Union offer online and mobile banking?

Current DuTrac Community Credit Union Rates

Compare to Other Credit Unions