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DuTrac Community Credit Union

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DuTrac Community Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does DuTrac Community Credit Union offer?

DuTrac Community Credit Union CD rates are 2.50% APY for a 6 month CD, 1.50% APY for a 12 month CD, 1.50% APY for an 18 month CD, 2.26% APY for a 2 year CD, 2.11% APY for a 4 year CD and 2.26% APY for a 5 year CD, verified by MonitorBankRates as of October 26, 2026. The institution may offer other terms or specials that are not listed here, so check with DuTrac Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 26, 2026

DuTrac Community Credit Union's CD of Deposit - 6 month - EcoPlus Account Bonus rates are at 2.50%, CD of Deposit - 24 month - EcoPlus Account Bonus rates are at 2.26%, CD of Deposit - 60 month - EcoPlus Account Bonus rates are at 2.26%, CD of Deposit - 6 month rates are at 2.25%, CD of Deposit - 48 month - EcoPlus Account Bonus rates are at 2.11%. DuTrac Community Credit Union's savings rates are at 1.21%. DuTrac Community Credit Union's checking rates are as high as 0.50%. DuTrac Community Credit Union's Home Loan - 15 Year Fixed rates are at 6.38%, Home Loan - 20 Year Fixed rates are at 6.62%, Home Loan - 30 Year Fixed rates are at 6.88%. DuTrac Community Credit Union's Personal Loan Rates are as low as 9.74%. DuTrac Community Credit Union's Credit Card Rates are at 11.49%. DuTrac Community Credit Union's CD rates are 27% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/26/2026.

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 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

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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
Certificate of Deposit - 19 month Special	4.28%	4.35%	19 Months
Min Deposit $500 Details Special CD; automatically renews for a standard 18-month term and rate at maturity; EcoPlus bonus does not apply Last Updated 10/26/2026 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%
Certificate of Deposit - 29 month Special	4.18%	4.25%	29 Months
Min Deposit $500 Details Special CD; automatically renews for a standard 30-month term and rate at maturity; EcoPlus bonus does not apply Last Updated 10/26/2026 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%
Certificate of Deposit - 9 month Special	4.14%	4.20%	9 Months
Min Deposit $500 Details Special CD; automatically renews for a standard 12-month term and rate at maturity; EcoPlus bonus does not apply Last Updated 10/26/2026 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%
Certificate of Deposit - 6 month - EcoPlus Account Bonus	2.48%	2.50%	6 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 24 month - EcoPlus Account Bonus	2.24%	2.26%	24 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 2.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 60 month - EcoPlus Account Bonus	2.24%	2.26%	60 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 2.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 6 month	2.23%	2.25%	6 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 48 month - EcoPlus Account Bonus	2.09%	2.11%	48 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 2.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 24 month	1.99%	2.00%	24 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 36 month - EcoPlus Account Bonus	1.99%	2.00%	36 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 60 month	1.99%	2.00%	60 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 48 month	1.84%	1.85%	48 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 12 month - EcoPlus Account Bonus	1.74%	1.75%	12 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 18 month - EcoPlus Account Bonus	1.74%	1.75%	18 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 30 month - EcoPlus Account Bonus	1.74%	1.75%	30 Months
Min Deposit $1,000 Details EcoPlus Account Bonus of .25%; requires EcoPlus Account (electronic statements and recurring direct deposit); bonus revoked if account no longer qualifies Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 36 month	1.74%	1.75%	36 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 12 month	1.49%	1.50%	12 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 18 month	1.49%	1.50%	18 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Certificate of Deposit - 30 month	1.49%	1.50%	30 Months
Min Deposit $1,000 Details Standard Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $50,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 1.21% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $25,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $10,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
IRA Savings	0.45%	0.45%
Details Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 0.45% APY · checked 3 times 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $50,000 Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Christmas/Holiday Club	0.25%	0.25%
Details Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Vacation Club	0.25%	0.25%
Details Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $25,000 Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2500 to $9999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $2500 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.20% APY 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $10,000 Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 4 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 balance, quarterly Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $2500 Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 4 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 balance, quarterly Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Health Savings Accounts	0.05%	0.05%
Details Balance: < $2500; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 3 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 balance, quarterly Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.00%	0.00%
Details Balance: < $2500; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: Last Updated 10/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

DuTrac Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $50,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 1.21% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $25,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $10,000 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2500 to $9999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $2500 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Money Market Savings	0.00%	0.00%
Details Balance: < $2500; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: Last Updated 10/26/2026 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 Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 and above; Dividends paid monthly on average daily balance Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.40%	0.40%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Dividends paid monthly on average daily balance Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.30%	0.30%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Dividends paid monthly on average daily balance Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.20%	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2500 to $9999.99; Dividends paid monthly on average daily balance Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: $10,000; Dividend Yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 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; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: $1000; Dividend Yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
High Yield Checking Account	0.00%	0.00%
Min Deposit $2,500 Details Balance: < $2500; Dividends paid monthly on average daily balance; Minimum balance to receive APY: Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Checking Account	0.00%	0.00%
Details Balance: <$1000; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY:; Dividend Yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Deposit $100 Min Balance $50,000 Details Balance: $50,000 and above; Dividends paid on: Avg. Daily Bal.; Dividends paid: Quarterly; Dividend yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Business Checking Account	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Dividends paid on: Avg. Daily Bal.; Dividends paid: Quarterly; Dividend yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Business Checking Account	0.05%	0.05%
Min Deposit $100 Min Balance $2,000 Details Balance: $2000 to $9999.99; Dividends paid on: Avg. Daily Bal.; Dividends paid: Quarterly; Dividend yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Relationship Business Checking Account	0.00%	0.00%
Min Deposit $100 Details Balance: <$2000; Dividends paid on: Avg. Daily Bal.; Dividends paid: Quarterly; Minimum balance to receive APY:; Dividend yields as of September 30, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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
Home Loan - 15 Year Fixed	6.375%	-	6.532%	15 Year
Details Rates as of 10/20/2026; Some rates may require the payment of points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Loan - 20 Year Fixed	6.625%	-	6.752%	20 Year
Details Rates as of 10/20/2026; Some rates may require the payment of points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Home Loan - 30 Year Fixed	6.875%	-	6.973%	30 Year
Details Rates as of 10/20/2026; Some rates may require the payment of points Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.97% APR 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 Loan	-	-	4.84%	37 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 4.80% → 4.84% ▲ 0.04 pts · high 4.84% / low 4.80% Oct 19, 20264.84%▲ from 4.80%* Oct 13, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	4.84%	50 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 4.80% → 4.84% ▲ 0.04 pts · high 4.84% / low 4.80% Oct 19, 20264.84%▲ from 4.80%* Oct 13, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	4.99%	66 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 4.80% → 4.99% ▲ 0.19 pts · high 4.99% / low 4.80% Oct 19, 20264.99%▲ from 4.80%* Oct 13, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	4.99%	37 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.09% → 4.99% ▼ 0.10 pts · high 5.09% / low 4.99% Oct 19, 20264.99%▼ from 5.09%* Oct 13, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.14%	72 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 4.80% → 5.14% ▲ 0.34 pts · high 5.14% / low 4.80% Oct 19, 20265.14%▲ from 4.80%* Oct 13, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.14%	50 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.34% → 5.14% ▼ 0.20 pts · high 5.34% / low 5.14% Oct 19, 20265.14%▼ from 5.34%* Oct 13, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.24%	84 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 4.80% → 5.24% ▲ 0.44 pts · high 5.24% / low 4.80% Oct 19, 20265.24%▲ from 4.80%* Oct 13, 20264.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.29%	66 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.49% → 5.29% ▼ 0.20 pts · high 5.49% / low 5.29% Oct 19, 20265.29%▼ from 5.49%* Oct 13, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.34%	37 Months
Details Model Year: 2021 - 2019; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.44% → 5.34% ▼ 0.10 pts · high 5.44% / low 5.34% Oct 19, 20265.34%▼ from 5.44%* Oct 13, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.44%	72 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.64% → 5.44% ▼ 0.20 pts · high 5.64% / low 5.44% Oct 19, 20265.44%▼ from 5.64%* Oct 13, 20265.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.49%	50 Months
Details Model Year: 2021 - 2019; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.54% → 5.49% ▼ 0.05 pts · high 5.54% / low 5.49% Oct 19, 20265.49%▼ from 5.54%* Oct 13, 20265.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.59%	84 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.79% → 5.59% ▼ 0.20 pts · high 5.79% / low 5.59% Oct 19, 20265.59%▼ from 5.79%* Oct 13, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.64%	66 Months
Details Model Year: 2021 - 2019*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 5.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	5.79%	72 Months
Details Model Year: 2021 - 2019; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History 1 change since Oct 13, 2026 · 5.74% → 5.79% ▲ 0.05 pts · high 5.79% / low 5.74% Oct 19, 20265.79%▲ from 5.74%* Oct 13, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	6.69%	120 Months
Details Model Year: 2024 & Newer; Rates stated as APR; includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	6.99%	120 Months
Details Model Year: 2021 - 2019; Rates stated as APR; includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan	-	-	7.04%	120 Months
Details Model Year: 2023 - 2022; Rates stated as APR; includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.04% APR · checked 3 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
Motorcycles 1200cc or larger Loan	-	4.84%	37 Months
Details Model Year: 2024 & Newer; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	4.84%	50 Months
Details Model Year: 2024 & Newer; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	4.99%	66 Months
Details Model Year: 2024 & Newer; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	4.99%	37 Months
Details Model Year: 2023 - 2022; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.14%	72 Months
Details Model Year: 2024 & Newer; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.14%	50 Months
Details Model Year: 2023 - 2022; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.24%	84 Months
Details Model Year: 2024 & Newer; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.29%	66 Months
Details Model Year: 2023 - 2022; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.34%	37 Months
Details Model Year: 2021 - 2019; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.44%	72 Months
Details Model Year: 2023 - 2022; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.49%	50 Months
Details Model Year: 2021 - 2019; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.59%	84 Months
Details Model Year: 2023 - 2022; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.64%	66 Months
Details Model Year: 2021 - 2019; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles 1200cc or larger Loan	-	5.79%	72 Months
Details Model Year: 2021 - 2019; APR includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Rates effective October 16, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	6.49%	37 Months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.49%	37 months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	6.74%	50 Months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.74%	50 months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	6.84%	37 Months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.84%	37 months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 6.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	6.89%	66 Months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	6.89%	66 months
Details Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	6.99%	37 Months
Details Model Year: 2024 & Newer; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	6.99%	37 Months
Details Model Year: 2024 & Newer*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.04%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.04%	120 months
Details Model Year: 2024 & Newer; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.09%	50 Months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.09%	50 months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	7.14%	50 Months
Details Model Year: 2024 & Newer; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.14%	50 Months
Details Model Year: 2024 & Newer*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.24%	66 Months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.24%	66 months
Details Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	7.34%	37 Months
Details Model Year: 2023 - 2022; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.34%	37 Months
Details Model Year: 2023 - 2022*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.39%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	7.39%	66 Months
Details Model Year: 2024 & Newer; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.39%	66 Months
Details Model Year: 2024 & Newer*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.39%	120 months
Details Model Year: 2023 - 2022; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.44%	37 Months
Details Model Year: 2021 - 2019; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.44% APR · checked 6 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; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	7.49%	50 Months
Details Model Year: 2023 - 2022; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.49%	50 Months
Details Model Year: 2023 - 2022*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.54%	50 Months
Details Model Year: 2021 - 2019; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.54%	72 Months
Details Model Year: 2024 & Newer*; Minimum $15,000 loan amount; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.54% 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; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Boats Loan	-	7.69%	120 Months
Details Term: 120 Months (Models 25 and longer); Model Year: 2021 - 2019; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan	-	7.69%	120 months
Details Model Year: 2021 - 2019; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 7.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	7.74%	66 Months
Details Model Year: 2023 - 2022; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Pop Up Campers Loan	-	7.74%	66 Months
Details Model Year: 2023 - 2022*; Rates stated as APR; includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan	-	8.04%	50 Months
Details Model Year: 2021-2019; Rates effective October 16, 2026; APR includes .25% EcoPlus discount Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 8.04% 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 Rate Type: Variable; Rates as of October 1, 2026; variable APR based on 13 Week U.S. Treasury Bill plus margin of 7.74% Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Choice Mastercard	-	12.99%
Details Rate Type: Variable; Rates as of October 1, 2026; variable APR based on 13 Week U.S. Treasury Bill plus margin of 9.24% Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Business Platinum Rewards Mastercard	-	13.74%
Details Rate Type: Variable; Rates as of October 1, 2026; variable APR based on 13 Week U.S. Treasury Bill plus margin of 9.99% Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Choice Mastercard	-	14.90%
Details Rate Type: Non-Variable; Rates as of October 1, 2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 8 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 - 24 months	9.74%	24 months
Details Rates as of October 16, 2026; Rates are stated as Annual Percentage Rate (APR) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Personal Loan - 37 months	9.99%	37 months
Details Rates as of October 16, 2026; Rates are stated as Annual Percentage Rate (APR) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Personal Loan - 48 months	10.24%	48 months
Details Rates as of October 16, 2026; Rates are stated as Annual Percentage Rate (APR) Last Updated 10/26/2026 Rate History No change since Oct 13, 2026 · 10.24% APR · checked 3 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	7.512%	3 year
Details $35,000; Term: 3 year balloon, 10 year amortization; Lot Loan; 75% LTV; Rates subject to creditworthiness criteria Last Updated 10/26/2026 Rate History 2 changes since Sep 14, 2026 · 7.51% → 7.51% ▼ 0.00 pts · high 7.51% / low 7.51% Oct 19, 20267.51%▲ from 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	8.018%	3 year
Details $35,000; Term: 3 year balloon, 10 year amortization; Lot Loan; 80% LTV; Rates subject to creditworthiness criteria Last Updated 10/26/2026 Rate History 2 changes since Sep 14, 2026 · 8.02% → 8.02% ▼ 0.00 pts · high 8.02% / low 8.02% Oct 19, 20268.02%▼ from 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%
Escrow	0.25%	-	0.25%
Details Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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

2026 MBR Health & Safety Badge

DuTrac Community Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for DuTrac Community Credit Union

Frequently Asked Questions About DuTrac Community Credit Union

Does DuTrac Community Credit Union offer CDs?

Yes. DuTrac Community Credit Union current CD rates include its CD of Deposit - 6 month - EcoPlus Account Bonus at 2.50% APY, its CD of Deposit - 24 month - EcoPlus Account Bonus at 2.26% APY and its CD of Deposit - 60 month - EcoPlus Account Bonus at 2.26% APY, verified by MonitorBankRates as of October 26, 2026.

Are CDs from DuTrac Community Credit Union NCUA insured?

Yes. DuTrac Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at DuTrac Community Credit Union?

The highest DuTrac Community Credit Union CD rate is its CD of Deposit - 19 month Special at 4.35% APY, verified by MonitorBankRates as of October 26, 2026.

What CD terms does DuTrac Community Credit Union offer?

DuTrac Community Credit Union CD rates are 2.50% APY for a 6 month CD, 1.50% APY for a 12 month CD, 1.50% APY for an 18 month CD, 2.26% APY for a 2 year CD, 2.11% APY for a 4 year CD and 2.26% APY for a 5 year CD, verified by MonitorBankRates as of October 26, 2026. The institution may offer other terms or specials that are not listed here, so check with DuTrac Community Credit Union for its full lineup.

What is the highest savings rate at DuTrac Community Credit Union?

The highest DuTrac Community Credit Union savings rate is its IRA Savings at 0.45% APY, verified by MonitorBankRates as of October 26, 2026.

What is the highest money market rate at DuTrac Community Credit Union?

The highest DuTrac Community Credit Union money market rate is its Money Market Savings at 1.21% APY, verified by MonitorBankRates as of October 26, 2026.

What is the highest checking rate at DuTrac Community Credit Union?

The highest DuTrac Community Credit Union checking rate is its High Yield Checking Account at 0.50% APY, verified by MonitorBankRates as of October 26, 2026.

What is the lowest 30 year fixed mortgage rate at DuTrac Community Credit Union?

The lowest DuTrac Community Credit Union 30 year fixed mortgage rate is its Home Loan - 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 26, 2026. DuTrac Community Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 20 year mortgage and 6.375% for a 15 year mortgage.

What is the lowest auto loan rate at DuTrac Community Credit Union?

The lowest DuTrac Community Credit Union auto loan rate is its New or Used Cars & Trucks Loan at 4.84% APR, verified by MonitorBankRates as of October 26, 2026.

What is the lowest personal loan rate at DuTrac Community Credit Union?

The lowest DuTrac Community Credit Union personal loan rate is its Personal Loan - 24 months at 9.74% APR, verified by MonitorBankRates as of October 26, 2026. DuTrac Community Credit Union personal loan rates are 9.74% APR for a 24 month personal loan, 9.99% APR for a 37 month personal loan and 10.24% APR for a 48 month personal loan.

What is the lowest credit card APR at DuTrac Community Credit Union?

The lowest DuTrac Community Credit Union credit card APR is its Platinum Rewards Mastercard Credit Card at 11.49% APR, verified by MonitorBankRates as of October 26, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do DuTrac Community Credit Union rates compare?

DuTrac Community Credit Union's CD rates are 27% lower than the MonitorBankRates national average, and it has an A+ health rating. DuTrac Community Credit Union's top rates are its CD of Deposit - 19 month Special at 4.35% APY, its Money Market Savings at 1.21% APY, its High Yield Checking Account at 0.50% APY, its Home Loan - 15 Year Fixed at 6.375%, its Personal Loan - 24 months at 9.74% APR and its Platinum Rewards Mastercard Credit Card at 11.49% APR, verified by MonitorBankRates on October 26, 2026.

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 November 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 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

Does DuTrac Community Credit Union offer CDs?

Are CDs from DuTrac Community Credit Union NCUA insured?

What is the highest CD rate at DuTrac Community Credit Union?

What CD terms does DuTrac Community Credit Union offer?

What is the highest savings rate at DuTrac Community Credit Union?

What is the highest money market rate at DuTrac Community Credit Union?

What is the highest checking rate at DuTrac Community Credit Union?

What is the lowest 30 year fixed mortgage rate at DuTrac Community Credit Union?

What is the lowest auto loan rate at DuTrac Community Credit Union?

What is the lowest personal loan rate at DuTrac Community Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do DuTrac Community Credit Union rates compare?

Current DuTrac Community Credit Union Rates

Compare to Other Credit Unions