Rates
Loan and Deposit Account Rates
Have an existing loan with another lender? Ask about the DuTrac Member Advantage. Receive up to 1%* less interest than you’re currently paying for the remaining term of any secured consumer loan(s). If DuTrac’s standard rate is even lower, you’ll receive the lower rate. Lowering payments and making cash available has never been easier.
Make the move to DuTrac. Contact us or stop by any of our locations today.
Vehicle Loan Rates
Low fixed rates make the road to ownership easy. Be sure to ask for DuTrac when shopping at the dealership. Learn more about all the benefits of a DuTrac vehicle loan and use the Auto and Vehicle Calculators to estimate and compare.
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2022 & Newer | 5.84% | 5.94% | 6.04% | 6.14% | 6.24% |
| 2021 – 2020 | 5.94% | 6.04% | 6.14% | 6.24% | 6.34% |
| 2019 – 2017 | 7.04% | 7.14% | 7.24% | 7.34% | — |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.
2022 & Newer:
– 37 Months at 5.84%; 37 payments at $29.60 per $1,000 borrowed; Monthly Payments
– 50 Months at 5.94%; 50 payments at $22.63 per $1,000 borrowed; Monthly Payments
– 66 Months at 6.04%; 66 payments at $17.85 per $1,000 borrowed; Monthly Payments
– 72 Months at 6.14%; 72 payments at $16.64 per $1,000 borrowed; Monthly Payments
– 84 Months at 6.24%; 84 payments at $14.72 per $1,000 borrowed; Monthly Payments
2021-2020:
– 37 Months at 5.94%; 37 payments at $29.64 per $1,000 borrowed; Monthly Payments
– 50 Months at 6.04%; 50 payments at $22.67 per $1,000 borrowed; Monthly Payments
– 66 Months at 6.14%; 66 payments at $17.89 per $1,000 borrowed; Monthly Payments
– 72 Months at 6.24%; 72 payments at $16.69 per $1,000 borrowed; Monthly Payments
– 84 Months at 6.34%; 84 payments at $14.77 per $1,000 borrowed; Monthly Payments
2019-2017:
– 37 Months at 7.04%; 37 payments at $30.15 per $1,000 borrowed; Monthly Payments
– 50 Months at 7.14%; 50 payments at $23.18 per $1,000 borrowed; Monthly Payments
– 66 Months at 7.24%; 66 payments at $18.41 per $1,000 borrowed; Monthly Payments
– 72 Months at 7.34%; 72 payments at $17.21 per $1,000 borrowed; Monthly Payments
1200cc or larger
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|
| 2022 & Newer | 5.84% | 5.94% | 6.04% | 6.14% | 6.24% |
| 2021 – 2020 | 5.94% | 6.04% | 6.14% | 6.24% | 6.34% |
| 2019 – 2017 | 7.04% | 7.14% | 7.24% | 7.34% | — |
Under 1200cc
| Model Year | 37 Months | 50 Months | 66 Months | ||
|---|---|---|---|---|---|
| 2022 & Newer | 8.44% | 8.69% | 8.94% | ||
| 2021 – 2020 | 8.54% | 8.79% | 9.04% | ||
| 2019-2017 | — | 9.69% | — |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.
Motor Homes
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months | 84 Months | 120 Months |
|---|---|---|---|---|---|---|
| 2022 & Newer | 5.84% | 5.94% | 6.04% | 6.14% | 6.24% | 7.59% |
| 2021 – 2020 | 5.94% | 6.04% | 6.14% | 6.24% | 6.34% | 7.69% |
| 2019 – 2017 | 7.04% | 7.14% | 7.24% | 7.34% | — | 9.04% |
RVs/Travel Trailers
| Model Year | 37 Months | 50 Months | 66 Months | 120 Months (Models 25′ and longer) | |
|---|---|---|---|---|---|
| 2022 & Newer | 7.69% | 7.94% | 8.09% | 8.24% | |
| 2021 – 2020 | 7.79% | 7.99% | 8.14% | 8.29% | |
| 2019 – 2017 | 8.94% | 9.09% | — | 9.24% |
Pop Up Campers
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months (Minimum $15,000 Loan Amount) | |
|---|---|---|---|---|---|
| 2022 & Newer | 8.44% | 8.69% | 8.94% | 9.09% | |
| 2021 – 2020 | 8.54% | 8.79% | 9.04% | — |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. Borrower rate is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase.
Boats
| Model Year | 37 Months | 50 Months | 66 Months | 120 Months (Models 25′ and longer) |
|---|---|---|---|---|
| 2022 & Newer | 7.69% | 7.94% | 8.09% | 8.24% |
| 2021 – 2020 | 7.79% | 7.99% | 8.14% | 8.29% |
| 2019 – 2017 | 8.94% | 9.09% | — | 9.24% |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
| Model Year | 37 Months | 50 Months | 66 Months | 72 Months (Minimum $15,000 Loan Amount) |
|---|---|---|---|---|
| 2022 & Newer | 8.44% | 8.69% | 8.94% | 9.09% |
| 2021 – 2020 | 8.54% | 8.79% | 9.04% | – |
*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice. rates.
Home Loan Rates
Whether you’re purchasing a new home or refinancing your existing home, a DuTrac Mortgage is designed to be built from the ground up—to fit your unique needs. Learn more about our range of lending options and use the mortgage calculators for additional information.
Our Real Estate Lending Team is ready when you are. Contact us or stop by any of our DuTrac locations to schedule a mortgage consultation.
| Term | Rate | APR |
|---|---|---|
| 15 Year Fixed | 5.750% | 5.912% |
| 20 Year Fixed | 6.375% | 6.501% |
| 30 Year Fixed | 6.500% | 6.596% |
FHA, USDA, VA and ARM loans are also available. Please call for rates.
Real Estate rates are accurate as of the date shown and are subject to change. Some rates may require the payment of points. Rates and terms assume owner-occupied, single-family property for the loan amount. The home loan rates and terms listed here are examples only and are subject to change without notice. Rates may vary due to subject property, loan characteristics, credit qualifications, and other factors. Property and flood insurance may be required. The examples are for purchase only.
Other rates and terms available. Please call 563-582-1331.
Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $8.31 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $6.33 per $1,000 borrowed.
If a first lien on the dwelling, example payments do not include amounts for property taxes and insurance premiums and the actual payment obligation will be greater by the amount of property taxes and insurance premiums paid, respectively.
| Rate | Type | Term | |
|---|---|---|---|
| Home Equity Plus Line of Credit | 6.99%* | Variable | Based on the loan amount borrowed. |
| Home Equity Plus Line of Credit Introductory Rate | 4.99%** | Fixed | Based on the loan amount borrowed. |
*APR = Annual Percentage Rate. Rates are based on the 13-week Treasury Bill Index plus an applied margin. APR may vary based on an individual’s credit score and loan to value ratio. Best standard rate of 6.99% APR is accurate as of October 1, 2024. Rate quoted is based on homeowners with a minimum 720 credit score and with a maximum 80% CLTV (calculated as first mortgage balance plus HELOC limit divided by property value). Maximum APR is 18%. All rates and terms subject to change without notice. HELOCs are subject to DuTrac’s standard lending and credit underwriting practices. Closing costs may vary and range from $0 – $675, including appraisal fee, if needed. HELOC account holder must reside within the DuTrac Community Credit Union service area and $5 is the requirement to purchase one par value share to establish a membership account. No grace period applies. No prepayment penalties charged.
**The introductory 4.99% APR (Annual Percentage Rate) is for a new Home Equity Line of Credit (HELOC) with DuTrac to credit qualified members with a 680 credit score or higher. Maximum 90% CLTV. (Combined loan-to-value = 90% of property valuation minus first mortgage balance). After the nine month introductory period, the rate is based on the 13-week U.S. Treasury Bill Index plus a margin based on credit score and CLTV. Account holder’s rate is based on standard credit qualifications, with a non-discounted variable rate as low as 6.99% APR. Maximum rate of 18% APR. Introductory and Non-Introductory APR accurate as of October 1, 2024. HELOC account holder is required to be a member of DuTrac Community Credit Union by purchasing $5 in membership shares. Memberships shares are placed in a share savings account. Property insurance is required. Maximum HELOC term is 15 years. Property appraisal may be required with fees averaging an estimated $150-$450. Total closing costs may range from $0-$675. Finance charges will begin to accrue only after a draw on the new HELOC is taken by the account holder. No grace period applies. Not valid for existing HELOC or a refinanced HELOC currently at DuTrac. Not valid with any other offers. Offer may end at any time without notice.
| Type | Term | Points | Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| Lot Loan – $35,000 (75% LTV) | 3 year balloon, 10 year amortization | 0 | 6.875% | 7.5120% |
| Lot Loan – $35,000 (80% LTV) | 3 year balloon, 10 year amortization | 0 | 7.375% | 8.0180% |
*The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
Personal Loan Rates
Surprise expenses, financing a dream, or simply streamlining your finances can all benefit from a personal loan.
| Term | Annual Percentage Rate |
|---|---|
| 24 months | 11.34% |
| 37 months | 11.59% |
| 48 months | 11.84% |
*Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac’s standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice.
Credit Cards
Our suite of credit cards offers a range of options for members, whether you’re establishing your credit, interested in earning points for your purchases, or supporting your small business goals.
| Card Type | Annual Percentage Rate | Rate Type |
|---|---|---|
| Platinum Rewards Mastercard | 12.49% | Variable* |
| Choice Mastercard | 13.99% | Variable** |
| Choice Mastercard | 14.90% | Non-Variable |
| Business Platinum Rewards Mastercard | 10.24% | Variable*** |
*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
Deposit Accounts Rates
Set your financial goals in motion with DuTrac deposit accounts. From checking accounts with added benefits to certificates with flexible terms, there’s something for your unique needs.
*Please note fees associated or imposed for these accounts could reduce the APY.
| Standard | EcoPlus Account Bonus* | |||
|---|---|---|---|---|
| Dividends Calculated | Quarterly | Quarterly | ||
| Dividends Paid | Quarterly | Quarterly | ||
| Minimum Opening Deposit | $1000 | $1000 | ||
| Term of Certificate | Dividend Rate | APY¹ | Dividend Rate | APY¹ |
| 6 Months | 1.00% | 1.00% | 1.25% | 1.26% |
| 11 Months Special** | 4.43% | 4.50% | n/a | n/a |
| 12 Months | 1.24% | 1.25% | 1.49% | 1.50% |
| 18 Months | 1.49% | 1.50% | 1.74% | 1.75% |
| 22 Months Special** | 4.18% | 4.25% | n/a | n/a |
| 24 Months | 1.74% | 1.75% | 1.99% | 2.00% |
| 30 Months | 1.99% | 2.00% | 2.24% | 2.26% |
| 33 Months Special** | 3.70% | 3.75% | n/a | n/a |
| 36 Months | 2.23% | 2.25% | 2.48% | 2.50% |
| 48 Months | 2.48% | 2.50% | 2.73% | 2.76% |
| 60 Months | 2.72% | 2.75% | 2.97% | 3.00% |
¹APY = Annual Percentage Yield
*Electronic statements and recurring direct deposit required to receive EcoPlus Account. Other eligibility requirements may apply. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Checking accounts require an opening deposit of $25. Rate may change after the account is opened. Dividends begin to accrue on the first day member funds are made available and the Certificate of Deposit is issued. Dividends on CDs are compounded and paid quarterly, or at maturity. Dividends on your certificate will be credited by adding the dividend to the principal. Interest rate locked when account is opened. A penalty may be imposed for early withdrawal and fees could reduce earnings on account. Withdrawal of earnings could reduce APY. Other rates and terms available. Membership required and subject to qualifications. Minimum $5 share deposit required.
**Minimum amount to open any Special Rate Certificate is $500. EcoPlus Checking Account Bonus of .25% does NOT apply. 11-month special CD will automatically renew for a standard 12-month term and rate at maturity. 22-month special CD will automatically renew for a standard 24-month term and rate at maturity. 33-month special CD will automatically renew for a standard 36-month term and rate at maturity.
Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, or Public Funds
| Relationship Checking Account Balance* | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$1000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $1000 to $9999.99 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $1000 |
| $10,000 and above | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $10,000 |
*EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.
Rate may change after the account is opened.
| Tier Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$2000 | 0.00% | 0.00% | Avg. Daily Bal. | Quarterly | None |
| $2000 to $9999.99 | 0.05% | 0.05% | Avg. Daily Bal. | Quarterly | $2000 |
| $10,000 to $49,999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $10,000 |
| $50,000 and above | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $100.
Rate may change after the account is opened.
| High Yield Checking Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.30% | 0.30% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.50% | 0.50% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
Savings Accounts Rates
Retirement, vacation, holidays, even healthcare costs—whatever your financial goals, there’s a smart savings option for you.
*Please note fees associated or imposed for these accounts could reduce the APY.
| Share Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY** |
|---|---|---|---|---|---|
| <$5000 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $25,000 |
*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18.
Minimum opening deposit for share savings account is $5.
Rate may change after the account is opened.
| Money Market Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.00% | 0.00% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.40% | 0.40% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.70% | 0.70% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 1.00% | 1.00% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 1.30% | 1.31% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
Not valid for brokered deposits, institutional investors or Public Funds.
| Account Type | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| IRA | 0.50% | 0.50% | Avg. Daily Bal. | Quarterly | No Minimum |
| Christmas/Holiday Club | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Vacation Club | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
| Escrow | 0.25% | 0.25% | Avg. Daily Bal. | Quarterly | No Minimum |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
| Tier Balance | Dividend Rate | APY** | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| <$5000 | 0.10% | 0.10% | Avg. Daily Bal. | Quarterly | $100 |
| $5000 to $24,999.99 | 0.15% | 0.15% | Avg. Daily Bal. | Quarterly | $5000 |
| $25,000 and above | 0.20% | 0.20% | Avg. Daily Bal. | Quarterly | $25,000 |
*APY = Annual Percentage Yield
Rate may change after the account is opened.
| Health Savings Balance | Dividend Rate | APY* | Dividends Paid On | Dividends Paid | Minimum Balance to Receive APY |
|---|---|---|---|---|---|
| < $2500 | 0.05% | 0.05% | Avg. Daily Bal. | Monthly | None |
| $2500 to $9999.99 | 0.10% | 0.10% | Avg. Daily Bal. | Monthly | $2500 |
| $10,000 to $24,999.99 | 0.20% | 0.20% | Avg. Daily Bal. | Monthly | $10,000 |
| $25,000 to $49,999.99 | 0.30% | 0.30% | Avg. Daily Bal. | Monthly | $25,000 |
| $50,000 and above | 0.40% | 0.40% | Avg. Daily Bal. | Monthly | $50,000 |
*APY = Annual Percentage Yield
Minimum opening deposit of $25.
$2.00 monthly service fee if balance is less than $1,000.
Rate may change after the account is opened.