Du Trac Community Credit Union Decorah IA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Du Trac Community, your trusted financial partner in Decorah, Iowa! Located at 915 Short St Ste 105, our credit union has been serving the community since 1946. With a dedicated team of 189 employees, we are committed to providing exceptional service and support to our 53,282 members. At Du Trac Community, we take pride in our solid financial foundation, boasting total assets of $1,149,745,537 and total deposits amounting to $85,185,353. Our net worth stands strong at $131,297,081, ensuring that we can continue to meet the needs of our members now and into the future. We also offer a variety of loan options, with a total of 35,379 loans and leases available to help you achieve your financial goals. While members can visit us at our branch location in Decorah, official correspondence should be sent to our mailing address at 3465 ASBURY RD, DUBUQUE, IA 52002. We are here to serve you from Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday for drive-up services from 9:00 AM to 12:00 PM. Our leadership team, headed by CEO Andrew Hawkinson and Board President Kevin Mueller, is deeply committed to fostering community relationships and enhancing the financial well-being of all members. With resources tailored for personal banking including checking and savings accounts, auto loans, mortgages and business banking solutions like merchant services and business loans, Du Trac Community is equipped to support every aspect of your financial journey. If you're looking for a credit union that truly cares about its members and community impact, look no further! Feel free to reach out by calling us at 563-387-8061 or explore more about what we offer at Du Trac Community. Join us today and experience the difference!

Branch History & Mission

Join Us

As we look ahead, we invite you to join our Du Trac Community family. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a brighter future for ourselves and our community! For more information on membership eligibility or services offered, please visit Du Trac Community.

Our Journey

From our inception, Du Trac Community has been dedicated to fostering financial wellness and community support. With each passing year, we have adapted and evolved to meet the changing needs of our members. Our commitment to exceptional service has enabled us to forge strong relationships within the Decorah area and beyond. With our headquarters located in Dubuque, Iowa, we are proud to be part of a network that prioritizes community engagement and member satisfaction. Our branch operates with a focus on accessibility; not only do we offer ATM access and drive-thru banking services for convenience, but we also ensure that all our facilities comply with ADA standards.

Our Mission

The mission of Du Trac Community is straightforward yet profound: We aim to provide exceptional financial services while supporting the communities we serve. This means offering personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking options tailored to meet diverse needs. We believe in giving back to the community through outreach programs and partnerships that uplift local organizations. Our efforts extend beyond mere transactions; we strive to create meaningful connections that foster growth and stability for everyone involved. While members can visit us at 915 Short St Ste 105 Decorah Ia 52101, official correspondence should be sent to 3465 ASBURY RD, DUBUQUE, IA 52002 if different. You can reach out to us at 563-387-8061 during our operating hours: Monday through Thursday from 8:30 am to 5:00 pm, Friday from 8:30 am to 5:30 pm, and Saturday for drive-thru service only from 9:00 am to 12:00 pm.

Branch Location & Accessibility

Welcome to Du Trac Community, your friendly neighborhood credit union located conveniently at 915 Short St Ste 105 in beautiful Decorah, IA. Nestled in the heart of Winneshiek County, our branch is easy to find and accessible for all members. Whether you're coming from downtown or nearby landmarks like the Decorah Fish Hatchery or Vesterheim Norwegian-American Museum, you'll appreciate how simple it is to reach us. At Du Trac Community, we prioritize accessibility for everyone. Our branch features ADA-compliant facilities, ensuring that all members can navigate our space comfortably. Ample parking is available right outside the entrance, making it convenient for you to stop by and get the services you need. We understand that your time is valuable, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, with extended hours on Friday until 5:30 PM. On Saturdays, we're here for you during drive-thru service only from 9:00 AM to 12:00 PM. For those on the go, we have an ATM available for quick cash withdrawals and balance checks. Plus, our drive-thru banking allows you to complete deposits and simple transactions without leaving your vehicle. If you need to send us any official correspondence, please note that while our branch address is 915 Short St Ste 105, Decorah, IA 52101, our mailing address is different 3465 Asbury Rd, Dubuque, IA 52002. Whether you're looking to open a new account or inquire about personal loans and other services we offer like auto financing or mortgage options our team is ready to assist you. Don't hesitate to give us a call at 563-387-8061 or visit us today! We look forward to welcoming you into our community!

Member Eligibility

At Du Trac Community, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Decorah area, you're likely eligible to join us. We also extend membership to family members of current members, ensuring that your loved ones can benefit from our services too. By choosing Du Trac Community, you're not just opening an account; you're gaining access to personalized financial solutions and a network that prioritizes your needs. For more detailed eligibility information, feel free to visit our website at https://www.dutrac.org/become-a-member/. If you have any questions or need assistance, don't hesitate to reach out to us at (563) 387-8061. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $242 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $16 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $100,818,867, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make a Difference

Imagine having a payment processing solution that simplifies your sales and enhances customer satisfaction. Our merchant services are designed to do just that. By integrating easy payment options, we help you focus on what matters most growing your business. With reliable support and straightforward fees, managing transactions has never been easier. Visit us at 915 Short St Ste 105 Decorah Ia 52101 in Decorah, IA, or call us at (563) 387-8061 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we understand how vital it is to have reliable banking solutions. Our business banking services, including merchant services and business loans, provide essential tools to help your enterprise thrive. Think about having all the support you need right at your fingertips, allowing you to focus on growing your business instead of worrying about finances.

Credit Cards and Loans

Managing unexpected expenses can be challenging. That's where our personal loans and debt consolidation options come into play. Whether you need funds for a home renovation or want to consolidate high-interest debts, we've got you covered. Our credit cards with rewards are perfect for everyday purchases. You can earn points for traveling or shopping while enjoying the benefits of low rates and no hidden fees.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking your balance, making transfers, or paying bills, our user-friendly platforms make banking simple. Additionally, our ATM and cash withdrawal services ensure that you have access to cash when needed without any hassle. With basic drive-thru banking available for deposits and withdrawals at your convenience, we've made it easier than ever for you to handle your transactions quickly. We invite you to visit us at 915 Short St Ste 105 Decorah IA 52101 or give us a call at 563-387-8061 if you have questions about our services or need assistance setting up an account. Join us at Du Trac Community, where we're dedicated to helping you achieve your financial goals!

Home Financing Options

When it comes to finding a place to call home, we know how important it is to have reliable support. Our mortgage loans and refinancing services make the process straightforward and accessible. We'll help you navigate through various options so you can find the right mortgage that fits your budget. Plus, with rates that suit different financial situations, we're here to help turn your dream home into a reality.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services are tailored to simplify your life. With checking and savings accounts, you can easily manage your day-to-day transactions while saving for future goals. Imagine being able to watch your savings grow while having easy access to your funds whenever you need them. For those looking to purchase a car or refinance an existing loan, our auto loans and vehicle financing options offer competitive rates and flexible terms. Picture yourself driving off in that new car you've always wanted without breaking the bank.

Digital & Online Banking

E-Statements & Mobile Features

Say goodbye to paper statements! With e-statements available at Du Trac Community, you can view your financial activity securely online. It's not only eco-friendly but also helps you stay organized and informed about your account without the clutter of physical paperwork. In today's fast-paced world, mobile banking is essential. Our mobile application allows you to perform transactions on-the-go, making it easy to manage your finances from the palm of your hand. You can even use our mobile payments feature to make purchases quickly and safely.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service simplifies this process. Just a few taps on your mobile device, and you can send money instantly! With all these features combined, managing your finances with Du Trac Community is not just easy; it's also secure and efficient. Join us today and experience the benefits of our digital banking services!

Financial Strength

At Du Trac Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that knowing your credit union is financially strong gives you peace of mind, and we're proud to share our solid standing with you. With a net worth of $131,297,081, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,141 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $492,492,188 in share certificates and $124,016,097 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We have $68,485,852 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $16,323 in used auto loans and $883,743,865 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $2,975,115, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 180 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $2,344,040. Total Share and Deposit Accounts: 104,154, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Du Trac Community is your trusted partner. Visit us at 915 Short St Ste 105 Decorah Ia 52101 or call (563) 387-8061 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $290,927,932 in used vehicle loans and $96,131,378 in new vehicle loans already helping members get on the road. We provide tailored financing solutions for both new and used vehicles, ensuring that you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $100,818,867 provide the capital needed to grow and expand. We understand the demands of running a business and are here to support your ambitions with customized financing options. At Du Trac Community in Decorah, IA (915 Short St Ste 105), we're committed to helping you find the right financial solutions. For more information or assistance with loan applications, feel free to reach out at 563-387-8061. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan offerings can help you achieve your goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,385,700, make buying or refinancing simple. We also provide guidance on eligibility requirements to help you navigate the process smoothly.

Unsecured Credit Card Loans

Managing your finances can be challenging, but our unsecured credit card loans total $12,639,892 and come with flexible terms designed to fit your lifestyle. This product gives you the freedom to make purchases without tapping into your savings.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. By using verified data from legitimate financial institutions, LendMesh guarantees that users receive accurate information about available loans.

Benefits of Using LendMesh

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