Du Trac Community Credit Union Dubuque IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Du Trac Community, your trusted partner in financial services located at 18181 Peru Rd, Dubuque, IA 52001. Since our establishment in 1946, we have been dedicated to serving our community and helping our members achieve their financial goals. With a strong membership base of 53,282 and total assets exceeding $1.14 billion, we pride ourselves on being a stable and reliable choice for all your banking needs. At Du Trac Community, we understand that each member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs, from personal banking options like checking and savings accounts to specialized loans for vehicles and mortgages. Our commitment extends beyond just banking; it's about fostering relationships built on trust and transparency. Our leadership team, led by CEO Andrew Hawkinson and Board President Kevin Mueller, works tirelessly to ensure that every decision made reflects our core values of integrity and community focus. With a dedicated staff of 189 employees, we are here to provide you with personalized service and support. While members can visit us at our branch location, any official correspondence should be sent to our mailing address: PO BOX 3250, Dubuque, IA 52004-3250. We invite you to explore the benefits of membership with us and discover how we can help you secure your financial future. For more information or assistance, please don't hesitate to call us at 563-582-1331 or visit our website at Du Trac Community. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Engagement

Du Trac Community isn't just about numbers; it's about people. We actively engage with local organizations and initiatives that uplift our neighborhoods. By partnering with schools, charities, and other local entities, we strive to make a positive impact on the lives of those around us. We also recognize the importance of convenience for our members. That's why we offer drive-thru banking for quick transactions and are proud to maintain a customer-first approach in everything we do.

Join Us Today!

Whether you're looking for personal finance solutions or business services, Du Trac Community is here for you. We invite you to experience the difference of being part of a community-focused credit union where your financial goals matter. Visit us at 18181 Peru Rd or give us a call at 563-582-1331 today! Together, let's build a brighter future for you and your family in Dubuque!

Our Mission

Our mission at Du Trac Community is simple yet profound: to empower our members through exceptional financial services while fostering community support and growth. We believe that when individuals thrive financially, the entire community benefits. This philosophy drives us to offer personalized banking solutions such as checking and savings accounts, auto loans, mortgage financing, and business banking services. As we move forward into a more digital age, we've embraced technology without losing sight of our core values. Our commitment to making banking easier for you is reflected in features like online banking and mobile payments. We ensure all our services are ADA compliant so everyone can enjoy seamless access.

Branch Location & Accessibility

Convenient Access and Amenities

Situated near local landmarks, our branch is easily accessible for all members. Parking is available on-site, ensuring that you can get in and out with ease. We also take pride in our commitment to accessibility; our facilities are ADA compliant, featuring ramps and other accommodations to welcome everyone. For those who prefer not to enter the building, we offer a drive-thru banking option that allows for simple transactions like deposits and withdrawals without leaving your vehicle. While we currently do not have ATM services at this location, our team is always available to help with any cash withdrawal needs.

Get In Touch!

While members can visit us at 18181 Peru Rd for all their banking needs, official correspondence should be sent to PO BOX 3250, Dubuque, IA 52004-3250 if necessary. We invite you to come by soon or contact us for more information about how we can help you achieve your financial goals. Your journey towards better banking starts here at Du Trac Community!

Operating Hours

Our branch hours are designed to fit your busy schedule. You can visit us Monday through Thursday from 8:30 AM to 5 PM and Friday from 8:30 AM to 5:30 PM. We aim to provide a friendly and efficient experience during every visit. If you need assistance or have questions before your visit, don't hesitate to give us a call at 563-582-1331. Our dedicated staff is here to support you with a range of services including checking and savings accounts, mortgage loans, personal loans, business banking options, and more.

Member Eligibility

At Du Trac Community, we believe that everyone deserves access to financial services that support their dreams and goals. Becoming a member is simple and welcoming! If you're a resident or employee in Dubuque County, or if you have family who are members, you're already eligible to join our community. We also invite those associated with certain organizations and businesses within the area to apply. Membership opens the door to a range of benefits, including competitive rates on loans, personalized service, and various banking options tailored just for you. To learn more about the specific eligibility criteria and make sure you fit the guidelines, please check out this page. When you're ready to take the next step, simply give us a call at (563) 582-1331. Our team is here to help guide you through the easy process of opening your account at our branch located at 18181 Peru Rd Dubuque Ia 52001. Join us today and become part of a supportive community where your financial needs are our priority!

Business Banking & Commercial Services

Business Loan Options

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

Imagine being able to accept payments easily from your customers while managing your finances all in one place. Our merchant services do just that! From payment processing to reporting tools, we equip you with everything you need to keep your cash flow steady and your business running smoothly. Located at 18181 Peru Rd Dubuque Ia 52001 in Dubuque, IA, we invite you to explore how our business banking and commercial services can empower your success. Reach us at (563) 582-1331 or visit us online at https://www.dutrac.org/ for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it simple and affordable. With competitive rates and flexible terms, we help you get behind the wheel without breaking the bank. We understand that purchasing a vehicle is a big decision; that's why our team is here to guide you through the financing process smoothly.

Business Banking

For small business owners, our Business Banking services including merchant services and business loans are designed to help you thrive. Whether you're starting up or expanding operations, we provide tailored solutions that cater specifically to business needs.

Convenient Access

We understand how busy life can be; that's why we've made banking convenient with features like Basic Drive-Thru Banking, allowing you to handle deposits and withdrawals quickly without leaving your vehicle. Ready to explore how Du Trac Community can help fulfill your financial goals? Give us a call at 563-582-1331, or visit us at our branch in Dubuque! Your financial well-being is just one step away. Explore more about our offerings at Du Trac Community.

Credit Cards with Rewards

Maximize your spending power with our Credit Cards with Rewards program. Earn points on everyday purchases that can be redeemed for travel, merchandise, or even cash back! It's an excellent way to make every dollar count while enjoying the benefits of being a member of Du Trac Community.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're a first-time buyer or looking to refinance an existing mortgage for better rates, we offer personalized solutions that suit your financial situation. Imagine turning the key to your dream home while knowing you've made a smart financial choice.

Personal Banking

For individuals seeking to manage their day-to-day finances, our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having the convenience of accessing your funds anytime through our Online & Mobile Banking platforms. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go. We also offer ATM & Cash Withdrawal Services for easy access to your cash whenever you need it.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we provide Personal Loans & Debt Consolidation options. Need funds for a home improvement project or medical bills? Our team will work with you to find a loan solution that meets your needs and fits within your budget.

Digital & Online Banking

Key Services

Explore our user-friendly online banking platform at https://www.dutrac.org/. Here, you can view your account balances, transfer funds, and pay bills all with peace of mind thanks to our robust security features. We offer 24/7 online banking services, ensuring that your financial needs are met whenever they arise. Need to send money quickly? Our person-to-person transfers make it easy to share funds with friends and family without the hassle of cash or checks. Plus, for added convenience, our mobile application lets you manage your accounts right from your smartphone. Whether you're checking balances or making payments, it's all at your fingertips.

Stay Organized and Informed

With e-statements available, you can say goodbye to cluttered mailboxes and easily keep track of your finances in a digital format. You can also sign documents securely with our electronic signature authorization, streamlining processes while keeping everything secure. For those who enjoy the ease of making payments on the go, our mobile payments feature allows for quick transactions directly from your device. This means you can shop or pay bills without needing cash or cards. In short, at Du Trac Community, we strive to provide an accessible, easy-to-use digital banking experience that keeps you connected to your finances whenever you need it. Join us today and discover how our online services can simplify your banking!

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 how important it is for you to feel confident in your financial partner, which is why we are proud to share our strong financial standing. 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. This means that your deposits are not just safe; they are also working hard for you. 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. With $68,485,852 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth ensures that you receive the best possible services tailored to meet your needs. Our lending capacity supports members' financial goals across various sectors with $16,323 in used auto loans and $883,743,865 in total loans and leases. Whether you're looking to finance a vehicle or invest in a new opportunity, we've got you covered. Our operational efficiency is reflected in our impressive $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) amount to $2,344,040, showcasing our ability to support your borrowing needs effectively. Total Share Accounts reach an impressive 104,154, illustrating the 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 18181 Peru Rd Dubuque Ia 52001 or call (563) 582-1331 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

Additional Options

For business owners, our outstanding commercial loans totaling $100,818,867 provide the capital needed to grow and expand your operations. If you're interested in refinancing or exploring eligibility options for any of these loans, our team is ready to assist you. At Du Trac Community, we prioritize your financial health and are committed to providing you with comprehensive lending options that align with your personal and professional goals. For more information or to discuss how we can assist you further, please don't hesitate to contact us at (563) 582-1331. We're here to help!

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. Whether you're considering a brand-new model or a reliable used vehicle, we provide flexible financing options tailored to meet your needs.

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 know that finding the right mortgage can be overwhelming, so our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing daily expenses can sometimes require extra support. We also offer flexible terms on unsecured credit card loans, with a total of $12,639,892 in loans helping members manage their finances effectively. Enjoy convenience and peace of mind with our straightforward credit solutions.

Loan Aggregator

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