Du Trac Community Credit Union Dubuque IA | Top Checking & Auto Loans

Introduction

Welcome to Du Trac Community, where your financial well-being is our top priority! Located at 1310 Washington St, Dubuque, IA 52001, we have proudly served the community since our establishment in 1946. With a commitment to fostering strong relationships and providing exceptional service, we are more than just a credit union; we are your partners in achieving financial success. At Du Trac Community, we understand that every member's needs are unique. With over 53,282 members benefiting from our services, we have a wealth of experience to help you navigate your financial journey. Our total assets stand at an impressive $1,149,745,537, reflecting our stability and dedication to serving our members effectively. While you can visit us at our branch for personalized assistance, please note that official correspondence should be sent to our mailing address: 3465 Asbury Rd, Dubuque, IA 52004-3250. We offer a wide range of services designed for everyone from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. Our goal is to make banking accessible and straightforward for you. Currently, we hold approximately $85,185,353 in deposits and have provided loans totaling 35,379 across various categories. Our leadership team is here to support you every step of the way. Under the guidance of CEO Andrew Hawkinson and Board President Kevin Mueller, Du Trac Community strives to create a welcoming environment where members feel valued and understood. If you're looking for reliable banking options backed by solid financial strength, look no further! Join us today or call us at 563-582-1331 to learn more about how we can assist you in reaching your goals. Together, let's build a brighter financial future! For more information about what we offer and how you can become a member, visit us online at Du Trac Community.

Branch History & Mission

Community Engagement

Du Trac Community actively engages with local organizations and participates in various outreach programs designed to uplift those around us. Our partnerships help provide resources that benefit families and individuals striving for a better future. We invite you to join us on this journey! Experience the difference at Du Trac Community by becoming a member today. Together, let's build a brighter financial future for ourselves and our beloved community. For more information or assistance, please reach out at 563-582-1331 or visit our website at Du Trac Community.

Our Journey

From our humble beginnings on Washington Street, we have evolved significantly over the decades. The original mission was simple yet powerful: to serve our members with integrity and support their financial well-being. As we expanded our offerings from personal banking and auto loans to business banking solutions our focus remained steadfast on community support and member satisfaction. Today, you can find us at 1310 Washington St, Dubuque, IA 52001, where we are conveniently located near local landmarks that make us easily accessible to everyone. While members can visit us at this address, official correspondence should be sent to 3465 Asbury Rd, Dubuque, IA 52004-3250 if needed.

Our Mission

Our mission is not just about providing financial services; it's about building relationships and fostering growth within our community. We believe in supporting each member's journey towards financial health through tailored services like checking accounts, savings options, mortgage loans, and credit cards with rewards. We also focus on community outreach initiatives that align with our values of cooperation and service. In an effort to enhance accessibility, we offer a range of digital advancements including online banking and mobile payment options. We are proud to be ADA compliant to ensure all members can access our services without barriers.

Branch Location & Accessibility

Welcome to Du Trac Community, your friendly neighborhood credit union located at 1310 Washington St in the heart of Dubuque, Iowa. Our branch is conveniently situated near popular local landmarks, making it easy for you to drop by and take care of your banking needs. Whether you're visiting the nearby parks or shopping centers, we're just a short stroll away! At Du Trac Community, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can enjoy a hassle-free visit. You'll find ample parking available right outside, making it easy to pop in even on busy days. We understand that your time is valuable. That's why we offer flexible operating hours that vary depending on events, allowing you to choose the best time for your visit. If you prefer to get things done from the comfort of your home, our online and mobile banking services are here for you too. Need cash? Our branch features an ATM that provides basic access for withdrawals and balance checks whenever you need it. While we currently don't have drive-thru services, our friendly staff is always ready to assist you inside. For any official correspondence, please note that while members can visit us at our main address, all mail should be sent to 3465 Asbury Rd, Dubuque, IA 52004-3250. If you have questions or need assistance, don't hesitate to give us a call at 563-582-1331. We invite you to stop by and see how Du Trac Community can help with your banking needs today!

Member Eligibility

At Du Trac Community, we believe that joining our credit union is more than just opening an account it's about becoming part of a caring and supportive community. If you're looking to become a member, you'll be glad to know that eligibility is accessible for many. To join us, you simply need to live, work, or worship in Dubuque County or surrounding areas. We welcome individuals from various backgrounds and walks of life, making it easy for you to find a place where your financial needs are understood and prioritized. Becoming a member offers you great advantages, including personalized service and access to competitive rates on loans and savings. Our friendly staff at our branch located at 1310 Washington St, Dubuque, IA 52001 is here to guide you through the application process and answer any questions you may have. For more detailed information on membership requirements, check out our eligibility page at https://www.dutrac.org/become-a-member/. If you're ready to take the next step or need assistance, don't hesitate to reach out to us at 563-582-1331!

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running your shop knowing that transactions are quick and secure, allowing you to focus on what truly matters serving your customers. Our tools make it easy to accept payments, manage cash flow, and grow sales. Visit us at 1310 Washington St Dubuque Ia 52001 in Dubuque, IA, or call us at (563) 582-1331 to explore how our business banking services can empower your success!

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we provide robust business banking solutions including merchant services and business loans. We know running a business requires dedication and resources, so we're here to assist with financial products tailored specifically for businesses.

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience is key. At Du Trac Community, we ensure our members have easy access to their accounts through online and mobile banking services. Need cash? Our ATM services are available for withdrawals and balance checks whenever you need them. Whether you're at home in Dubuque or traveling across Iowa, rest assured that managing your finances is just a click away. If you're interested in exploring what we have to offer or if you have any questions about our services, don't hesitate to reach out! Give us a call at 563-582-1331 or visit us at 1310 Washington St Dubuque IA 52001. We look forward to helping you achieve your financial goals!

Home Financing Made Easy

When it comes to homeownership, our mortgage loans and refinancing options provide great flexibility. Whether you're purchasing your first home or looking to refinance for a better rate, we offer personalized solutions that cater to your needs. Our experienced team is ready to guide you through the process so that you feel secure in your decisions.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that fit your lifestyle. Imagine opening a checking account that offers easy online access and mobile banking features. You can check your balance, transfer funds, or even pay bills from the comfort of your home or on the go. We understand that life is busy, which is why our digital banking options make managing your finances easier than ever. For those considering buying a car, our auto loans and vehicle financing options are tailored to get you behind the wheel quickly and affordably. With competitive rates and flexible terms, you can drive off with confidence.

Support for Your Financial Goals

Life brings many unexpected expenses, and our personal loans can help alleviate financial stress when you need it most. From debt consolidation to covering emergency costs, we have options designed just for you. We also offer credit cards with rewards that allow you to earn points while making everyday purchases. It's not just about spending; it's about getting something back!

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://www.dutrac.org/, you can check your balance, transfer funds, and pay bills from the comfort of your couch or while you're out running errands. There's no need to wait in line; just log in and get things done quickly.

Secure Transactions

Your security is our priority. We offer electronic signature authorization for easy document signing and enhanced security when managing your accounts online. And if you prefer to go paperless, our e-statements are available to help you keep track of your finances securely and conveniently. At Du Trac Community, we're committed to making banking accessible and straightforward for all our members. Join us today and experience the benefits of modern banking that fits into your lifestyle!

User-Friendly Features

Our mobile application adds an extra layer of convenience, allowing you to access your accounts right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends or family is as simple as a few taps on your screen. Need to make a quick payment? Our mobile payments feature lets you do just that without any hassle.

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 are proud to share that our financial performance reflects our commitment to serving you with reliability and trustworthiness. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1141 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. 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. Additionally, with $16,323 in used auto loans and a total of $883,743,865 in loans and leases available for our members' needs, our lending capacity supports your financial goals across various sectors. Our operational efficiency shines through with a net income of $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 and 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 1310 Washington St Dubuque Ia 52001 or call 563-582-1331 to learn more about how we can help you achieve your financial goals.

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 options for both new and used vehicles to meet your specific needs. Plus, if you're considering refinancing your current auto loan for better terms or lower rates, we're here to assist you.

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 have various plans tailored to fit different budgets and lifestyles. If you want to explore eligibility options or refinance existing mortgages for more favorable terms, we can guide you through that process too.

Other Financing Options

In addition to personal loans and auto financing, our total credit lines amount to $577,893,831, providing ample opportunity for those needing extra financial support. For business owners seeking growth capital, our outstanding commercial loans totaling $100,818,867 can help you expand your operations or invest in new projects. You can reach us at 563-582-1331 for any questions regarding our loan offerings or if you'd like to discuss which option is best for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're planning a big purchase or simply need assistance managing your finances more efficiently, Du Trac Community is here for you every step of the way!

Unsecured Credit Card Loans

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. Our credit cards come with rewards programs designed to benefit your spending habits while ensuring that you have access to funds when needed.

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