Du Trac Community Credit Union Dubuque IA | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Du Trac Community, your trusted partner in financial growth and well-being since 1946. Located at 3465 Asbury Rd, Dubuque, IA 52002, our credit union is dedicated to serving our 53,282 members with a personal touch that sets us apart from traditional banks. With total assets of over $1.14 billion and robust membership services, we are here to meet your financial needs whether you're looking for a new vehicle loan, a mortgage, or just a simple checking account. While members can visit us at our branch address, official correspondence should be sent to P O BOX 3250, Dubuque, IA 52004-3250. We take pride in offering diverse financial products including auto loans, mortgages, and personal loans, all tailored to fit your unique situation. With total deposits exceeding $85 million and a net worth of $131 million, you can trust that your money is safe with us. Led by our CEO Andrew Hawkinson and Board President Kevin Mueller, our team of dedicated employees totaling 189 is committed to enhancing your banking experience. We provide comprehensive online and mobile banking options to ensure you have access to your finances whenever you need it. At Du Trac Community, we believe in giving back to the community that has supported us for so long. Our commitment goes beyond just numbers; we aim to build lasting relationships based on trust and integrity. Ready to take the next step? Feel free to call us at 563-582-1331 or visit our website at www.dutrac.org for more information about how we can help you achieve your financial goals. Join us today and experience the difference!

Branch History & Mission

Commitment to Innovation

We understand that convenience is key in today's fast-paced world. That's why we have embraced digital advancements to offer online and mobile banking services that allow members to manage their finances anytime, anywhere. Our ADA-compliant facilities ensure accessibility for all our members, while our drive-thru service enhances your banking experience with efficiency. As we look ahead, we continue to focus on customer-centric initiatives that prioritize your needs and well-being. With an experienced team ready to assist you at every turn and operating hours designed for your convenience Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM we are here for you.

Join Us!

We invite you to be part of the Du Trac Community family. Experience firsthand the benefits of membership and discover how we can help you achieve your financial goals while making a positive impact in our community. Visit us today or call us at 563-582-1331 to learn more about how we can serve you better!

Our Journey

Du Trac Community began its journey in a modest setting but has steadily expanded both its services and reach. With our branch located at 3465 Asbury Rd, Dubuque, IA 52002, we are conveniently situated near local landmarks that make us easily accessible for all your banking needs. While members can visit us at this address, official correspondence should be sent to P O BOX 3250, Dubuque, IA 52004-3250. From our early days of offering basic savings and loan products to now providing a full range of financial services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions our mission has always been clear: to empower our members through comprehensive financial solutions while supporting our community's growth.

Our Mission

At Du Trac Community, our mission is simple yet impactful. We strive to enhance the lives of our members by providing exceptional financial services rooted in community values. We believe in building strong relationships and fostering an inclusive environment where everyone can thrive financially. This commitment extends beyond traditional banking; we actively engage in community outreach initiatives that support local causes and improve the quality of life for residents in Dubuque and surrounding areas.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. We have ample parking available, including spots designated for those who require extra assistance. Our building features ADA-compliant ramps and entrances, ensuring that everyone can easily access our services. For your convenience, we also offer drive-thru banking services, so you can handle simple transactions without leaving your vehicle. Whether it's deposits, withdrawals, or balance inquiries, we've got you covered.

Operating Hours

We know your time is valuable, so our operating hours are set to accommodate busy schedules. You can visit us Monday through Thursday from 7:30 AM to 5:30 PM, Friday from 7:30 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 noon. This makes it easy to stop by during the week or on weekends whenever you need assistance.

Services Offered

At Du Trac Community, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we aim to make banking simple and straightforward. Additionally, our ATM availability ensures you have access to cash when needed.

Visit Us Today!

We invite you to stop by our Du Trac Community branch at Asbury Rd in Dubuque or give us a call at 563-582-1331 if you have any questions or need assistance. Our friendly staff is ready to help you with all your banking needs!

Member Eligibility

Becoming a member of Du Trac Community is like joining a caring family that prioritizes your financial well-being. To qualify for membership, you simply need to live, work, or worship in the communities we serve, or have a family member who is already part of our credit union. This makes it easy for many people in the area to enjoy the benefits we offer, from competitive loan rates to personalized service. For those interested in joining us, you can find detailed eligibility criteria at this link. Opening an account is straightforward and welcoming. Just visit us at 3465 Asbury Rd Dubuque Ia 52002, and our friendly team will guide you through the process to ensure you feel right at home. If you have any questions or need assistance, don't hesitate to give us a call at (563) 582-1331. We're here to help you take that first step toward better financial health with Du Trac Community!

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

In today's fast-paced world, seamless payment processing is vital for success. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine having the ability to accept payments anytime, anywhere, making it easier for customers to shop with you. Explore how Du Trac Community, located at 3465 Asbury Rd Dubuque Ia 52002 in Dubuque, IA, can empower your business journey. Reach out to us at (563) 582-1331 or visit our website at https://www.dutrac.org/ for more information!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATMs conveniently located for quick cash withdrawals and balance checks, managing your finances has never been easier. Plus, our basic drive-thru banking allows you to perform simple transactions without leaving your vehicle.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy for you to hit the road in style without breaking the bank. Our competitive rates can help ensure that your monthly payments fit comfortably within your budget.

Business Banking

For business owners, we also offer specialized services such as merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to support you every step of the way.

Credit Cards with Rewards

Experience the benefits of our credit cards that come with rewards! Enjoy perks like cash back or points toward travel while making everyday purchases. It's an excellent way to earn benefits while managing your spending effectively.

Digital Banking Features

We recognize the importance of digital convenience in today's world. That's why Du Trac Community provides online and mobile banking capabilities along with features like person-to-person payments. You'll have everything you need right at your fingertips! Our friendly staff is ready to assist you during our operating hours: Monday through Friday from 8:30 AM to 5:30 PM, Saturday from 9:00 AM to 12:00 noon. Feel free to reach us at 563-582-1331 for any questions or assistance. At Du Trac Community, we are committed to making banking work for you. Visit us today at 3465 Asbury Rd or check out our website at www.dutrac.org for more information about how we can serve your financial needs!

Mortgage Loans & Refinancing

For those considering buying a home or refinancing their current mortgage, we provide comprehensive mortgage solutions tailored to meet your unique needs. Picture yourself in the home of your dreams with manageable payments that won't stretch your finances too thin.

Personal Banking

Our personal banking services are here to help you save and manage your money effectively. Whether you're looking to open a checking or savings account, we've got you covered. Imagine having easy access to your funds with our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills all from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate existing debts, our personal loans are here to assist. We aim to provide flexible terms that make repayment straightforward, allowing you peace of mind as you tackle financial challenges.

Digital & Online Banking

At Du Trac Community, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to give you 24/7 access to your accounts, allowing you to handle your banking needs whenever and wherever it suits you best. Whether you're at home, on the go, or anywhere in between, our online platform is here to help. With just a few clicks, you can explore all that we offer by visiting https://www.dutrac.org/. Our online banking service provides a user-friendly interface for checking balances, making transfers, and reviewing transactions. You'll appreciate the convenience of e-statements, which keep your documents organized without the clutter of paper. We also support electronic signature authorization, making it quick and hassle-free to sign important documents from the comfort of your home. If you're looking for a simple way to send money to friends or family, our person-to-person transfer feature makes this task straightforward and secure. Plus, with mobile payments and our dedicated mobile application available, you can manage your finances right from your smartphone. This means whether you're picking up coffee or shopping for groceries, your bank is always at your fingertips. Security is a top priority for us at Du Trac Community. We utilize advanced security measures so you can feel confident when using our services. Every transaction is protected, giving you peace of mind while you manage your money. In today's fast-paced world, accessibility and ease-of-use are key. That's why we ensure that our online banking features are not only comprehensive but also intuitive. You can quickly check account balances, pay bills, or even set up alerts all designed with you in mind. Experience modern banking tailored for your lifestyle with Du Trac Community. Visit us at https://www.dutrac.org/ today to learn more about how our digital and online banking services can benefit you!

Financial Strength

Building Trust Through Transparency

Net Shares (Funds available for lending and investments): $2,344,040. Total Share 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 3465 Asbury Rd Dubuque Ia 52002 or call (563) 582-1331 to learn more about how we can help you achieve your financial goals.

Committed Team Ready to Serve You

We also take pride in having 180 full-time employees and 9 part-time employees who are dedicated to ensuring our branches are always ready to assist you with knowledge and care.

Member Savings and Investments

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.

Our Financial Health

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. This solid foundation enables us to navigate economic changes with confidence. Our net worth ratio of $1,141 demonstrates a robust capital structure, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Future Growth

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. We believe that investing back into our community leads to better outcomes for everyone.

Supporting Your Financial Goals

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. Our ability to provide funds helps you achieve your dreams whether it's buying a car or funding a major purchase. 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.

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. Whether you're considering financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $100,818,867 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are committed to offering solutions that support your success. At Du Trac Community, we aim to make borrowing as straightforward as possible. If you're interested in refinancing or checking eligibility options for any of our loan products, please feel free to reach out. Our dedicated team is ready to assist you with all your lending needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Don't hesitate to call us at 563-582-1331 or visit us at our branch located at 3465 Asbury Rd Dubuque IA 52002 for more information!

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 provide personalized assistance to ensure that your mortgage experience is smooth and straightforward.

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. These cards can be a great option for those looking to build credit or handle unexpected expenses without the burden of collateral.

Loan Aggregator

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