Du Trac Community Credit Union Dyersville IA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Du Trac Community, your trusted credit union located at 1161 16th Avenue Ct SE, Dyersville, IA 52040. Since our establishment in 1946, we have proudly served the financial needs of our community, currently boasting a membership of over 53,000 individuals. At Du Trac Community, we believe that every member deserves personalized service and financial solutions tailored to their unique needs. With total assets exceeding $1.14 billion and a robust net worth of $131,297,081, we are committed to providing safe and sound banking options for our members. Our dedication is reflected in our wide range of services from checking and savings accounts to auto loans and mortgages ensuring that you can find what you need right here with us. While you can visit us at our Dyersville branch for all your banking needs, please note that any official correspondence should be sent to the same address: 1161 16TH AVENUE CT SE, DYERSVILLE, IA 52040. Under the leadership of our CEO, Andrew Hawkinson, and Board President, Kevin Mueller, we strive to foster a welcoming environment where you can feel confident in your financial decisions. Our team of 189 dedicated employees is here to assist you with everything from personal banking to business services. At Du Trac Community, we understand the importance of being there for our members, which is why we offer convenient options like online and mobile banking. With cash on hand totaling $9,196,814 and total deposits reaching $85,185,353, your money is secure with us. Join us today as we continue to grow together! For more information or assistance, don't hesitate to call us at 563-582-1331. Visit our website at dutrac.org to learn more about becoming a member or explore our range of services designed just for you. Your financial journey starts here!

Branch History & Mission

At Du Trac Community in Dyersville, Iowa, we take pride in our rich history and our commitment to serving the community. Since opening our doors in 1946, we've dedicated ourselves to providing exceptional financial services while fostering strong relationships with our members. Located at 1161 16th Avenue Ct SE, our branch has become a cornerstone of support for families and businesses alike in this vibrant community. Over the years, Du Trac Community has grown significantly. We now proudly serve over 53,000 members and manage total assets of more than $1.14 billion. This growth is not just about numbers; it reflects our ongoing commitment to improving the lives of those we serve. Our mission is clear: to empower our members through accessible financial solutions while actively contributing to the well-being of the Dyersville area. Our team is here to ensure that banking is easy and convenient. With operating hours from Monday to Thursday, 8:30 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to noon (Drive-Up Only), we are always ready to assist you. Additionally, we offer both ATM services and drive-thru banking for added convenience. While members can visit us at our branch address, official correspondence should be sent to 1161 16TH AVENUE CT SE, DYERSVILLE, IA 52040 if different. We believe in maintaining open lines of communication so that every member feels valued. At Du Trac Community, we embrace innovation while adhering to traditional values. Our digital banking services are designed with you in mind, providing safe and easy access to your accounts anytime, anywhere. We're also committed to being ADA compliant and ensuring all members can enjoy our facilities without barriers. Community involvement is at the heart of what we do. We actively participate in local events and partnerships that uplift Dyersville and surrounding areas. Whether it's through sponsorships or volunteering efforts, we strive to make a positive impact beyond banking. Join us at Du Trac Community and experience firsthand how we're more than just a credit union; we're your neighbors dedicated to helping you achieve financial success. We invite you to be part of our family where every member matters. For more information on becoming a member or accessing our services, visit us online at Du Trac Community or give us a call at 563-582-1331 today!

Branch Location & Accessibility

Contact Us Anytime

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 563-582-1331 or visit our website at Du Trac Community for more information. We're excited to help you achieve your financial goals and look forward to seeing you soon at our Dyersville branch!

Convenient Location

Our Dyersville branch is not far from popular local landmarks, making it easy to find. You can swing by after visiting the nearby parks or while running errands in the area. We offer ample parking right outside the building, so you won't have to worry about finding a spot. Plus, our branch is designed with accessibility in mind, featuring ADA-compliant ramps and facilities for everyone to feel welcome.

Friendly Services and Hours

At Du Trac Community, we pride ourselves on providing a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Our lobby hours are as follows: Monday through Thursday from 8:30 AM to 5 PM, Friday from 8:30 AM to 5:30 PM, and Saturday for drive-up service only from 9 AM to noon. If you need quick access to cash or want to check your balance, take advantage of our ATM availability right on-site. And if you prefer face-to-face service without stepping inside, our drive-thru banking option is perfect for quick deposits and withdrawals.

Member Eligibility

At Du Trac Community, we believe that everyone deserves the opportunity to thrive in a supportive financial community. Becoming a member is easy! If you live, work, worship, or attend school in Dubuque County or nearby areas, you're already eligible to join us. We welcome individuals and families from all walks of life because we want to ensure everyone has access to our range of services that can help you reach your financial goals. Whether you're looking for personal banking, auto loans, or online banking options, membership at Du Trac Community means you'll enjoy personalized service tailored just for you. Ready to take the next step? You can find more detailed eligibility criteria by visiting this link. If you have any questions or need assistance with the membership process, feel free to give us a call at (563) 582-1331. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Options for Your Business

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 the tools you need to accept payments easily and efficiently. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to online payment solutions, we ensure your customers have a smooth experience every time they shop with you. Located conveniently at 1161 16Th Avenue Ct Se Dyersville Ia 52040, Dyersville, IA, we're here to help your business thrive. Reach out today at (563) 582-1331 and discover how Du Trac Community can be your partner in success!

Comprehensive List Of Services

Accessibility Made Easy

We know life can get busy, which is why we've made banking as straightforward as possible at Du Trac Community. Our basic drive-thru banking offers easy deposits, withdrawals, and simple transactions all from the comfort of your vehicle. If you're on the go and need quick cash or balance checks, our ATMs are readily available for you. Whether you're visiting us at our branch located at 1161 16Th Avenue Ct Se, or contacting us at 563-582-1331, we want every interaction with Du Trac Community to be positive and productive. As a member-focused credit union since 1946, we're committed to serving Dyersville with dedication and integrity. Explore all that we have to offer by visiting our website today! Let us partner with you on your financial journey because at Du Trac Community, it's not just about banking; it's about building relationships that last a lifetime.

Business Banking Services

At Du Trac Community, we understand that small businesses are the backbone of our community. That's why we offer specialized business banking services including merchant services to help you accept payments smoothly and business loans designed to fuel your growth. We're dedicated to supporting local entrepreneurs and helping their businesses thrive.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Our ATM services ensure you have access to cash whenever you need it, while our drive-thru facility allows for quick transactions without leaving your car.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that cater to different lifestyles, making it easier for you to manage your day-to-day finances. If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options are competitive and accessible. Additionally, we provide mortgage loans and refinancing solutions for those ready to invest in their dream home. For those looking to consolidate debt or manage unexpected expenses, our personal loans can provide the financial relief needed. Plus, with our credit cards that offer rewards, you can earn benefits on every purchase, making everyday spending a little more rewarding.

Digital & Online Banking

Convenience at Your Fingertips

Need to send money to a friend or family member? Our person-to-person transfer feature allows you to quickly send funds without hassle. And if you prefer using your smartphone for payments, our mobile payments option lets you make purchases effortlessly. With Du Trac Community, managing your money is not just easy; it's also accessible whenever you need it. Embrace the freedom of real-time account management with our robust online services. Join us today and experience the future of banking!

Key Features of Our Digital Banking Services

Our online banking platform allows you to view your account balances, transfer funds, and pay bills anytime, anywhere. Whether you're at home or on the go, you can have peace of mind knowing that your financial information is secure. We take security seriously and provide electronic signature authorization, ensuring that your transactions are protected. You can also sign up for e-statements with just a few clicks! This not only helps you stay organized but also contributes to a greener planet by reducing paper waste. Plus, our mobile application offers a user-friendly interface that makes banking on the move simple and straightforward.

Financial Strength

Growing Together

Total Share Accounts: 104,154, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,344,040. 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 1161 16Th Avenue Ct Se Dyersville Ia 52040 or call (563) 582-1331 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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.

Operational Efficiency

Our $2,975,115 reflects our operational efficiency, 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.

Our Strong Financial Position

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.

Reinvesting in Your Future

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 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.

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 interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $100,818,867 provide the capital needed to grow and expand your business operations. Whether you're starting a new venture or looking to enhance an existing one, we are committed to supporting local businesses through tailored lending solutions. At Du Trac Community, we prioritize transparency and accessibility in all our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you're ready to take the next step toward achieving your financial aspirations or if you want to learn more about our loan offerings and eligibility requirements, visit our website at Du Trac Community or contact us directly at the number provided above. Let us help you navigate your financial journey!

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 come with competitive rates and can be an excellent tool for managing everyday expenses or unexpected costs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $24,385,700, making it easier for you to secure the home of your dreams. Plus, if you're considering refinancing your current mortgage, we can help you explore eligibility options that may lower your monthly payments.

Loan Aggregator

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Ensuring 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. This focus on compliance means users can trust that they are getting legitimate offers without hidden fees or misleading information.