Du Trac Community Credit Union Eldridge IA | Best Auto Loans & Business Banking

Introduction

Welcome to Du Trac Community, your trusted partner in financial well-being, located at 200 N 4Th Ave, Eldridge, IA 52748. Since our establishment in 1946, we have been dedicated to serving our members and the community with care and commitment. With a membership base of over 53,000, we are proud to offer personalized banking solutions designed to meet your unique needs. At Du Trac Community, we understand that every dollar counts. That's why we manage total assets of approximately $1,149,745,537, ensuring that your money is secure and working hard for you. Our financial strength is further reflected in our total deposits of $85,185,353 and a net worth of $131,297,081. Whether you're looking for auto loans or personal banking services, we're here to help with an array of options including 35,379 loans and leases tailored just for you. While members can visit us at our branch in Eldridge, official correspondence should be sent to P O BOX 3250, Dubuque, IA 52004-3250. With a dedicated team of 189 employees, led by our CEO Andrew Hawkinson and Board President Kevin Mueller, we strive to create a warm and welcoming environment where you can feel confident about your financial decisions. Our commitment goes beyond just numbers; we aim to make a real impact in our community. From offering competitive rates on loans to providing essential banking services like online and mobile banking, we are dedicated to making life easier for our members. If you have any questions or want to learn more about what we offer, don't hesitate to reach out! You can give us a call at 563-285-7771 or visit us online 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

Du Trac Community has been a cornerstone of financial support in Eldridge, Iowa, since its establishment in 1946. Over the decades, we have proudly grown alongside our community, evolving from a small credit union into a trusted partner for over 53,000 members. Our branch at 200 N 4th Ave is strategically located to serve not just Eldridge but also the surrounding areas, providing easy access to vital banking services. From our humble beginnings, we have witnessed remarkable milestones. Our commitment to delivering exceptional service and community engagement has fueled our growth. Today, with total assets exceeding $1.1 billion, we continue to empower our members through a range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. At Du Trac Community, our mission is clear: we are dedicated to enhancing the financial well-being of our members while making a positive impact in the communities we serve. We believe in building lasting relationships based on trust and transparency. This mission drives us to provide tailored financial solutions that meet the diverse needs of our members. We strive to be more than just a credit union; we aim to be a supportive ally in every member's financial journey. While members can visit us at 200 N 4Th Ave Eldridge Ia 52748, official correspondence should be sent to P O BOX 3250, Dubuque, IA 52004-3250. We understand the importance of accessibility and convenience; therefore, our branch features both ATM availability and drive-thru banking for quick transactions. Our operating hours are designed with your schedule in mind: Monday through Thursday from 8:30 AM to 5 PM, Friday until 5:30 PM, and Saturday for drive-thru services from 9 AM to noon. In addition to traditional banking services, we embrace digital advancements that enhance member experience. From online banking and mobile payments to e-statements and person-to-person transfers, we ensure that managing your finances is straightforward and efficient. Our dedication extends beyond banking as we actively engage with local organizations and initiatives aimed at uplifting our community. Partnerships with schools and non-profits highlight our commitment to making a difference where it counts most. We invite you to join Du Trac Community today and experience firsthand the benefits of being part of a credit union that truly cares about your financial success. Together, let's build a brighter future for you and our community!

Branch Location & Accessibility

Call to Action

Ready to experience friendly service and expert financial advice? We invite you to visit us at our Eldridge branch or give us a call at 563-285-7771. Let us help you reach your financial goals today!

Nearby Landmarks and Accessibility

Our Eldridge branch is close to several local landmarks, which makes finding us simple. We are just a short drive from Eldridge's community park and nearby shopping areas. Parking is readily available for your convenience, and our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps.

Operating Hours

We understand that everyone has busy schedules, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 8:30 AM to 5 PM and on Fridays until 5:30 PM. For those who prefer drive-thru banking, we're here for you on Saturdays from 9 AM to noon.

Services Offered

At Du Trac Community, we take pride in providing a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we are equipped to assist you every step of the way. Our ATM services are available for quick cash withdrawals and balance checks, ensuring that you have access to your funds whenever you need them. Plus, with our drive-thru service, simple transactions like deposits and withdrawals can be handled quickly and efficiently.

Member Eligibility

At Du Trac Community, we believe that everyone deserves a chance to be part of a caring and supportive financial family. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Scott County or the surrounding areas, you are likely eligible to join us. We also extend membership to family members of existing Du Trac Community members, making it easy for you to share the benefits with your loved ones. Once you're on board, you'll enjoy personalized service and a range of financial products tailored just for you, from checking accounts to loans. Ready to take the next step? You can find detailed information about our eligibility criteria at this link. If you have any questions or need assistance, feel free to give us a call at (563) 285-7771. We're here to help make your journey into membership as smooth as possible! Come visit us at our branch located at 200 N 4Th Ave Eldridge Ia 52748, and let's embark on this exciting financial adventure together.

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 having a reliable partner that streamlines your payment processing. Our merchant services make it easy for businesses to accept payments, manage transactions efficiently, and enhance customer satisfaction. From point-of-sale systems to online payment solutions, we provide the tools you need to thrive in today's market. Join us at Du Trac Community in Eldridge, IA, and let's take your business to the next level together! For more information, call us at (563) 285-7771 or visit our website at https://www.dutrac.org/.

Comprehensive List Of Services

Business Banking

If you're a business owner, we also cater to your needs with comprehensive business banking services. From merchant services that facilitate transactions for your customers to business loans that help grow your enterprise, we support local businesses in reaching their goals.

Credit Options

For those who enjoy rewards while spending, our credit cards with rewards programs allow you to earn points on purchases you're already making. This makes it easy to earn benefits just by using your card for everyday expenses.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking platforms that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. Plus, our ATM availability ensures you have access to cash whenever needed.

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing services are here to assist you every step of the way. We understand that buying a home is one of the biggest decisions you'll make, which is why we work closely with you to find the best mortgage solution. If you're looking to consolidate debt, our personal loans can help simplify your payments and lower your monthly obligations.

In-Person Services

For those who prefer face-to-face interactions, our branch offers basic drive-thru banking for quick deposits, withdrawals, and simple transactions. You can also visit us at our location at 200 N 4Th Ave Eldridge IA 52748 or give us a call at 563-285-7771 during our operating hours: Monday through Thursday from 8:30 AM to 5 PM and Friday from 8:30 AM to 5:30 PM. We invite you to explore all that Du Trac Community has to offer. With a commitment to exceptional service and financial well-being, we're here for all your banking needs. Connect with us today or visit our website for more information!

Personal Banking

We offer a variety of personal banking options designed for your everyday needs. Whether you're looking for checking and savings accounts to manage your day-to-day expenses or planning for the future, our accounts come with features that benefit you. For those considering a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to help get you on the road.

Digital & Online Banking

At Du Trac Community, we understand that managing your finances should be easy and secure. That's why we offer a robust suite of digital and online banking services designed to meet your needs anytime, anywhere. With our 24/7 online banking platform, you can access your accounts at your convenience, ensuring that you have real-time control over your finances. Explore our digital banking offerings at https://www.dutrac.org/. You'll find features like electronic statements that keep you organized without the clutter of paper. Plus, with electronic signature authorization, signing documents is a breeze no need to visit the branch in person! Our mobile application provides even more flexibility, allowing you to manage your money on the go. Whether you're making mobile payments or using our person-to-person transfer feature to send money quickly to friends or family, we've got you covered. You can easily make transactions with just a few taps on your smartphone. Accessibility is key for us. We believe banking should fit into your lifestyle, not the other way around. Our online banking services are user-friendly and equipped with top-notch security features to keep your information safe while you bank from home or wherever life takes you. So whether you're checking balances, transferring funds, or reviewing e-statements, rest assured that Du Trac Community has made it simple and secure for you to stay on top of your financial goals. Join us today and experience the convenience of modern banking!

Financial Strength

A Thriving Community of Members

With 104,154 total share accounts, we have a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,344,040.

Investment in Our Future Together

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 capacity to support your financial goals is reflected in our offerings: with $16,323 in used auto loans and $883,743,865 in total loans and leases, we're here to help you achieve your aspirations.

Member-Focused Savings and Growth

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 You Can Trust

Our commitment to 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, committed team.

Our Solid Financial Foundation

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.

Your Trusted Partner

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 200 N 4Th Ave Eldridge Ia 52748 or call (563) 285-7771 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. Whether you're considering a brand-new model or a reliable used car, we have options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $100,818,867 provide the capital needed to grow and expand your business. We aim to support local entrepreneurs with competitive rates and flexible repayment terms. If you're considering refinancing any of these products or want to know if you qualify for one of our loan offerings, feel free to reach out. Our friendly team is here to assist you every step of the way. For more information or to discuss your options further, give us a call at 563-285-7771. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 clear guidance through the mortgage process, ensuring you understand each step along 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. This option allows you to make purchases while maintaining financial flexibility.

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