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

Introduction

Welcome to Du Trac Community, your trusted financial partner located at 337 S Main St, Monticello, IA 52310. Since our establishment in 1946, we have dedicated ourselves to serving our community and supporting the financial needs of our 53,282 members. Whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages, we're here to help you reach your goals. At Du Trac Community, we pride ourselves on our strong foundation of trust and reliability. With total assets amounting to $1,149,745,537 and total deposits reaching $85,185,353, you can be confident that your money is secure with us. Our commitment to providing exceptional service is reflected in our wide range of offerings, including business banking solutions and online services that make managing your finances easier than ever. While members can visit us at our branch location in Monticello, official correspondence should be sent to P.O. Box 3250, Dubuque, IA 52004-3250. Under the leadership of CEO Andrew Hawkinson and Board President Kevin Mueller, our team of 189 employees is dedicated to ensuring that every member receives personalized attention and support. We understand the importance of community involvement and strive to make a positive impact in Monticello and beyond. With a net worth of $131,297,081 and cash in hand totaling $9,196,814, we are positioned to continue investing in local initiatives that benefit all. If you have questions or need assistance, don't hesitate to reach out! You can contact us at (319) 465-5900 during our lobby hours: Monday through Thursday from 8:30 AM to 5:00 PM; Friday until 5:30 PM; and Saturday (drive-up only) from 9:00 AM until noon. Visit us online at www.dutrac.org for more information about our services or to become a member today!

Branch History & Mission

At Du Trac Community, we are proud of our rich history and deep commitment to the Monticello community. Since opening our doors in 1946, we have grown from a small credit union into a trusted financial partner for over 53,000 members. Our branch is located at 337 S Main St, Monticello, IA 52310, right in the heart of town where neighbors come together. For official correspondence, please use our mailing address: P O BOX 3250, Dubuque, IA 52004-3250. Our mission at Du Trac Community goes beyond just providing exceptional financial services. We strive to empower our members with knowledge and resources that help them achieve their financial goals. Whether it's opening a checking account, securing an auto loan, or planning for retirement, our dedicated team is here to guide you every step of the way. Over the years, we've made significant strides in enhancing our services and ensuring accessibility for everyone. With assets totaling over $1.14 billion, we offer a range of products designed to meet the needs of individuals and businesses alike. Our operating hours are convenient Monday through Thursday from 8:30 AM to 5:00 PM, Fridays until 5:30 PM, and Saturdays for drive-up services from 9:00 AM to noon. We understand the importance of being accessible in today's fast-paced world. That's why we proudly offer ATM services and a drive-thru for quick transactions. We also prioritize technology by providing online and mobile banking options so that you can manage your finances anywhere at any time. Community involvement is central to our mission. We actively participate in local events and support various outreach initiatives aimed at improving the lives of those around us. From educational workshops to partnerships with local organizations, we're dedicated to making a positive impact in Monticello. Join us at Du Trac Community and experience firsthand how we're committed to serving you not just as a member but as part of our family. Together, let's build a brighter financial future! For more information or assistance, feel free to call us at 319-465-5900 or visit our website at Du Trac Community.

Branch Location & Accessibility

Get In Touch

Ready to experience top-notch service? Feel free to call us at 319-465-5900 if you have any questions or need assistance. We invite you to stop by and see how we can help you manage your finances effectively!

Operating Hours

Our friendly staff is here to serve you during convenient hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 5:30 PM, and on Saturday for drive-thru service only from 9:00 AM to noon. We aim to make your banking experience as smooth as possible.

Parking & Accessibility

We offer ample parking for our members right outside the branch. Our facility is equipped with accessibility features, including ADA-compliant ramps, ensuring everyone can visit us comfortably. If you prefer not to step inside, you can take advantage of our drive-thru banking service for quick deposits and withdrawals without leaving your vehicle.

Services Offered

At Du Trac Community in Monticello, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we're here to help you achieve your goals. Our ATM is available for cash withdrawals and balance checks anytime you need it. While members can visit us at our branch address, official correspondence should be sent to P O BOX 3250, Dubuque, IA 52004-3250.

Member Eligibility

At Du Trac Community, we believe that everyone deserves a supportive financial community where they can thrive. Becoming a member is simple and welcoming! If you live, work, or go to school in our service areas, you're likely eligible to join us. We pride ourselves on being inclusive and accessible, ready to help you with your banking needs. Not only do our members gain access to a range of financial products tailored for their success, but they also become part of a community that prioritizes personal relationships over corporate red tape. For detailed eligibility criteria, feel free to visit our website at this link. If you're excited to get started with opening an account, don't hesitate to reach out at (319) 465-5900. We're located at 337 S Main St Monticello Ia 52310 and are here to assist you in taking the first step toward joining Du Trac Community!

Business Banking & Commercial Services

Merchant Services That Matter

But it's not just about loans. Our merchant services simplify transactions for your business, allowing you to focus on what matters most your customers. Imagine processing payments quickly, managing cash flow seamlessly, and having the tools at your fingertips to grow your sales all backed by our dedicated support team. Located conveniently at 337 S Main St Monticello Ia 52310 in Monticello, IA, we invite you to explore how our business banking solutions can elevate your operations. Reach out today at (319) 465-5900 or visit us online at https://www.dutrac.org/ to learn more!

Tailored 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.

Comprehensive List Of Services

Accessing Your Funds

Need cash quickly? Our branch provides ATM and cash withdrawal services to give you easy access to your money whenever you need it. Plus, our basic drive-thru banking allows for deposits and withdrawals without leaving your vehicle a perfect solution when you're short on time. At Du Trac Community in Monticello, IA, we're more than just a credit union; we're a community partner dedicated to supporting your financial journey every step of the way. If you'd like to learn more about how we can assist you or if you're ready to take advantage of any of our services listed above, don't hesitate to call us at 319-465-5900 or visit our website at dutrac.org. We look forward to serving you!

Business Banking

For our business members, we offer specialized services under our Business Banking category. This includes Merchant Services & Business Loans, which can help streamline operations and support growth. Running a business comes with its challenges; let us help lighten the load with tools tailored just for you.

Credit Cards and Loans

To further support our members, we provide various lending solutions such as Personal Loans & Debt Consolidation. If you're juggling multiple debts or need extra cash for unexpected expenses, our team can guide you through finding the right solution for your situation. Plus, our Credit Cards with Rewards are designed to earn you benefits on everyday purchases because who doesn't love rewards?

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Du Trac Community offers comprehensive Online & Mobile Banking services. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. You can check balances, pay bills, and transfer funds from anywhere right from your smartphone or computer.

Personal Banking

We understand that managing finances can sometimes feel overwhelming. That's why at Du Trac Community, we offer Personal Banking options including checking and savings accounts that help simplify your daily transactions. Our goal is to provide accounts that not only fit your lifestyle but also help you save for future goals. When it comes to big purchases like vehicles or homes, we offer competitive Auto Loans & Vehicle Financing as well as Mortgage Loans & Refinancing options. Imagine driving off in your dream car or moving into your ideal home with ease! With our straightforward application process and flexible terms, these important milestones can become a reality.

Digital & Online Banking

Key Features

With our robust online banking system available at https://www.dutrac.org/, you can access your accounts 24/7 from the comfort of your home or on-the-go. Our user-friendly interface allows you to manage your finances effortlessly. You can enjoy features like electronic signature authorization, which makes signing documents quick and secure. Plus, with e-statements available, you can easily keep track of your transactions without the clutter of paper. If you're always on the move, our mobile application ensures you never miss a beat. You can make mobile payments directly from your phone, simplifying everyday purchases. Need to send money to a friend? With our person-to-person transfer feature, sending money is just a few taps away.

Security and Support

Your security is our top priority. At Du Trac Community, we use advanced technology to keep your information safe while giving you peace of mind as you bank online. Our team is dedicated to providing support whenever you need assistance, ensuring that all your questions are answered promptly. In today's fast-paced world, having the ability to manage your finances anytime and anywhere is essential. With services like Yes and mobile applications, Du Trac Community empowers you to take control of your financial journey with ease and confidence.

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 our strong financial position, which reflects our commitment to serving you. With a net worth of $131,297,081, we maintain robust 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. 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 commitment to reinvesting in the community is evident with $68,485,852 in undivided earnings. This allows us to enhance banking tools, strengthen lending options, and improve security measures to better serve our members. With $16,323 in used auto loans and $883,743,865 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by a net income of $2,975,115, which enables us to continue providing 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 who are dedicated to delivering exceptional service. Net Shares (funds available for lending and investments) stand at $2,344,040, reinforcing our ability to support your needs. With a growing member base reflected by 104,154 total share accounts, trust continues to build within our community. 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 337 S Main St Monticello Ia 52310 or call (319) 465-5900 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $290,927,932 in used vehicle loans and $96,131,378 in new vehicle loans to help members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used car, our team is here to assist you every step of the way.

Business Loans

For business owners looking for capital to grow and expand their operations, we have outstanding commercial loans totaling $100,818,867. These funds can be critical for taking your business to the next level. If you're interested in exploring these options further or have questions about eligibility and refinancing opportunities, feel free to reach out! You can contact us at 319-465-5900 or visit us at 337 S Main St Monticello IA 52310. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Du Trac Community, we're committed to providing you with transparent information so you can make informed decisions about your financial future.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $24,385,700, making buying or refinancing simple. We provide guidance throughout the process and offer refinancing options to help you make the most of your investment.

Unsecured Credit Card Loans

Managing everyday expenses can be tricky. That's why 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 and benefits that can complement your spending habits.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, promoting transparency and trust. - No Sponsored Listings: Unlike some platforms, LendMesh does not prioritize lenders based on paid promotions. Their focus is solely on providing unbiased results that serve the user's best interests. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, empowering them to make informed financial decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financial options. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This information is based on the latest results (Source: https://www.ncua.gov), ensuring that users receive fair and transparent offers.