NCUA Insured
Member-Owned
2 charter
Established in 1946
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Dubuque, IA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1946
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Dubuque and serves members in the IA area. Currently serving 53,305 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.09%Used Auto Loan
4.99%Personal Loan
11.84%Credit Card APR
11.74%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).
Sioux City, IA
Waterloo, IA
West Des Moines, IA
Des Moines, IA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
2.9
38 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsPatrina Livai
2 years ago
I’ll say this. I have never banked at DuTrac and I honestly will never. Even if you’re not working, if you have a DuTrac name tag on- youre still representing that company. Shaina from DuTrac. You were super rude. Train your employees to uphold a professional manner regardless if they are on the clock or not. Ridiculous and disappointing.
HDRAZZ
2 years ago
It's a shame when you contact Dutrac concerning a charge that was canceled, and the charge was put through anyway and your sent to speak to someone from another country whom won't help you, because the charge is still pending??? Why don't they stop the unauthorized process before it happens?? Instead they want to cancel your card, and inconvenience the member! I was sent a receipt from the company showing they were going to take the money they were aware of this, and still refused to help me until the transaction went through that they could have stopped! Dutrac helps the people hurting their customers first, then complains they lose money because they're unable to retrieve the money back from the person charging the customers accounts when the customer comes to them before any money has been taken, and makes them aware it was unauthorized ! By by Dutrac I don't feel safe with you having control of my unauthorized purchases anymore! Nor decision made about my account from foreign countries!
Drake Taylor
4 years ago
I have had my auto loan through DuTrac for three years. Recently my car was hit and deemed a total loss. Kim and Nicole the loan officers could not have been anymore helpful. My experience with them was second to none! I would recommend this financial institution to anyone anywhere.
brian lowe
4 years ago
This review is specifically for the Walmart branch which is not listed on Google Maps. Although I frequent this place and would normally have a good review, today was not a good experience. My niece just got her first paycheck and I was trying to help her by cashing her check endorsed to me. The bank refused to do it. Despite having my account they wanted her ID and said no faster than she could provide one. Then they advised me to go to Dupaco. So there you have it. I've had an account here for 38 years. They know me by my first name. I just don't get it.
Hannah Rupp
10 years ago
I have had my car loan with them for a year now. When I opened my loan I also wanted to consolidate unsecured loans but at that time they wouldn't since they hadn't established a relationship with me and my score was low. They said wait six months. Understandable. Six months later, was told the same thing, Now, my score is up over 100 points, paid off collections, and never missed a car payment and make more money. Still won't do it because of credit cards I have that don't even have a balance on them. If it wasn't for the low rate on my loan I would move everything away you guys. You lie and use a bad credit pull system. Doesn't make sense that one lender that pulls me almost 75 points higher even though they are both Transunion. Don't tell people you will work with them if you really don't plan on it. You should be ashamed to call yourselves a Credit Union.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(563) 582-1331Website
Visit WebsiteMembers
53,305
Total Assets
$1.2B
Year Opened
1946
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile