Back to Dubuque credit unions

Dutrac Community

P O BOX 3250, Dubuque, IA 52004
NCUA Insured2.9 (38 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1946

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O BOX 3250

Dubuque, IA 52004

Service Area

This credit union is located in Dubuque and serves members in the IA area. Currently serving 53,305 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(15 total)

Member Reviews

2.9

38 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Patrina Livai

Patrina 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

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

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

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

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.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).