Average User Rating:
2 star rating based on 1 review.

Dupaco Community Credit Union

3299 Hillcrest Road
Dubuque, IA 52001
563-557-1700 ext. 2807
www.dupaco.com

NCUA

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Dupaco Community Credit Union is headquartered in Dubuque and is the 3^rd largest credit union in the state of Iowa. It is also the 183^rd largest credit union in the nation. It was established in 1948 and as of December of 2012, it had grown to 236 employees and 67,413 members. Dupaco Community Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Dupaco Community Credit Union Routing Number: 273974581

Rate Drop Hi-Yield Savings (Forum) - 5/3/2012

dupaco has dropped their rate for the second time this year on their h/y savings account. I was looking to do some transferring before this rate drop due to some issues with their services , but know the time has come to look into some long term cd'

Top CD Rates at Dupaco Community Credit Union in Parts of IA, IL & WI - Local Only - 2/9/2012

Dupaco Community Credit Union is offering two CD specials with very competitive rates: 1.91% APY for 35 months and 1.30% APY for 15 months. Minimum deposit is $5,000. The credit union also has competi ...

High-Yield Rate Drop (Forum) - 9/9/2011

dupaco has lowered the rate on the High-Yield savings account rate again.

Top Rates on CD Specials at Dupaco Community Credit Union in IA, IL & WI - Local Only - 6/15/2011

Dupaco Community Credit Union is offering two CD specials with very competitive rates: 2.11% APY for 35 months and 1.51% APY for 15 months. Minimum deposit is $5,000. These rates are listed in the cre ...

2011

4/1 - Dupaco CU Drops Hi-Yield Savings .25 % To 1.75 % (Forum)

2010

5/5 - CD and Money Market Deals at Dupaco Community Credit Union in IA, IL & WI - Local Only

2009

2008

7/6 - 6.00% 6-Month CD at an IA/WI/IL Credit Union - $5K Max (Dupaco Community).

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See Rates for: Checking | Savings | Money Market | CD | IRA

Dupaco Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	1st Rate Checking

Dupaco Community Credit Union Savings Account Rates

Apy	Min	Max	Product
1.76%	$15k	-	Variable IRA
1.76%	$15k	-	Variable Roth IRA
0.60%	$25k	-	Health Savings Account
0.50%	$25k	-	Regular Savings
0.50%	-	-	Holiday Club
0.25%	-	-	Escrow (Insurance and Tax)

Dupaco Community Credit Union Money Market Rates

Apy	Min	Max	Product
0.70%	$100k	-	Investors Choice
0.30%	$2,500	$10k	Insured Money Management

Dupaco Community Credit Union CD Rates

Apy	Min	Max	Product
2.01%	$1k	-	60 Month Term Share Certificate
1.61%	$1k	-	48 Month Term Share Certificate
1.51%	$5k	-	35 Month Special Term Share Certificate
1.30%	$1k	-	36 Month Term Share Certificate
1.20%	$1k	-	30 Month Term Share Certificate
1.00%	$1k	-	24 Month Term Share Certificate
1.00%	$5k	-	15 Month Special Term Share Certificate
0.90%	$1k	-	18 Month Term Share Certificate
0.75%	$1k	-	12 Month Term Share Certificate
0.40%	$1k	-	6 Month Term Share Certificate

Dupaco Community Credit Union IRA Rates

Apy	Min	Max	Product
2.01%	$1k	-	Fixed IRA 60 Months
2.01%	$1k	-	Fixed Roth IRA 60 Months
1.30%	$1k	-	Fixed IRA 36 Months
1.30%	$1k	-	Fixed Roth IRA 36 Months
0.90%	$1k	-	Fixed IRA 18 Months
0.90%	$1k	-	Fixed Roth IRA 18 Months

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

DUPACO COMMUNITY
NCUA #	64049
BankRate Report	View
Year Chartered	1948
Employees	236
Primary Regulator
Assets and Liabilities
Assets	$1.07 billion
Loans	$550.44 million
Deposits	$915.92 million
Equity Capital	$136.76 million
Loan Loss Allowance	$7.45 million
Unbacked Noncurrent Loans	$9.35 million
Real Estate Owned	$312,000
Historic Data - December 2011
Assets	$975.14 million
Equity Capital	$113.20 million
Loan Loss Allowance	$6.41 million
Unbacked Noncurrent Loans	$7.45 million
Real Estate Owned	$631,000
Profit Margin - Quarterly
Net Interest Margin	4.68%
Return on Assets	1.97%
Return on Equity	15.4%
Interest Income	$42.80 million
Non-Interest Income	$21.10 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Dupaco Community Credit Union had $9.66 million in non-current loans and owned real-estate with $144.21 million in equity and loan loss allowances on hand to cover it. This gives Dupaco Community Credit Union a Texas Ratio of 6.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Dupaco Community Credit Union held steady from 6.75% as of December 31, 2011 to 6.70% as of December 31, 2012, resulting in a positive change of 0.75%.This indicates that the balance sheet and financial strength for Dupaco Community Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Dupaco Community Credit Union has increased its total deposits by $69.16 million, resulting in 8.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dupaco Community Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dupaco Community Credit Union has $1.07 billion in assets with $144.21 million in equity, resulting in a capitalization level of 13.51%, which is excellent.

Complicated Ira Transfer Deposit
2 stars

- diamondx - Thursday, May 9, 2013 - 12:48 AM

I travel out of state for my job a lot and am not able to just walk in to my cu. Isn't this why there is online banking ? I have a IRA at another cu and was wanting to transfer it to dupaco cu. I contacted dupaco thru an online banking secure email and they replied to me on my regular email. ?? So now they want all account numbers from the outside cu and they will email me the paperwork via another "jump thru some hoops" secure email. Unable to open this new email to download paperwork and ask them to just send blank paperwork and inform them that I am able to fill in the balnks with my account numbers and then usps mail back. Apparently that can not be done -- 2 days since I requested and no reply.

This cu seems to want to go out of their to complicate things. What will be the headache when I decide to cash out ?