DuTrac CCU (IA/IL/WI) Adds 25-Month CD Special


Availability: Residents of 16 northeast Iowa counties, four northwest Illinois counties, and one southwest Wisconsin county.

DuTrac Community Credit Union (DuTrac CCU) recently added a 25-month CD Special to its product line. The 25-month CD Special has three rate tiers based on deposit balances: 1.70% APY ($5k+), 1.80% APY ($100k+), and 1.90% APY ($200k+). The minimum opening deposit is $5k, with no balance cap.

As stated in the fine print on the Rates page, the "EcoPlus bonus (an additional 0.25%) does not apply."

According to CSR, the Early Withdrawal Penalty on any CD with a term greater than 12 months is 90 days interest on the amount being withdrawn.


Headquartered in Dubuque, DuTrac Community Credit Union offers membership to individuals who live or work in 16 northeast Iowa counties, four northwest Illinois counties, and one southwest Wisconsin county.

Family members of current DuTrac CCU members also qualify for membership.

Iowa Counties: Allamakee, Buchanan, Cedar, Clayton, Clinton, Delaware, Dubuque, Fayette, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Scott, and Winneshiek

Illinois Counties: Henry, Jo Daviess, Rock Island, and Whiteside

Wisconsin County: Grant

Joining DuTrac CCU and/or opening a CD can be done online, or in person at any of 12 Iowa branches located in Clinton, Davenport (2), Dubuque (5), Dyersville, Eldridge, Maquoketa, and Monticello, or the sole Illinois branch in Moline.

Credit Union Overview

DuTrac Community Credit Union (NCUA Charter # 64471) has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 5.11% (excellent) based on December 31, 2015 data. DuTrac CCU has an excellent capitalization level of 11.91%, a result of holding $623.44 million in assets with $74.23 million in equity. Please refer to our financial overview of DuTrac Community Credit Union for more details.

Chartered in 1946, DuTrac Community Credit Union was originally known as the John Deere Dubuque Tractor Works Credit Union, established for the benefit of the Dubuque Tractor Works employees. Like so many fledgling credit unions, DuTrac CCU started its journey in a small office (inside the plant), with few members (56), and modest capital (about $2,000 in deposits and outstanding loans of $1,195). Following a charter change, natural growth, and mergers with a few other credit unions, DuTrac CCU is currently Iowa’s 5th largest credit union, with more than 44,700 members and assets in excess of $623 million.

How the CD Compares

When compared to the 301 similar length of term CDs tracked by DepositAccounts.com that are available to Iowa residents, DuTrac Community Credit Union's 25-month CD Special currently ranks second, regardless of minimum deposit.

The above rates are accurate as of 5/11/2016.

To look for the best CD rates, both nationwide and in your state, please refer to our CD rates table, or our new Rates Map page.