DuTrac Community Credit Union Adds 48-Month Bump Up CD, 3.25% APY


Deal Summary: 48-month Bump Up Certificate Special, 3.25% APY, $5k minimum deposit, one-time rate increase option.

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

Iowa-based DuTrac Community Credit Union (DuTrac CCU) has added a 48-month Bump Up Certificate Special, which earns 3.25% APY. This limited-time offer can be opened with a $5k minimum deposit, with no stated balance cap.

The 48-month Bump Up Certificate Special is also available as an IRA (Traditional, Roth, CESA), earning the same APY with the same funding requirements.

As stated in the fine print on the Rates page, the "EcoPlus bonus (an additional 0.25%) does not apply." The Bump Up option allows members to,

increase the 48-month CD bump up rate one time during the original term to that of the current DuTrac 48-month standard CD rate. The newly elected rate will go into effect for the remaining life of the original term. Members responsible for communicating bump up rate request.

15-Month Certificate Special

At the beginning of the month, DuTrac CCU added a 15-month Certificate Special. Like the 48-month Certificate, the 15-month Certificate Special requires a minimum $5k opening deposit, but the similarity between the two ends there. There is no Bump Up option for the 15-month and its 2.65% APY isn’t that competitive, with nearly 30 other available CDs offering a higher rate.

According to CSR, the Early Withdrawal Penalty on any CD with a term greater than 12 months is 180 days interest on the amount being withdrawn.


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

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

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

Joining DuTrac CCU 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.

A Bump Up Certificate Special can be opened at any of the above-mentioned branches, but not online. According to DuTrac CCU’s Savings page,

If you would like to open a Certificate of Deposit please contact a highly qualified financial services consultant by email at [email protected], by phone at (563) 582.1331 or (800) 475.1331, or stop into any of DuTrac’s convenient office locations.

Opening a Share Savings account ($5 minimum opening deposit) is required when joining DuTrac CCU.

Credit Union Overview

DuTrac Community Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.65% (excellent) based on December 31, 2018 data. In the past year, DuTrac CCU has increased is total non-brokered deposits by $1.21 million, an above average annual growth rate of 0.2%. Please refer to our financial overview of DuTrac Community Credit Union (NCUA Charter # 64471) 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 sixth largest credit union, with more than 47,000 members and assets in excess of $709 million.

How the Bump Up CD Special Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available in eastern Iowa, DuTrac Community Credit Union's 48-month Bump Up CD Special currently ranks first.

The above rates are accurate as of 5/22/2019.

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

Related Pages: Cedar Rapids CD rates, Davenport CD rates, 5-year CD rates

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."

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