Current Rates

Vehicles

Real Estate

Credit Cards

Deposit Accounts

Savings Accounts


New/Used Cars & Trucks

Rates As Low As*

Model Year37 Months50 Months65 Months78 Months
2012 & Newer 1.49% 1.49% 1.49% 1.49%
2011 - 2010 1.74% 1.99% 2.24% 2.74%
2009 - 2007 2.99% 3.24% 4.49% --

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.

tinyleaf.gifRate also includes a .25% discount for qualifying SmartWaySM vehicles.

Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.

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Motorcycles 

Rates As Low As*

1200cc or larger

Model Year37 Months50 Months65 Months78 Months
2012 & Newer 1.74% 1.74% 1.74% 1.74%
2011 - 2010 1.99% 2.24% 2.49% 2.99%
2009 - 2007 3.74% 3.99% 5.24% --

under 1200cc

Model Year37 Months50 Months65 Months
2012 & Newer 4.24% 4.49% 4.74%
2011 - 2009 6.74% -- --

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.

Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.

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RVs, Motor Homes, Travel Trailers, Pop Up Campers

Rates As Low As*

Motor Homes

Model Year 37 Months50 Months65 Months78 Months
2012 & Newer 1.74% 1.74% 1.74% 1.74%
2011 - 2010 1.99% 2.24% 2.49% 2.99%
2009 - 2007 3.24% 3.49% 4.74% --

 

RVs/Travel Trailers

Model Year37 Months50 Months65 Months
2012 & Newer 3.99% 4.24% 4.49%
2011 - 2009 5.49% 5.74% --

 

Pop Up Campers

Model Year37 Months50 Months65 Months
2012 & Newer 4.24% 4.49% 4.74%
2011 - 2009 6.74% -- --

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit.  The APR you receive will be based upon creditworthiness criteria.  A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.

Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.

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Boats

Rates As Low As*

Model Year37 Months50 Months65 Months
2012 & Newer 3.99% 4.24% 4.49%
2011 - 2009 5.49% 5.74% --

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit.  The APR you receive will be based upon creditworthiness criteria.  A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.

Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.

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ATVs, Jetskis, Snowmobiles, Lawn Tractors

Rates As Low As*

Model Year37 Months50 Months65 Months
2012 & Newer 4.24% 4.49% 4.74%
2011 - 2009 6.74% -- --

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit.  The APR you receive will be based upon creditworthiness criteria.  A maximum loan to value (LTV) of 80% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.

Loans for over 80% LTV and older models with flexible payments also available at similar money saving rates.

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Mortgage Rates

Real Estate rates are accurate as of the date shown and subject to change without notice.
Some rates may require the payment of points.
Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information.
Rates last updated:  July 31, 2014

TypeTermPointsRateAnnual Percentage Rate (APR)
3 Year ARM** 30 Years 0 3.250% 2.9215%*
5 Year ARM** 30 Years 0 3.250% 2.9853%*
7 Year ARM** 30 Years 0 3.500% 3.2176%*
15 Year Fixed (Loan Amount $150,000) 15 Years 0 3.500% 3.6142%
15 Year Fixed (Loan Amount $200,000) 15 Years .125 3.375% 3.4740%
30 Year Fixed (Loan Amount $150,000) 30 Years 0 4.250% 4.3160%
30 Year Fixed (Loan Amount $200,000) 30 Years 0 4.250% 4.2957%
30 Year Fixed (Loan Amount $300,000) 30 Years 0 4.250% 4.2755%
VA 30 Year Fixed (Loan Amount $150,000) 30 Years 0 3.825% 3.9888%

*APR's are based on a $150,000 purchase loan.
**Rate and APR subject to change after the initial 3, 5 or 7 year fixed period.
3/1, 5/1, 7/1, ARM loans:
What is an ARM? “ARM” stands for Adjustable Rate Mortgage. With this type of loan, your rate is locked in for 3, 5, or 7 years and then adjusts once a year thereafter. Your rate can adjust up or down depending on the limits of your loan terms and the position of the market. These loans are great for buyers who want to lock in a low rate for a set number of years. A buyer may choose to refinance (pay off the existing loan with a new loan, especially if the interest rate is lower) at any time to a fixed rate. View additional loan descriptions & disclosures

Mortgage Rates for conventional loans are based on the loan amount indicated within the table with an 80% loan-to-value. If the loan-to-value is greater than 80%, mortgage insurance may be needed which could increase the APR.

Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $7.02 per $1,000.00 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.84 per $1,000.00 borrowed.

Other rates and terms available.  Please call (563) 582-1331 or (800) 475-1331.

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Home Equity Plus Line of Credit

Rates As Low As*


RateTypeTerm
Home Equity Plus Line of Credit 4.99% Variable** Depends on the amount of the loan.

*Rates are stated as Annual Percentage Rate (APR). The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice. *Rate may vary after account is opened. Best rate based on current index would be 4.99% APR. Maximum rate of 18% APR. No closing costs offer requires direct deposit to a DuTrac Community checking account with auto pay. A fee for appraisal may be required and can average between $150-$450. Property insurance is required. Some restrictions and credit qualifications apply.
**Adjusts quarterly. 13 week T-Bill rounded up to the next 1/4% + Margin (Floor = 4.99%, Ceiling = 18%)

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Lot Loans

TypeTermPointsRateAnnual Percentage Rate (APR)*
Lot Loan - $35,000 3 year balloon, 10 year amortization 0.50 (min. $250) 5.75% 6.4721%

*The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.

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Credit Cards

Rates Effective July 1, 2014

Card TypeAnnual Percentage RateRate Type
MasterCard 14.90% Non-Variable
VISA 9.49% Variable*
VISA Platinum 7.99% Variable**
Business VISA Platinum 8.24% Variable***

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.

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Certificates of Deposit (CD)

Rates Effective July 1, 2014

 StandardEcoPlus Account Bonus***
Dividends Calculated Quarterly Quarterly
Dividends Paid Quarterly Quarterly
Minimum Opening Deposit $1,000.00** $1,000.00
     
Term of Certificate Dividend Rate APY* Dividend Rate APY*
6 Months 0.30% 0.30% 0.55% 0.55%
12 Months 0.50% 0.50% 0.75% 0.75%
18 Months 0.70% 0.70% 0.95% 0.95%
24 Months 0.80% 0.80% 1.05% 1.05%
30 Months 0.90% 0.90% 1.15% 1.15%
36 Months 1.00% 1.00% 1.25% 1.26%
48 Months 1.29% 1.30% 1.54% 1.55%
60 Months 1.74% 1.75% 1.99% 2.00%

*APY = Annual Percentage Yield
**Minimum opening deposit for members under age 21 is $500.00.
***Electronic statements and recurring direct deposit required to receive EcoPlus Account.  Other eligibility requirements may apply.  EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account.
Early withdrawal penalties may apply.
Rates subject to change without notice.
IRA certificate accounts have the same rates, yields and requirements as those stated in the above table.

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Checking Account

Dividend Yields as of June 30, 2014

Relationship Checking Account Balance*Dividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$1,000 0.00% 0.00% Avg. Daily Bal. Quarterly None
$1,000 to $9,999.99 0.10% 0.10% Avg. Daily Bal. Quarterly $1,000.00
$10,000 and above 0.20% 0.20% Avg. Daily Bal. Quarterly $10,000.00

*Value Checking and EcoPlus accounts do not earn dividends on any balance.

**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.00
Rate may change after the account is opened.

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Relationship Business Checking Account

Dividend Yields as of June 30, 2014

Tier BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $2,000 0.00% 0.00% Avg. Daily Bal. Quarterly None
$2,000 to $9,999.99 0.10% 0.10% Avg. Daily Bal. Quarterly $2,000.00
$10,000 to $49,999.99 0.20% 0.20% Avg. Daily Bal. Quarterly $10,000.00
$50,000 and above 0.35% 0.35% Avg. Daily Bal. Quarterly $50,000.00

*APY = Annual Percentage Yield
Minimum opening deposit of $100.00
Rate may change after the account is opened.

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High Yield Checking

Dividend Yields Effective July 1, 2014

High Yield Checking BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $2,500 0.00% 0.00% Avg. Daily Bal. Monthly None
$2,500 to $9,999.99 0.10% 0.10% Avg. Daily Bal. Monthly $2,500.00
$10,000 to $24,999.99 0.15% 0.15% Avg. Daily Bal. Monthly $10,000.00
$25,000 to $49,999.99 0.25% 0.25% Avg. Daily Bal. Monthly $25,000.00
$50,000 and above 0.35% 0.35% Avg. Daily Bal. Monthly $50,000.00

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.

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Share Savings & Sub-Share Savings

Dividend Yields as of June 30, 2014

Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
< $5,000 0.15% 0.15% Avg. Daily Bal. Quarterly $100.00
$5,000 to $24,999.99 0.25% 0.25% Avg. Daily Bal. Quarterly $5,000.00
$25,000 and above 0.35% 0.35% Avg. Daily Bal. Quarterly $25,000.00

*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18
Minimum opening deposit for share savings account is $5.00
Rate may change after the account is opened.

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Money Market Savings

Dividend Yields Effective July 1, 2014

Money Market BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $2,500 0.00% 0.00% Avg. Daily Bal. Monthly None
$2,500 to $9,999.99 0.20% 0.20% Avg. Daily Bal. Monthly $2,500.00
$10,000 to 24,999.99 0.30% 0.30% Avg. Daily Bal. Monthly $10,000.00
$25,000 to $49,999.99 0.40% 0.40% Avg. Daily Bal. Monthly $25,000.00
$50,000 and above 0.50% 0.50% Avg. Daily Bal. Monthly $50,000.00

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.00
Rate may change after the account is opened.

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IRA Savings, Holiday/Vacation Club, Escrow Accounts

Dividend Yields as of June 30, 2014

Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA 1.00% 1.00% Avg. Daily Bal. Quarterly No Minimum
Christmas/Holiday Club
0.15% 0.15% Avg. Daily Bal. Quarterly No Minimum
Vacation Club 0.15% 0.15% Avg. Daily Bal. Quarterly No Minimum
Escrow 0.15% 0.15% Avg. Daily Bal. Quarterly No Minimum

*APY = Annual Percentage Yield
Rate may change after the account is opened.

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Business Share Savings

Dividend Yields as of June 30, 2014

Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$5,000 0.15% 0.15% Avg. Daily Bal. Quarterly $100.00
$5,000 to $24,999.99 0.25% 0.25% Avg. Daily Bal. Quarterly $5,000.00
$25,000 and above 0.35% 0.35% Avg. Daily Bal. Quarterly $25,000.00

*APY = Annual Percentage Yield

Rate may change after the account is opened.

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Health Savings Accounts

Dividend Yields Effective July 1, 2014

Health Savings BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $2,500 0.10% 0.10% Avg. Daily Bal. Monthly None
$2,500 to $9,999.99 0.10% 0.10% Avg. Daily Bal. Monthly $2,500.00
$10,000 to 24,999.99 0.15% 0.15% Avg. Daily Bal. Monthly $10,000.00
$25,000 to $49,999.99 0.25% 0.25% Avg. Daily Bal. Monthly $25,000.00
$50,000 and above 0.35% 0.35% Avg. Daily Bal. Monthly $50,000.00

*APY = Annual Percentage Yield
Minimum opening deposit of $25.00
$2.00 monthly service fee if balance is less than $1,000.00
Rate may change after the account is opened.

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