DuTrac Community Credit Union

What DuTrac Community Credit Union does

DuTrac Community Credit Union is a federally insured, member-owned cooperative financial institution headquartered in Dubuque, Iowa, serving members across Iowa, Illinois, and Wisconsin. Founded in 1946 (inferred from the "80 Years in the Driver's Seat" brand claim), DuTrac operates as a non-profit credit union with 101–250 employees and provides a full suite of consumer and commercial banking products. Offerings include deposit accounts (checking, savings, CDs ranging 5–60 months, IRAs, and the EcoPlus account), a broad lending portfolio (residential mortgages including FHA/VA/USDA, auto loans, HELOC, credit cards, personal and student loans, commercial real estate, commercial, and agriculture loans), insurance via TruStage, and wealth and trust services through DuTrac Financial Group and First Community Trust.

The underlying technology is a conventional digital-banking stack: an e-Banking portal, a Softek-based mobile app branded MobileLink, CardTracker for card management, Business SpendTrack for commercial card program oversight, Mobile Deposit with tiered funds availability ($300 immediate, $5,000+ five-day hold), and Apple Pay/Google Pay/Samsung Pay integrations. No public APIs, SDKs, or developer-facing integrations are disclosed. Distribution combines 12+ fixed branch locations across the tri-state area with a distinctive Mobile Branch — a physical branch on wheels delivering account opening, lending applications, and CD services to underserved communities and events.

The revenue model is grounded in net interest margin on the loan portfolio (mortgages, auto, HELOC, commercial, agriculture), supplemented by transaction-based deposit-account fees ($30 overdraft and NSF, $30 stop payment), electronic-banking fees ($1.50 non-network ATM surcharges, $25–$55 outgoing wires), investment and insurance referral commissions via TruStage and First Community Trust, and member-paid loan-protection products (GAP, Member's Choice Payment Protection, Courtesy Pay). GTM is direct-to-consumer and direct-to-small-business through physical and digital channels; the sub-brand architecture includes DuTrac Mortgage, DuTrac Financial Group, First Community Trust, Savasaurus Kids Club, and the Drop credit card marketing campaign. Customer segments span individual consumers (primary), small-to-mid-sized businesses, agricultural operations, and home buyers (especially first-time buyers supported by the FHLB Des Moines Home$tart program).

Name

DuTrac Community Credit Union

Legal name

DuTrac Community Credit Union

Website

https://dutrac.org

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

101–250 employees

Short description

DuTrac Community Credit Union is a federally insured, member-owned cooperative bank founded in 1946, headquartered in Dubuque, Iowa, serving individuals, businesses, and agricultural borrowers across Iowa, Illinois, and Wisconsin with deposits, mortgages, consumer and commercial loans, and digital banking via a mobile branch and app.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Community banking
• Consumer lending
• Deposit accounts
• Credit union services
• Mortgage lending

Headquarters

HQ city

Dubuque

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue source from mortgage loans, auto loans, personal loans, credit cards, commercial loans, agricultural loans, and home equity lines of credit. Offers competitive rates including 4.99% APR on Home Equity Plus Line of Credit and 4.80% APR for 84-month auto loans
2. Deposit Account Fees: Fees from checking accounts including overdraft fees ($30), returned item fees ($30), stop payment fees ($30), check printing fees, and monthly service charges for certain account types
3. ATM and Electronic Banking Fees: Transaction fees at non-DuTrac ATMs ($1.50), wire transfer fees ($25-$55 outgoing, $10 incoming), money order fees ($3), official check fees ($3), and mobile banking fees
4. Certificate of Deposit Products: CD products with terms ranging from 5 months to 60 months, with rates up to 4.00% APY for special rate certificates. Minimum $1000 opening deposit; EcoPlus Account bonus of 0.25% available
5. Insurance and Investment Products: Through partnership with TruStage Insurance and DuTrac Financial Group, offering accidental death and dismemberment insurance, life insurance, and investment advisory services

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

DuTrac Community Credit Union is a member-owned financial cooperative that provides retail banking products including deposit accounts (checking, savings, CDs, IRAs), consumer loans (vehicle, mortgage, home equity, credit cards, student loans), commercial and agriculture loans, and digital banking services through its e-Banking portal and MobileLink app. It also offers investment, trust, and insurance services through affiliated entities (DuTrac Financial Group, First Community Trust, TruStage Insurance) and operates a unique Mobile Branch that brings full banking services to underserved communities.

Product overview

DuTrac Community Credit Union offers a comprehensive financial services portfolio structured around three core pillars: traditional banking (deposit accounts, lending), digital banking (e-Banking, mobile app, bill pay), and specialized services (mortgages, business banking, investments, insurance). The Mobile Branch is a unique differentiator—a physical branch on wheels that brings full banking services to underserved communities. The digital experience centers on e-Banking and the DuTrac Mobile App (MobileLink), which enable features like Mobile Deposit, CardTracker, and Bill Pay. Lending products span consumer (vehicle loans, personal loans, credit cards, home equity) and business/commercial segments (mortgages, commercial real estate, agriculture loans). Investment and insurance services are delivered through strategic partners including DuTrac Financial Group, First Community Trust, and TruStage. The product architecture is best characterized as a full-service financial institution with integrated digital channels rather than a modular platform.

Differentiator

Problem solved

Functional benefit

Brands

• Savasaurus Kids Club®: Children's savings program for young members
• DuTrac Financial Group
• First Community Trust
• TruStage Insurance
• CardTracker
• Business SpendTrack
• Home Equity Plus
• DuTrac Mortgage
• Drop

Products and services

• Mobile Branch A physical branch on wheels that brings the personal service of a traditional DuTrac office to communities, providing new memberships, loan applications, account services, and ATM access at rotating locations and community events across the tri-state area.
• Personal Checking Personal checking accounts offered to individual members, including Relationship Checking and High Yield Checking variants, available with various fee structures and account benefits.
• Personal Savings Personal savings accounts for individual members to manage personal savings and financial goals.
• Savasaurus Kids Club A children's savings program designed to teach young members about saving money and develop early financial habits.
• Certificates of Deposit (CDs) Term deposit accounts with multiple maturity options ranging from 5 months to 60 months, offering competitive dividend rates up to 4.00% APY on special-rate certificates and EcoPlus account bonuses.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts available to members, including Traditional and Roth IRA options for personal retirement planning.
• Home Mortgage Loans Comprehensive residential mortgage offerings including Conventional, FHA, VA, USDA Rural Development, construction, lot loans, and refinancing, with local in-house underwriting and Home$tart down payment assistance up to $15,000 for qualified first-time buyers.
• Vehicle Loans Auto loans for purchasing new and used vehicles with competitive rates (4.80% APR for 84-month new auto loans), with optional GAP and Mechanical Repair coverage add-ons.
• Home Equity Plus Line of Credit A revolving line of credit secured by the member's home equity, providing flexible borrowing at a competitive introductory APR of 4.99%.
• Credit Cards Platinum Rewards Mastercard consumer credit cards offering uChoose Rewards points, real-time controls via CardTracker, and competitive rates lower than national average.
• Private Student Loans Private student loan products offered to members for financing post-secondary education expenses.
• Commercial Real Estate Loans Loans for the purchase or refinancing of commercial real estate properties, offered to business members.
• Commercial Loans General business lending solutions for various commercial financing needs offered to business members in the tri-state area.
• Agriculture Loans & Lines of Credit Specialized loans and operating lines of credit tailored for agricultural operations, including farm real estate financing and operating capital for farmers in the tri-state region.
• Business Credit Cards Business credit card products (Business Platinum Rewards Mastercard) designed for business spending, with spend management and controls via Business SpendTrack.
• Business Savings Business savings accounts offered to business members for managing operating cash and reserves.
• Business Checking Business checking account products offered to business members for everyday transactions and operating account needs.
• Business IRA/401(K) Accounts Business retirement account products, including IRA and 401(K) options, offered to business members for employee retirement planning.
• Business Automated Services Automated business banking services supporting cash management, ACH, wire transfers, and operational banking workflows for business members.
• DuTrac Financial Group Investment and financial planning services offered to DuTrac members through the credit union's affiliated investment division, DuTrac Financial Group.
• First Community Trust Trust and wealth management services offered to members through a partnership with First Community Trust, providing fiduciary and estate planning options.
• TruStage Insurance Insurance products distributed to DuTrac members via partnership with TruStage Insurance, including accidental death and dismemberment, and cancer, heart, and stroke coverage.
• Courtesy Pay Discretionary overdraft service allowing members' accounts to be overdrawn up to $500-$750 for consumer accounts or $1,000 for business accounts, with a $30 fee plus tax per item covered.
• GAP Coverage (Guaranteed Asset Protection) Guaranteed Asset Protection (GAP) coverage for auto loans that covers the gap between the vehicle's value and the loan balance if totaled, including a $1,000 loan balance reduction benefit through CUNA Mutual Group.
• Member's Choice Payment Protection Loan payment protection coverage offered through CUNA Mutual Group that covers loan payments in cases of involuntary unemployment, disability, illness, or death.
• Safe Deposit Boxes Secure safe deposit boxes available at multiple DuTrac branch locations in fireproof vaults, with self-service safekeeping boxes at Jersey Ridge and Eldridge branches.
• EcoPlus Account A premium checking account that earns bonus rates on companion CDs, provides free unlimited ATM transactions at DuTrac ATMs, electronic statements, and requires recurring direct deposit.

Quantifiable outcome

• Up to $15,000 in grant funds through Home$tart program for qualified first-time home buyers
• +4 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• United WayminorOthers · 1 May 2026United Way is a charitable partner receiving donations collected during DuTrac's annual Diaper Drive (May 1-31). DuTrac collects diaper donations and monetary contributions at branches with the Mobile Branch delivering donations to United Way and Hiney Heroes for distribution.
• Hiney HeroesminorOthers · 1 May 2026Hiney Heroes is a charitable partner receiving donations collected during DuTrac's annual Diaper Drive. Donations collected at DuTrac branches and through the Mobile Branch are delivered to Hiney Heroes for distribution to families in need.
• TruStage InsurancecoreStrategic or Co-development PartnerTruStage Insurance provides accidental death and dismemberment insurance products to DuTrac members, now expanded to include cancer, heart, and stroke coverage. DuTrac promotes TruStage insurance products through its Invest section, positioning them as peace of mind protection against the unexpected.
• Federal Home Loan Bank (FHLB) Des MoinescoreStrategic or Co-development PartnerFHLB Des Moines offers the Home$tart down payment and closing cost assistance program through DuTrac. Qualified first-time home buyers may receive up to $15,000 in grant funds, subject to a five-year deed restriction. The program includes income qualifications, home buyer education requirements, and approved financing guidelines.
• DuTrac Financial GroupcoreStrategic or Co-development PartnerDuTrac Financial Group provides investment and financial planning services to DuTrac members as part of the credit union's comprehensive wealth management offerings alongside banking products.
• First Community TrustminorStrategic or Co-development PartnerFirst Community Trust provides trust and wealth management services through DuTrac's Invest section, offering members additional options for financial planning beyond basic banking.
• CUNA Mutual GroupcoreTechnology or IntegrationCUNA Mutual Group provides MEMBER'S CHOICE Guaranteed Asset Protection (GAP) and Payment Protection products distributed through DuTrac. GAP Plus program includes deductible assistance and helps reduce loan balances by $1,000 if vehicle is totaled.
• Checks For LessminorChannel Partner/ Reseller/ DistributorChecks For Less is DuTrac's preferred check printer. Members can order checks online using their account number and current check information. Contact information: bank-a-count.com with routing number 273974549.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Heartland Credit Union: Madison, Wisconsin-based community credit union serving consumer, business, and agricultural members statewide — directly comparable in Wisconsin-side competition with DuTrac.
• University of Wisconsin Credit Union (UW Credit Union): Wisconsin-based community credit union offering consumer, mortgage, business banking, and wealth services across the state — directly comparable in tri-state regional strategy.
• Connexus Credit Union: Wisconsin-headquartered credit union serving members nationwide via digital channels with full retail/business banking and mortgage products — overlapping Wisconsin geography with DuTrac.
• Veridian Credit Union: Iowa-based community credit union offering consumer deposits, mortgage lending, business banking, and investment services across multiple Midwest cities — directly comparable to DuTrac in scale and product mix.
• Ascentra Credit Union: Iowa/Illinois Quad Cities-based community credit union with consumer and business banking, mortgage, and ag lending — directly competes with DuTrac in the Bettendorf/Moline/Dubuque corridor.
• GreenState Credit Union: Iowa-headquartered community credit union serving members across Iowa, Illinois, and Wisconsin with deposit accounts, mortgages, commercial lending, and wealth services — direct geographic and product overlap with DuTrac.
• Community First Credit Union (Wisconsin): Wisconsin community credit union offering personal and business banking, mortgages, and ag lending — directly comparable in size and member-base strategy with DuTrac's Wisconsin branch presence.

Others

• CUNA Mutual Group: Core strategic partner providing MEMBER's Choice GAP and Payment Protection products distributed through DuTrac, and industry-level credit-union insurance/investment infrastructure provider.

Broad incumbents

• Alliant Credit Union: Chicago-headquartered digital-first credit union serving members nationally with consumer lending, mortgages, and deposit products — broader footprint and digital scale present an incumbent-style overlap with DuTrac's Midwest markets.

Regional players

• Security National Bank of Dubuque: Local commercial bank headquartered in Dubuque, Iowa competing directly with DuTrac for consumer and agricultural deposits and loans in the Tri-State area.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DuTracCCU
• LinkedInlinkedin.com/company/dutrac-community-credit-union
• Instagraminstagram.com/dutracccu
• Xx.com/dutrac_cu

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DuTrac Community Credit Union