Credit union · NCUA insured
DuTrac Community Credit Union
A $1.3B credit union, the 399th largest of 4,329, headquartered in Dubuque, IA, with 53,729 members and 15 branches in 2 states. Best rates: savings 0.10% APY.
DuTrac Community Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#7 of 11 in Dubuque, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About DuTrac Community Credit Union
Founded in 1946 by John Deere Dubuque Tractor Works employees, DuTrac Community Credit Union is a member-owned not-for-profit cooperative.
DuTrac serves individuals and families across a 34-county area in Iowa, Illinois, and Wisconsin.
- Headquarters
- 3465 Asbury Rd, Dubuque, IA 52002
- NCUA charter
- 64471
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live or work in any of the 34 counties served across Iowa, Illinois, and Wisconsin.
Family and household
- Eligible to join if you have a family member who is currently a DuTrac member.
Cost to join
- Members are required to open a Share Savings account with a balance of $5.00.
Branches
15 branches in 2 states
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Iowa
14 branches
Dubuque area · 6
- AsburyMain office3465 Asbury Rd, Dubuque, IA 52002Directions
- Holliday Drive2045 Holliday Dr, Dubuque, IA 52002Directions
- Mobile Branch380 E 14th St, Dubuque, IA 52001Directions
- Peru Road18181 Peru Rd, Dubuque, IA 52001Directions
- St. Mary'S380 E 14th St, Dubuque, IA 52001Directions
- Dyersville1161 16th Ave SE, Dyersville, IA 52040Directions
Davenport area · 4
- Bettendorf2770 Middle Rd, Bettendorf, IA 52722Directions
- Jersey Ridge2330 E 53rd St, Davenport, IA 52807Directions
- Kimberly3100 W Kimberly Rd, Davenport, IA 52806Directions
- Eldridge200 N 4th Ave, Eldridge, IA 52748Directions
Clinton area · 1
- Clinton2445 Valley West Ct, Clinton, IA 52732Directions
Decorah area · 1
- Decorah915 Short St Ste 105, Decorah, IA 52101Directions
Maquoketa area · 1
- Maquoketa18072 Highway 64, Maquoketa, IA 52060Directions
Cedar Rapids area · 1
- Monticello337 S Main St, Monticello, IA 52310Directions
Illinois
1 branch
- Moline3153 Ave of the Cities, Moline, IL 61265Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.64% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.98% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio11.64%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of DuTrac Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.