Credit union · NCUA insured
DuTrac Community Credit Union Auto Loan Rates
DuTrac Community Credit Union auto loans start at 4.80% APR for a new vehicle and 4.80% for a used one. Rates checked October 16, 2026.
How DuTrac Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Dubuque, IA, where DuTrac Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
DuTrac Community Credit Union
4.80%APR
- Terms
- up to 66 months
- Discount
- None included
New or Used Cars & Trucks - 2024 & Newer
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
AIM Credit Union
4.54%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
DuTrac Community Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.80%
- Used vehicleUsed4.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DuTrac Community Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New or Used Cars & Trucks - 2021–2019
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 is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 37 months | 5.44% | 37 payments at $29.42 per $1,000 borrowed. |
| up to 50 months | 5.54% | 50 payments at $22.44 per $1,000 borrowed. |
| up to 66 months | 5.64% | 66 payments at $17.66 per $1,000 borrowed. |
| up to 72 months | 5.74% | 72 payments at $16.45 per $1,000 borrowed. |
New or Used Cars & Trucks - 2023–2022
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 is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 37 months | 5.09% | 37 payments at $29.26 per $1,000 borrowed. |
| up to 50 months | 5.34% | 50 payments at $22.35 per $1,000 borrowed. |
| up to 66 months | 5.49% | 66 payments at $17.59 per $1,000 borrowed. |
| up to 72 months | 5.64% | 72 payments at $16.40 per $1,000 borrowed. |
| up to 84 months | 5.79% | 84 payments at $14.51 per $1,000 borrowed. |
New or Used Cars & Trucks - 2024 & Newer
Promotional rates are for new loans to DuTrac. The EcoPlus Account discount does not apply. Not available on refinancing of current DuTrac loans. Rates are stated as Annual Percentage Rate (APR). The APR you receive is based on standard underwriting and creditworthiness criteria, loan amount requested in relation to vehicle value percentage, and mileage of vehicle at the time of purchase. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 37 months | 4.80% | 37 payments at $29.13 per $1,000 borrowed. |
| up to 50 months | 4.80% | 50 payments at $22.11 per $1,000 borrowed. |
| up to 66 months | 4.80% | 66 payments at $17.27 per $1,000 borrowed. |
| up to 72 months | 4.80% | 72 payments at $16.01 per $1,000 borrowed. |
| up to 84 months | 4.80% | 84 payments at $14.04 per $1,000 borrowed. |
Who can join DuTrac Community Credit Union
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.
Membership information collected October 4, 2026.