Credit union · NCUA insured
DuTrac Community Credit Union CD Rates
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.
How DuTrac Community Credit Union’s CD rates compare
Compared with banks and credit unions near Dubuque, IA, where DuTrac Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
DuTrac Community Credit Union
4.35%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $697
Certificates of Deposit (CD)
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CD)
Up to 4.35%APY · 11 terms
Membership required and subject to qualifications. Minimum $5 share deposit required. Dividends are compounded and paid quarterly, or at maturity. Interest rate locked when account is opened. A penalty may be imposed for early withdrawal and fees could reduce earnings on account. Not valid for brokered deposits, institutional investors, or Public Funds.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 2.50% | 2.50% | $124 |
| 6 monthsStandard rate. Minimum to open and earn is $1,000 | — | 2.25% | 2.25% | $112 |
| 9 months9 Months Special. EcoPlus Checking Account Bonus does not apply. Automatically renews for a standard 12-month term and rate at maturity. Minimum to open and earn is $500 | 4.20% | — | 4.20% | $313 |
| 12 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 1.75% | 1.75% | $175 |
| 12 monthsStandard rate. Minimum to open and earn is $1,000 | — | 1.50% | 1.50% | $150 |
| 18 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 1.75% | 1.75% | $264 |
| 18 monthsStandard rate. Minimum to open and earn is $1,000 | — | 1.50% | 1.50% | $226 |
| 19 months19 Months Special. EcoPlus Checking Account Bonus does not apply. Automatically renews for a standard 18-month term and rate at maturity. Minimum to open and earn is $500 | 4.35% | — | 4.35% | $697 |
| 24 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 2.26% | 2.26% | $457 |
| 24 monthsStandard rate. Minimum to open and earn is $1,000 | — | 2.00% | 2.00% | $404 |
| 29 months29 Months Special. EcoPlus Checking Account Bonus does not apply. Automatically renews for a standard 30-month term and rate at maturity. Minimum to open and earn is $500 | 4.25% | — | 4.25% | $1,058 |
| 30 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 1.75% | 1.75% | $443 |
| 30 monthsStandard rate. Minimum to open and earn is $1,000 | — | 1.50% | 1.50% | $379 |
| 36 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 2.00% | 2.00% | $612 |
| 36 monthsStandard rate. Minimum to open and earn is $1,000 | — | 1.75% | 1.75% | $534 |
| 48 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 2.11% | 2.11% | $871 |
| 48 monthsStandard rate. Minimum to open and earn is $1,000 | — | 1.85% | 1.85% | $761 |
| 60 monthsEcoPlus Account Bonus. Electronic statements and recurring direct deposit required to receive EcoPlus Account. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Minimum to open and earn is $1,000 | — | 2.26% | 2.26% | $1,182 |
| 60 monthsStandard rate. Minimum to open and earn is $1,000 | — | 2.00% | 2.00% | $1,041 |
Sources (2)
All captured Oct 5, 2026
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.