Credit union · NCUA insured
DuTrac Community Credit Union Credit Card Rates
DuTrac Community Credit Union credit cards start at 11.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How DuTrac Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Dubuque, IA, where DuTrac Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
DuTrac Community Credit Union
11.49%APR
- Up to
- —
Platinum Rewards Mastercard
Lowest rate
AIM Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
DuTrac Community Credit Union credit card score
76
Credit card score
Higher than 41% of U.S. banks and credit unions
- Purchase APRPurchase APR11.49%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CHOICE Mastercard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | 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. |
| Ongoing | 14.90% | None | Non-Variable |
Sources (3)
All captured Oct 5, 2026
Platinum Rewards Mastercard
The Platinum Reward card is earned by those members with the best credit. On top of a great rate, DuTrac’s Platinum Rewards Mastercard offers the outstanding uChoose Rewards program. Earn points every time you use your card and redeem your points for Cash Back or items.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49% | None | 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. |
Sources (3)
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.