Credit union · NCUA insured
DuTrac Community Credit Union Savings Rates
DuTrac Community Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How DuTrac Community Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Share Savings Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
DuTrac Community Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where DuTrac Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
0.50%APY
Not valid for brokered deposits, institutional investors, business accounts or Public Funds. Account transfer limitations apply. Rate may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.80% | — |
| $50,000 and up | 1.21% | — |
Escrow Account
0.25%APY
Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on average daily balance. No minimum balance required to receive APY.Any balance | 0.25% | $25 | Dividends paid quarterly on average daily balance. No minimum balance required to receive APY. |
Sources (3)
- dutrac.org/rates
- dutrac.org/rates/ira-savings-h…ion-club-escrow-accounts
- dutrac.org/wp-content/uploads/…edule-September-2026.pdf
All captured Oct 16, 2026
Share Savings Account
0.10%APY
Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply. Minimum balance of $100 to receive APY does not apply to members under age 18. Rate may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends paid quarterly on average daily balance. Minimum balance of $100 to receive APY does not apply to members under age 18. | 0.05% | — | Dividends paid quarterly on average daily balance. Minimum balance of $100 to receive APY does not apply to members under age 18. |
| $5,000 – $25,000Dividends paid quarterly on average daily balance. Minimum balance of $5,000 to receive APY. | 0.10% | $10 | Dividends paid quarterly on average daily balance. Minimum balance of $5,000 to receive APY. |
| $25,000 and upDividends paid quarterly on average daily balance. Minimum balance of $25,000 to receive APY. | 0.15% | — | Dividends paid quarterly on average daily balance. Minimum balance of $25,000 to receive APY. |
Sources (4)
- dutrac.org/rates
- dutrac.org/rates/share-savings-rates
- dutrac.org/bank/personal-savings
- dutrac.org/wp-content/uploads/…edule-September-2026.pdf
All captured Oct 16, 2026
Sub-Share Account
0.10%APY
Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Dividends paid quarterly on average daily balance. Minimum balance of $100 to receive APY. | 0.05% | — | Dividends paid quarterly on average daily balance. Minimum balance of $100 to receive APY. |
| $5,000 – $25,000Dividends paid quarterly on average daily balance. Minimum balance of $5,000 to receive APY. | 0.10% | $10 | Dividends paid quarterly on average daily balance. Minimum balance of $5,000 to receive APY. |
| $25,000 and upDividends paid quarterly on average daily balance. Minimum balance of $25,000 to receive APY. | 0.15% | — | Dividends paid quarterly on average daily balance. Minimum balance of $25,000 to receive APY. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.45%APY
Available as Traditional IRA or Roth IRA for members over age 18 with qualified earned compensation. Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply. Rate may change after account opening. No minimum deposit amount required for regular IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on average daily balance. No minimum balance required to receive APY.Any balance | 0.45% | $45 | Dividends paid quarterly on average daily balance. No minimum balance required to receive APY. |
Health Savings Account (HSA)
0.15%APY
Must be enrolled in a High-Deductible Health Plan (HDHP). Interest compounded daily and credited monthly based on average daily balance. Rate may change after account opening. $2.00 monthly service fee if balance is less than $1,000. Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest paid monthly on average daily balance. $2.00 monthly service fee applies if balance is less than $1,000. | 0.05% | — | Interest paid monthly on average daily balance. $2.00 monthly service fee applies if balance is less than $1,000. |
| $2,500 – $10,000Interest paid monthly on average daily balance. Minimum balance of $2,500 to receive APY. | 0.10% | — | Interest paid monthly on average daily balance. Minimum balance of $2,500 to receive APY. |
| $10,000 – $25,000Interest paid monthly on average daily balance. Minimum balance of $10,000 to receive APY. | 0.15% | $15 | Interest paid monthly on average daily balance. Minimum balance of $10,000 to receive APY. |
| $25,000 – $50,000Interest paid monthly on average daily balance. Minimum balance of $25,000 to receive APY. | 0.20% | — | Interest paid monthly on average daily balance. Minimum balance of $25,000 to receive APY. |
| $50,000 and upInterest paid monthly on average daily balance. Minimum balance of $50,000 to receive APY. | 0.30% | — | Interest paid monthly on average daily balance. Minimum balance of $50,000 to receive APY. |
Holiday Club Account
0.25%APY
Short-term savings account specifically intended for holiday spending; payout is October 31st. Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on average daily balance. No minimum balance required to receive APY.Any balance | 0.25% | $25 | Dividends paid quarterly on average daily balance. No minimum balance required to receive APY. |
Vacation Club
0.25%APY
Dividends compounded and credited quarterly based on average daily balance. Account transfer limitations apply. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on average daily balance. No minimum balance required to receive APY.Any balance | 0.25% | $25 | Dividends paid quarterly on average daily balance. No minimum balance required to receive APY. |
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.