DuTrac Community Credit Union


DuTrac was founded by John Deere Dubuque Tractor Works employees who wanted to offer their coworkers an alternative to commercial banks and other for-profit financial institutions. With one office within the plant, 56 members, and a little over $2,000 in deposits and outstanding loans of $1,195, DuTrac became a reality in 1946.

Today, we serve individuals and families in a 34-county area and continue to be a not-for-profit cooperative, existing solely to serve nearly 50,000 members rather than to maximize corporate profits. That means any profits earned are returned to the members in the form of lower loan rates and higher deposit rates—unlike a bank where profits go into the pockets of investors and stockholders. When you become a DuTrac member, you also become an owner.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:

HSA Interest Rates

Interest rates for various balance tiers
$0 - $1,499.99 0.05% APY
$2,500 to $9,999.99 0.10% APY
$10,000 to $24,999.99 0.15% APY
$25,000 to $49,999.99 0.20% APY
$50,000+ 0.25% APY
Last checked on: 09-05-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $2.00*
Account Opening Fee Unknown
Account Closing Fee Unknown

* $2.00 monthly service fee if balance is less than $1,000.

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information


Customer Service

Mailing Address DuTrac Community Credit Union
PO Box 3250
Dubuque, IA 52004-3250
Phone Number (563) 582-1331
Email Address [email protected]