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DuTrac Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
DuTrac Community Credit Union's top rates as of October 13, 2026 are 4.35% APY on its 19 month Special CD, 1.21% APY on savings, 0.50% APY on checking, 6.62% on its 15 Year Fixed mortgage, personal loans from 9.74% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other DuTrac Community Credit Union CD rates include 29 month Special CD at 4.25%, 9 month Special CD at 4.20%, and 6 Month CD of Deposit - EcoPlus Account Bonus at 2.50%. Other DuTrac Community Credit Union mortgage rates include 20 Year Fixed at 7.00%, and 30 Year Fixed at 7.12%. MonitorBankRates evaluates the financial stability of DuTrac Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.87%. Rates last updated and verified on 10/13/2026.
DuTrac Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at DuTrac Community Credit Union? Share your experience about DuTrac Community Credit Union by leaving a review below, or read customer reviews before you decide to use DuTrac Community Credit Union.
DuTrac Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
DuTrac Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.87%
ExcellentLower than avg
DuTrac Community Credit Union Texas Ratio
DuTrac Community Credit Union's Texas Ratio is 4.87%, which is considered excellent and is lower than the national average of 6.13%.
DuTrac Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.65% to 4.87% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
DuTrac Community Credit Union CD Rates
Product
Rate
APY
Term
View More
19 month Special CD
4.28%
4.35%
19 Months
Min Deposit$500
DetailsSpecial CD; automatically renews for standard 18-month term and rate at maturity
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
29 month Special CD
4.18%
4.25%
29 Months
Min Deposit$500
DetailsSpecial CD; automatically renews for standard 30-month term and rate at maturity
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
9 month Special CD
4.14%
4.20%
9 Months
Min Deposit$500
DetailsSpecial CD; automatically renews for standard 12-month term and rate at maturity
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
6 Month Certificate of Deposit - EcoPlus Account Bonus
2.48%
2.50%
6 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
6 month CD - EcoPlus Account Bonus
2.48%
2.50%
6 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
24 Month Certificate of Deposit - EcoPlus Account Bonus
2.24%
2.26%
24 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
24 month CD - EcoPlus Account Bonus
2.24%
2.26%
24 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
60 Month Certificate of Deposit - EcoPlus Account Bonus
2.24%
2.26%
60 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
60 month CD - EcoPlus Account Bonus
2.24%
2.26%
60 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
6 Month Certificate of Deposit
2.23%
2.25%
6 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
48 Month Certificate of Deposit - EcoPlus Account Bonus
2.09%
2.11%
48 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.11% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
48 month CD - EcoPlus Account Bonus
2.09%
2.11%
48 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.11% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
24 Month Certificate of Deposit
1.99%
2.00%
24 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
36 Month Certificate of Deposit - EcoPlus Account Bonus
1.99%
2.00%
36 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
36 month CD - EcoPlus Account Bonus
1.99%
2.00%
36 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
60 Month Certificate of Deposit
1.99%
2.00%
60 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
48 Month Certificate of Deposit
1.84%
1.85%
48 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
12 Month Certificate of Deposit - EcoPlus Account Bonus
1.74%
1.75%
12 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
12 month CD - EcoPlus Account Bonus
1.74%
1.75%
12 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
18 Month Certificate of Deposit - EcoPlus Account Bonus
1.74%
1.75%
18 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
18 month CD - EcoPlus Account Bonus
1.74%
1.75%
18 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
30 Month Certificate of Deposit - EcoPlus Account Bonus
1.74%
1.75%
30 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25%; requires EcoPlus Account eligibility (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
30 month CD - EcoPlus Account Bonus
1.74%
1.75%
30 Months
Min Deposit$1,000
DetailsEcoPlus Account Bonus of .25% requires EcoPlus Account (electronic statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
36 Month Certificate of Deposit
1.74%
1.75%
36 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
12 Month Certificate of Deposit
1.49%
1.50%
12 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
18 Month Certificate of Deposit
1.49%
1.50%
18 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
30 Month Certificate of Deposit
1.49%
1.50%
30 Months
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Accounts
0.30%
0.30%
Min Balance$50,000
DetailsBalance: $50,000 and above; Dividends paid on Avg. Daily Bal., monthly
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Christmas/Holiday Club
0.25%
0.25%
DetailsDividends paid on Avg. Daily Bal., Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Vacation Club
0.25%
0.25%
DetailsDividends paid on Avg. Daily Bal., Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Health Savings Accounts
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Dividends paid on Avg. Daily Bal., monthly
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Health Savings Accounts
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Dividends paid on Avg. Daily Bal., monthly
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Share/Sub Share Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Health Savings Accounts
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2500 to $9999.99; Dividends paid on Avg. Daily Bal., monthly
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Share/Sub Share Savings
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Health Savings Accounts
0.05%
0.05%
DetailsBalance: < $2500; Dividends paid on Avg. Daily Bal., monthly
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 2 times
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Money Market Savings
1.20%
1.21%
Min Balance$50,000
DetailsBalance: $50,000 and above; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $50,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.80%
0.80%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $25,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.50%
0.50%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $10,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.20%
0.20%
Min Balance$2,500
DetailsBalance: $2500 to $9999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $2500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Share/Sub Share Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Dividend Yields as of September 30, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Share/Sub Share Savings
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Dividend Yields as of September 30, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Share/Sub Share Savings
0.05%
0.05%
Min Balance$100
DetailsBalance: <$5000; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Quarterly; Dividend Yields as of September 30, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings
1.20%
1.21%
Min Balance$50,000
DetailsBalance: $50,000 and above; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $50,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.80%
0.80%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $25,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.50%
0.50%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $10,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Money Market Savings
0.20%
0.20%
Min Balance$2,500
DetailsBalance: $2500 to $9999.99; Dividends paid monthly on average daily balance; Minimum balance to receive APY: $2500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Checking Rates
Product
Rate
APY
View More
High Yield Checking Account
0.50%
0.50%
Min Balance$50,000
DetailsBalance: $50,000 and above; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $50,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Checking Account
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $25,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Checking Account
0.30%
0.30%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $10,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
High Yield Checking Account
0.20%
0.20%
Min Balance$2,500
DetailsBalance: $2500 to $9999.99; Dividends Paid On: Avg. Daily Bal.; Dividends Paid: Monthly; Minimum Balance to Receive APY: $2500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Relationship Checking Account
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000 and above; Dividends paid on Avg. Daily Bal.; Dividends paid Quarterly; Minimum Balance to Receive APY: $10,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Relationship Checking Account
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1000 to $9999.99; Dividends paid on Avg. Daily Bal.; Dividends paid Quarterly; Minimum Balance to Receive APY: $1000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Business Checking Rates
Product
Rate
APY
View More
Relationship Business Checking Account
0.15%
0.15%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 and above; Dividends paid on Avg. Daily Bal. Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Relationship Business Checking Account
0.10%
0.10%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99; Dividends paid on Avg. Daily Bal. Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Relationship Business Checking Account
0.05%
0.05%
Min Deposit$100
Min Balance$2,000
DetailsBalance: $2000 to $9999.99; Dividends paid on Avg. Daily Bal. Quarterly
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed
6.625%
-
6.784%
15 years
DetailsHome Loan Rates; Rates as of 10/9/2026
Last Updated10/13/2026
Rate History
4 changes since Sep 14, 2026 · 6.16% → 6.78% ▲ 0.63 pts · high 6.91% / low 6.16%
Oct 13, 20266.78%▼ from 6.91%
Oct 9, 20266.91%▲ from 6.78%
Oct 1, 20266.78%▲ from 6.53%
Sep 18, 20266.53%▲ from 6.16%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
20 Year Fixed
7.00%
-
7.129%
20 years
DetailsHome Loan Rates; Rates as of 10/9/2026
Last Updated10/13/2026
Rate History
3 changes since Sep 14, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.25% / low 6.50%
Oct 9, 20267.13%▼ from 7.25%
Oct 1, 20267.25%▲ from 6.75%
Sep 18, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
30 Year Fixed
7.125%
-
7.225%
30 years
DetailsHome Loan Rates; Rates as of 10/9/2026
Last Updated10/13/2026
Rate History
3 changes since Sep 14, 2026 · 6.60% → 7.23% ▲ 0.63 pts · high 7.35% / low 6.60%
Oct 13, 20267.23%▼ from 7.35%
Oct 1, 20267.35%▲ from 6.85%
Sep 18, 20266.85%▲ from 6.60%
Sep 14, 20266.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New or Used Cars & Trucks Loan
-
-
4.80%
37 Months
DetailsModel Year: 2024 & Newer*; Rates stated as APR; Promotional rates for new loans to DuTrac; not available on refinancing of current DuTrac loans; EcoPlus discount does not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
4.80%
50 Months
DetailsModel Year: 2024 & Newer*; Rates stated as APR; Promotional rates for new loans to DuTrac; not available on refinancing of current DuTrac loans; EcoPlus discount does not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
4.80%
66 Months
DetailsModel Year: 2024 & Newer*; Rates stated as APR; Promotional rates for new loans to DuTrac; not available on refinancing of current DuTrac loans; EcoPlus discount does not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
4.80%
72 Months
DetailsModel Year: 2024 & Newer*; Rates stated as APR; Promotional rates for new loans to DuTrac; not available on refinancing of current DuTrac loans; EcoPlus discount does not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
4.80%
84 Months
DetailsModel Year: 2024 & Newer*; Rates stated as APR; Promotional rates for new loans to DuTrac; not available on refinancing of current DuTrac loans; EcoPlus discount does not apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.09%
37 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.34%
50 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.44%
37 Months
DetailsModel Year: 2021 - 2019**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.44% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.49%
66 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.54%
50 Months
DetailsModel Year: 2021 - 2019**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.64%
72 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.64%
66 Months
DetailsModel Year: 2021 - 2019**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.64% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.74%
72 Months
DetailsModel Year: 2021 - 2019**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
5.79%
84 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.79% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
6.69%
120 Months
DetailsModel Year: 2024 & Newer*; Promotional rates are for new loans to DuTrac; EcoPlus discount does not apply; not available on refinancing of current DuTrac loans; Rates stated as APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
6.99%
120 Months
DetailsModel Year: 2021 - 2019**; Rates stated as APR including .25% EcoPlus Account discount (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
New or Used Cars & Trucks Loan
-
-
7.04%
120 Months
DetailsModel Year: 2023 - 2022**; Rates stated as APR including .25% EcoPlus Account discount (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats Loan
-
6.49%
37 Months
DetailsModel Year: 2024 & Newer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
6.49%
37 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
6.74%
50 Months
DetailsModel Year: 2024 & Newer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 6.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
6.74%
50 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
6.84%
37 Months
DetailsModel Year: 2023 - 2022; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 6.84% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
6.84%
37 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
6.89%
66 Months
DetailsModel Year: 2024 & Newer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 6.89% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
6.89%
66 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
6.99%
37 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
6.99%
6.99%
37 Months
DetailsModel Year: 2024 & Newer; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Promotional rates are for new loans to DuTrac
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.04%
120 Months
DetailsModel Year: 2024 & Newer; Models 25' and longer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.04% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.04%
120 Months
DetailsModel Year: 2024 & Newer; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.09%
50 Months
DetailsModel Year: 2023 - 2022; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.09%
50 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.09% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
7.14%
50 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.14%
7.14%
50 Months
DetailsModel Year: 2024 & Newer; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Promotional rates are for new loans to DuTrac
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.24%
66 Months
DetailsModel Year: 2023 - 2022; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.24%
66 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
7.34%
37 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.34%
7.34%
37 Months
DetailsModel Year: 2023 - 2022; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.39%
120 Months
DetailsModel Year: 2023 - 2022; Models 25' and longer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.39% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
7.39%
66 Months
DetailsModel Year: 2024 & Newer; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.39%
7.39%
66 Months
DetailsModel Year: 2024 & Newer; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Promotional rates are for new loans to DuTrac
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.39%
120 Months
DetailsModel Year: 2023 - 2022; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.44%
37 Months
DetailsModel Year: 2021 - 2019; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.44% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.44%
37 Months
DetailsModel Year: 2021 - 2019; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.44% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
7.49%
50 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.49%
7.49%
50 Months
DetailsModel Year: 2023 - 2022; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.54%
50 Months
DetailsModel Year: 2021 - 2019; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.54% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.54%
7.54%
72 Months
DetailsModel Year: 2024 & Newer; Minimum $15,000 Loan Amount; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit); Promotional rates are for new loans to DuTrac
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.54%
50 Months
DetailsModel Year: 2021 - 2019; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Boats Loan
-
7.69%
120 Months
DetailsModel Year: 2021 - 2019; Models 25' and longer; Rates effective February 20, 2026
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.69% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
RVs/Travel Trailers Loan
-
7.69%
120 Months
DetailsModel Year: 2021 - 2019; Models 25 and longer; Rates stated as APR including .25% EcoPlus discount
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
7.74%
66 Months
DetailsModel Year: 2023 - 2022; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Pop Up Campers Loan
7.74%
7.74%
66 Months
DetailsModel Year: 2023 - 2022; Includes .25% EcoPlus discount (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Motorcycles Under 1200cc Loan
-
8.04%
50 Months
DetailsModel Year: 2021-2019; Rates stated as APR; includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Rewards Mastercard
-
11.49%
DetailsRate Type: Variable
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Choice Mastercard
-
12.99%
DetailsRate Type: Variable
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Business Platinum Rewards Mastercard
-
13.74%
DetailsRate Type: Variable
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 13.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Choice Mastercard
-
14.90%
DetailsRate Type: Non-Variable
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 14.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan - 24 months
9.74%
24 months
DetailsPersonal Loan Rates as of January 5, 2026; Rates stated as Annual Percentage Rate (APR)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Personal Loan - 37 months
9.99%
37 months
DetailsPersonal Loan Rates as of January 5, 2026; Rates stated as Annual Percentage Rate (APR)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Personal Loan - 48 months
10.24%
48 months
DetailsPersonal Loan Rates as of January 5, 2026; Rates stated as Annual Percentage Rate (APR)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
DuTrac Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Lot Loan (75% LTV)
6.875%
0
7.51%
3 year
Details$35,000; Term: 3 year balloon, 10 year amortization; Loan amount $35,000; 75% LTV; APR based on creditworthiness criteria
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.51% → 7.51% ▼ 0.00 pts · high 7.51% / low 7.51%
Oct 1, 20267.51%▼ from 7.51%
Sep 14, 20267.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Lot Loan (80% LTV)
7.375%
0
8.02%
3 year
Details$35,000; Term: 3 year balloon, 10 year amortization; Loan amount $35,000; 80% LTV; APR based on creditworthiness criteria
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.02% → 8.02% ▲ 0.00 pts · high 8.02% / low 8.02%
Oct 1, 20268.02%▲ from 8.02%
Sep 14, 20268.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Escrow
0.25%
-
0.25%
DetailsDividends paid on Avg. Daily Bal., Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
IRA
0.45%
-
0.45%
DetailsDividends paid on Avg. Daily Bal., Quarterly; Minimum Balance to Receive APY: No Minimum; Rate may change after the account is opened
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.87%
Financial Health History
DuTrac Community Credit Union’s Texas Ratio fell from 5.65% in Q3 2023 to 4.87% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.3B
4.87%
5.0
A+
March 31, 2026
$1.3B
4.47%
5.0
A+
December 31, 2025
$1.2B
6.01%
5.0
A
September 30, 2025
$1.2B
6.26%
5.0
A
June 30, 2025
$1.2B
6.78%
5.0
A
March 31, 2025
$1.2B
6.52%
5.0
A
December 31, 2024
$1.2B
8.73%
5.0
A
September 30, 2024
$1.1B
7.55%
5.0
A
June 30, 2024
$1.1B
6.60%
5.0
A
March 31, 2024
$1.1B
6.27%
5.0
A
December 31, 2023
$1.1B
7.12%
5.0
A
September 30, 2023
$1.0B
5.65%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for DuTrac Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather DuTrac Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with DuTrac Community Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
193,593,112
Total Uninsured Shares and Deposits > $250K (F+J)
193,593,112
Total Insured Shares and Deposits > $250K (item 17 less item K)
911,793,425
Total Interest Expense (Sum of items 6 8)
12,279,855
Share Certificates
11,721
Number of Accounts for Share Drafts
24,254
IRA KEOGH Accounts
1,997
Number of Accounts for Regular Shares
63,743
All other shares
1,627
Money Market Shares
3,476
Net Income (unless the amount is already included in Undivided Earnings)
6,048,872
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,068,641
Total Liabilities
1,119,706,020
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
DuTrac Community Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About DuTrac Community Credit Union
How many branches does DuTrac Community Credit Union operate?
DuTrac Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join DuTrac Community Credit Union?
Yes, to access services at DuTrac Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, DuTrac Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, DuTrac Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does DuTrac Community Credit Union offer online and mobile banking?
Most modern institutions like DuTrac Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dutrac.org.
Current DuTrac Community Credit Union Rates
12-Month CD1.50%
18-Month CD1.50%
24-Month CD2.00%
60-Month CD2.00%
Savings1.21%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
