DuTrac Community Credit Union
Quick Summary
- HSA savings account
The Verdict
DuTrac Community Credit Union provides essential HSA features with a monthly fee of $2.00 and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
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.
Key Features
Banking & Access
Basic account access provided.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $25 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance* | $2.00 | $0.69 | ABOVE AVG |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
* Account Opening Fee
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
DuTrac Community Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $2,500 | 0.05% |
| $50,000+ | 0.40% |
Last updated: 04-23-2025
Contact Information
Address
DuTrac Community Credit Union PO Box 3250 Dubuque, IA 52004-3250
Customer Service
At a Glance
Pros & Cons
The Good
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •Monthly fee of $2.00
- •No investment options available
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
Compare with Related Providers
Premier Bank
We see ourselves as more than bankers; we’re your partners, friends and neighbors. We want to talk about your day and your dreams, not just numbers. You inspire us to find solutions that are best for you and your business so that we can see you succeed. After all, we’re Powered by People.
Read Review →State Bank & Trust Co
State Bank & Trust Co. is a local, full-service bank, serving Nevada and Eastern Story County communities from one convenient location. Our goal is to simplify your banking and life by providing you with a level of personal service you don't often find today. As a local, community bank, we have worked for over 75 years to give our clients the most dependable and secure banking experience possible. Discover for yourself the advantages of a truly local banking relationship with State Bank & Trust Co. Call us or stop in to discuss how we can become your new bank, today!
Read Review →Hibernia Bank
Initially founded to provide residential mortgage loans to homeowners, over the years Hibernia has grown to become a full service bank offering a broad range of financial services to meet the needs of our customers in the New Orleans Metropolitan Area. In addition to our special brand of friendly personal service, we are known for competitive rates on loans and deposits, and for our careful attention to every detail in managing your accounts.
Read Review →Latest HSA Strategies
View all articles
Ineligible HSA Contribution? How to Fix It and Avoid Penalties
Made an ineligible HSA contribution? Learn how to fix excess contributions, avoid the 6% penalty, and handle Form 8889 before the tax deadline.
Why Does Tax Software Say My HSA Contribution Is Taxable?
Your tax software shows HSA contributions as taxable income? Learn why it happens, how to fix it in TurboTax and FreeTaxUSA, and avoid penalties.