DuTrac Community Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, DuTrac Community Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on a 19-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.50% to 2.25% APY.
Tracking began .
DuTrac Community Credit Union CD & share certificate rates
Membership required. Certificates from 6 to 60 months ($1,000), with a higher APY for EcoPlus checking members, and 9-, 19- and 29-month specials ($500) that renew into standard terms. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 2.50% | −1.90% | Top 77% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 2.25% | −2.15% | Top 78% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit - 9 Month Special Promotional | $500 | 4.20% | −0.28% | Top 13% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 1.75% | −2.82% | Top 85% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 1.50% | −3.07% | Top 88% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 1.75% | −2.97% | Top 87% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 1.50% | −3.22% | Top 89% of tracked 18-month CDs · Verified October 22, 2026 |
| 19 months | Certificate of Deposit - 19 Month Special Promotional | $500 | 4.35% | −0.39% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 2.26% | −2.61% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.00% | −2.87% | Top 82% of tracked 24-month CDs · Verified October 22, 2026 |
| 29 months | Certificate of Deposit - 29 Month Special Promotional | $500 | 4.25% | −0.65% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 1.75% | −3.16% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $1,000 | 1.50% | −3.41% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 2.00% | −2.95% | Top 80% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 1.75% | −3.20% | Top 83% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 2.11% | −2.87% | Top 74% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 1.85% | −3.13% | Top 80% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit - EcoPlus Account Bonus Relationship | $1,000 | 2.26% | −2.75% | Top 75% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.00% | −3.01% | Top 82% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.35% APY (19 months). The standard rate for a similar term is 1.50% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $285 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are DuTrac Community Credit Union's best CD rates by term?
DuTrac Community Credit Union's best rate is 4.35% APY on 19 months, verified October 22, 2026.
- 6 mo2.50%
- 9 mo4.20%
- 12 mo1.75%
- 18 mo1.75%
- 19 mo4.35%
- 24 mo2.26%
- 29 mo4.25%
- 30 mo1.75%
- 36 mo2.00%
- 48 mo2.11%
- 60 mo2.26%
How much interest could a DuTrac Community Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$697.54 interest · $10,697.54 at maturity on $10,000.00.
4.35% APY · 19 months · Certificate of Deposit - 19 Month Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $62.292.50% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $124.572.50% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $311.432.50% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $622.852.50% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 9 months | $156.834.20% APY · Certificate of Deposit - 9 Month Special · Promotional | $313.674.20% APY · Certificate of Deposit - 9 Month Special · Promotional | $784.164.20% APY · Certificate of Deposit - 9 Month Special · Promotional | $1,568.334.20% APY · Certificate of Deposit - 9 Month Special · Promotional |
| 12 months | $87.501.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $175.001.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $437.501.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $875.001.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 18 months | $131.941.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $263.891.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $659.721.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $1,319.451.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 19 months | $348.774.35% APY · Certificate of Deposit - 19 Month Special · Promotional | $697.544.35% APY · Certificate of Deposit - 19 Month Special · Promotional | $1,743.854.35% APY · Certificate of Deposit - 19 Month Special · Promotional | $3,487.704.35% APY · Certificate of Deposit - 19 Month Special · Promotional |
| 24 months | $228.552.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $457.112.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $1,142.772.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $2,285.542.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 29 months | $529.044.25% APY · Certificate of Deposit - 29 Month Special · Promotional | $1,058.084.25% APY · Certificate of Deposit - 29 Month Special · Promotional | $2,645.204.25% APY · Certificate of Deposit - 29 Month Special · Promotional | $5,290.404.25% APY · Certificate of Deposit - 29 Month Special · Promotional |
| 30 months | $221.751.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $443.511.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $1,108.771.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $2,217.541.75% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 36 months | $306.042.00% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $612.082.00% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $1,530.202.00% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $3,060.402.00% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 48 months | $435.552.11% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $871.092.11% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $2,177.732.11% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $4,355.452.11% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
| 60 months | $591.122.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $1,182.242.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $2,955.612.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship | $5,911.222.26% APY · Certificate of Deposit - EcoPlus Account Bonus · Relationship |
How DuTrac Community Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 578-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 19 tracked institutions with fresh 578-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| DuTrac Community Credit Union (this institution)Certificate of Deposit - 19 Month Special · Promotional | 19 months | $500 | Membership required · branches in IA, IL | 4.35% | October 22, 2026 |
| Synchrony BankCD · Standard | 19 months | Not stated | Available nationwide | 4.35% | October 22, 2026 |
| Florida Credit Union (highest tracked APY for this term)19 month CD & IRA CD Special · Promotional | 19 months | $1,000 | Membership required · branches in FL | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 19 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.74% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking DuTrac Community Credit Union on October 22, 2026.
About DuTrac Community Credit Union
- Legal name
- Dutrac Community Credit Union
- Regulator ID
- NCUA 64471
- Headquarters
- Dubuque, IA
- Available in
- IA, IL
- Total assets
- $1.3 billion
- Also known as
- Website
- www.dutrac.org
Source: rates read from https://www.dutrac.org/rates/certificates-of-deposit-cd-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at DuTrac Community Credit Union?
Among the rates we track, 4.35% APY on a 19-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a DuTrac Community Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does DuTrac Community Credit Union's best CD rate compare with Treasury yields?
4.35% APY is −0.39% versus the 19-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.35% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are DuTrac Community Credit Union CDs insured?
DuTrac Community Credit Union is a federally insured credit union (NCUA 64471). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at DuTrac Community Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check DuTrac Community Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from DuTrac Community Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with DuTrac Community Credit Union before opening an account. This page is not financial advice.