# DuTrac Community Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/dutrac-community-credit-union
Institution: Dutrac Community Credit Union (NCUA 64471)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:43.000Z (October 22, 2026)
Official source: https://www.dutrac.org/rates/certificates-of-deposit-cd-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 6 months | $1,000 | 2.25% | Not ZIP-priced | −2.15% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - 9 Month Special | promotional | 9 months | $500 | 4.20% | Not ZIP-priced | −0.28% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 12 months | $1,000 | 1.75% | Not ZIP-priced | −2.82% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 12 months | $1,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 18 months | $1,000 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 18 months | $1,000 | 1.50% | Not ZIP-priced | −3.22% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - 19 Month Special | promotional | 19 months | $500 | 4.35% | Not ZIP-priced | −0.39% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 24 months | $1,000 | 2.26% | Not ZIP-priced | −2.61% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.00% | Not ZIP-priced | −2.87% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - 29 Month Special | promotional | 29 months | $500 | 4.25% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 30 months | $1,000 | 1.75% | Not ZIP-priced | −3.16% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 30 months | $1,000 | 1.50% | Not ZIP-priced | −3.41% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 36 months | $1,000 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 36 months | $1,000 | 1.75% | Not ZIP-priced | −3.20% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 48 months | $1,000 | 2.11% | Not ZIP-priced | −2.87% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 48 months | $1,000 | 1.85% | Not ZIP-priced | −3.13% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit - EcoPlus Account Bonus | relationship | 60 months | $1,000 | 2.26% | Not ZIP-priced | −2.75% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T02:09:43.000Z | [Snapshot 844](https://apyledger.com/snapshots/844) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.