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DuTrac Community Credit Union auto loan rates compared

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Iowa · Headquarters Iowa

Iowa-based credit union; membership required

Rate page on dutrac.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 5 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.84%New37 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 37 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.84%New50 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 50 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.99%New66 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 66 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

5.14%New72 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 72 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

5.24%New84 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 84 months.

Checked Nov 11, 2026Source dutrac.org

UsedUsed car rates · 5 rates

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.84%Used37 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 37 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.84%Used50 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 50 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

4.99%Used66 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 66 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

5.14%Used72 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 72 months.

Checked Nov 11, 2026Source dutrac.org

As low asDirect depositDirect deposit: The published rate requires direct deposit with the lender.

5.24%Used84 months

IAChecked Nov 11, 2026

What the lender published

New or used cars and trucks, model year 2024 and newer. Includes a 0.25% EcoPlus discount, which requires e-statements and a recurring direct deposit. Rates effective October 16, 2026. Advertised as 84 months.

Checked Nov 11, 2026Source dutrac.org