Save Over $300 Annually - DuTrac Community Credit Union

DUBUQUE | DYERSVILLE | ELDRIDGE | MAQUOKETA | MONTICELLO | QUAD CITIES | dutrac.org 

Message from the President... 

I’m proud to say the RACOM Community Credit Union 

legacy will endure as we welcome your membership to 

DuTrac Community Credit Union. Founded on similar 

principles, DuTrac understands the importance of 

providing members with competitive rates, lower fees as 

well as fair and honest products and services within a 

trusted service environment. 

Having served the Dyersville community for many 

years, we’re excited about the opportunity to 

further impact a region we’re committed 

to, not only in financial services, but also 

in community involvement, financial 

literacy and charitable giving. 

At DuTrac, we believe that for a 

credit union to be successful 

in the long term, it has to 

create value for its members and society as a whole. Our 

focus on serving your financial needs is a fundamental part 

of our business strategy. Through donations and community 

partnerships, DuTrac regularly contributes to the communities 

where we live and work by offering financial education 

seminars, deploying and supporting student-run credit unions, 

and employee volunteer programs in area communities. 

Because people are the heart and soul of DuTrac, we are excited 

to integrate the talented RACOM workforce into our organization. 

We’ll work tirelessly to take the best elements from both credit 

unions and create a larger, stronger organization that will further 

enhance our members’ experience. 

I am confident that you’ll enjoy the benefits of being a DuTrac 

member. On behalf of our Board of Directors, the management 

team and the entire Credit Union family, we look forward to 

helping you achieve your financial dreams. 

Sincerely, 

Holiday Closings... 

New Year’s Day | Sunday, January 1, 2012 

All offices will be closed. 

New Year’s Day Observed 

Monday, January 2, 2012 


Martin Luther King Jr. Day 

Monday, January 16, 2012 


Presidents’ Day 

Monday, February 20, 2012 


Easter Day 

Sunday, April 8, 2012 


Call AccessLine at (563) 557.5000 or (800) 550.5764 or 

enroll in PC Branch with MobileLink to access your accounts 24/7. 

Thursday, January 19, 2012 | PC Branch / Web Site Seminar 

February 1–29, 2012 | Savasaurus ® Club Toy Drive 

Saturday, February 18, 2012 | NuPerspectives Trip – Chicago 

Saturday, March 10, 2012 | Monticello Savasaurus Skate Event 

Tuesday, March 13, 2012 | How to Pay for College Seminar 

Sunday, March 25, 2012 | DuTrac Annual Meeting 

Andrew Hawkinson 

President & CEO 

Calendar of Events... 

your source of education and fun. 

Saturday, April 21, 2012 | NuPerspectives Trip – Fireside Theatre 

® Savasaurus Club and ®EcoPLus Account are registered trademarks of DuTrac Community Credit Union.

Products and Services... 

providing you with innovative solutions. 

Make the switch to a DuTrac... 

On average, a DuTrac member can 

save over 

$300 annually 

by switching to the EcoPlus ® Account. 

• FREE checking with no minimum balance requirements 

• .25% lower loan rate on all future secured consumer loans 

• Unlimited FREE debit card transactions 

• Free custom checks (first order of 150) 

• ATM surcharges rebated up to $10 per statement cycle 

• .25% higher rate on all future Certificates of Deposit 

• And more! Ask today how DuTrac can save you “green!” 

To qualify, simply establish a recurring direct deposit and enroll in e-Statements. Terms and conditions are 

subject to change. To qualify for a checking account you must meet certain eligibility requirements. Annual 

savings is determined by member’s use of EcoPlus Account benefits. Annual savings may vary. 

Lower Your Monthly Mortgage Payment 

With the lowest rates in over 50 years, now is the time to refinance 

your home loan. Whether DuTrac financed your existing mortgage 

or not, you can still refinance your mortgage with DuTrac. 

To discuss your refinance possibilities contact DuTrac’s real estate department at (563) 582.1331, 

(800) 475.1331 or e-mail: realestate@dutrac.org. 

Building a strong 

foundation for your 

future is a lot easier to 

accomplish with the 

right tools. 

Advantages of DuTrac’s Home Equity Plus Line of Credit: 

• A one-time application 

• Access to your line of credit 24/7 

• A low, variable interest rate 

• A 10-year draw period without 

re-qualifying 

• Repayment terms up to 15 years 

• No closing costs with automatic payment 

and direct deposit 

• Money-saving tax benefits 

(Check with your tax advisor regarding your 

particular situation.) 

For further information about DuTrac’s Home Equity Plus Line of Credit, please contact a highly 

qualified financial services consultant by e-mail at: members@dutrac.org, by phone at 

(563) 582.1331, or (800) 475.1331, or stop into any of DuTrac’s convenient locations.

Investing In You... 

opening the door to home ownership. 

DuTrac is known and respected for its level of service and 

expertise in the home mortgage/real estate lending 

field. When buying a home, members are faced with a 

number of choices including: rates, terms and options. 

DuTrac’s expert real estate lending staff provides sound 

advice and can help make selecting the right loan for 

your financing needs easier. 

• First Time Plus Home Buyer Loan 

• Federal Housing Administration (FHA) Loan 

• Lock-n-Build Plus Home Construction Loan 

• Veterans’ Administration (VA) Home Loans 

• Vacation and Second Home Loans 

• Lot and Land Loans 

Steve Goedken 

(563) 585.8441 

Celeste Hefel 

(563) 585.8443 

Gary Jaeger 

(563) 585.8442 

If you have questions regarding DuTrac’s real estate products or services, 

please contact our highly qualified real estate department by e-mail at: 

realestate@dutrac.org or by phone to schedule your appointment. To apply for 

a real estate loan simply visit us online at dutrac.org. 

Put the power of convenience in the palm of your hand 

with a DuTrac credit card. DuTrac offers several money 

saving, convenient credit card choices: MasterCard, VISA 

Classic, and VISA Platinum. DuTrac also offers a VISA 

Business Platinum card to its business members. 

No matter which card you choose, you’ll be able to make 

purchases worldwide. Your DuTrac credit card will give 

you the convenience, global access, and versatility you 

need and expect. 

DuTrac proudly offers MyCardInfo on all DuTrac credit card accounts. It’s a 

free service that allows you access to your credit card account 24 hours a 

day, seven days a week. This added service allows you to keep track of all 

your credit card activity. 

If you would like to enroll your credit card in DuTrac Community Credit Union’s MyCardInfo, 

visit the MyCardInfo site at: dutrac.mycardinfo.com. 

Transfer Your Credit Card Balances and Save! 

When you consolidate balances from other financial institutions 

onto your DuTrac credit card, the savings really add up. Transferring 

a balance is easy using DuTrac’s online transfer form at: 

dutrac.org/credit-cards/credit-card-transfer-form.

Join DuTrac for a year in review during the DuTrac Community Credit Union 

2012 Annual Meeting. The Annual Meeting will consist of reviewing the 

2011 Annual Report, voting for your Board of Directors and insights 

regarding the year to come. 

Reservations are required and may be made by contacting Karen with 

your name, number attending and account number, at (563) 585.8584 

or (800) 475.1331, ext. 8584 or e-mail: ktegeler@dutrac.org. 

Date: Sunday, March 25, 2012 

Place: Grand River Center 

Port of Dubuque - 500 Bell Street, Dubuque 

Time: Meeting begins at 1:00 p.m. 

All DuTrac Community Credit Union savings accounts are federally 

insured to at least $250,000 and backed by the full faith and credit 

of the United States Government and the National Credit Union 

Administration (NCUA ), a U.S. Government Agency. 

Meet the Team... 

Serving your financial needs in Dyersville. 

The names and faces you have always seen at RACOM 

Community Credit Union will continue to serve your financial 

needs now and into the future. We welcome the talents, 

experience and dedication of these individuals in providing 

quality service to members of the Dyersville-area community. 

Cher 

Brimeyer 

Bev 

Engler 

Richard 

Grimes 

Vicki 

Maiers 

Jamie 

Miller 

Joyce 

Mormann 

• Business Savings 

• Business Checking 

• Business Loans 

• Business Credit Cards 

• Direct Deposit 

• Payroll Distribution Services 

• ACH Origination 

• Automatic Payments 

• Merchant Card Processing Services 

DuTrac can help you manage your business through financial options that 

provide convenience, reliability, and value... allowing you the time to focus on 

activities that will help your business grow. 

If you have further questions regarding DuTrac Community Credit Union’s business services, 

please contact Jeff Waller, Business Lending Manager by e-mail at: jwaller@dutrac.org, by phone 

at (563) 349.2146, or (800) 475.1331 to schedule your appointment. 

Join the Savasaurus ® Club 

DuTrac offers the Savasaurus Club to members age 12 and 

under to encourage good savings habits, as well as learning 

about the credit union philosophy of "People Helping 

People." To learn more about the DuTrac Savasaurus Club 

visit: dutrac.savasaurusclub.com.

DuTrac Community offers members and businesses the ability to obtain 

trust and managed investment services through a partnership with First 

Community Trust. No matter where you are in life, it's 

wise to get professional asset management and 

estate planning assistance. 

Sharlene (Elgin) Kline 

Sr. Vice President - FCT 

Contact Sharlene (Elgin) Kline at (563) 557.5044 or 

(800) 475.1331, ext. 8455 or by e-mail at: 

SKline@FCTrust.com. 

• Investment Management 

• 401(k) / IRA Rollovers 

• Living/Revocable Trusts 

• Trusts Under Wills 

• Estate Administration 

• Estate Planning Consultation 

FCTrust.com 

DuTrac’s Board of Directors is elected by Credit Union members 

during the Annual Meeting and reports to the general 

membership. The Board of Directors serve voluntarily on behalf 

of the members. The Board establishes the Credit Union's 

direction by adopting policies that set a strategic direction for the 

future of the organization. 

Donald Pfohl 

Chairman 

Harlan Pedretti 

Vice Chairman 

Kelan Manning 

CFO/Treasurer 

Linda MacDonald 

Secretary 

Dan Deutmeyer 

Christopher 

Dibbern 

Vonda Hosch Russell Kuennen Robert Mueller Gerald Osterhaus Michael Ready 

We can help you Buy-&-Sell online 

The Buy-&-Sell is a free service offered to DuTrac members to 

assist them in selling personal items. The potential audience for 

viewing/submitting ads can be as wide as DuTrac’s 42,000- 

member base reaching areas including: Dubuque, Dyersville, 

Eldridge, Maquoketa, Monticello and the Quad Cities. 

Learn more about the DuTrac Buy-&-Sell by visiting: 

dutrac.org/additional-resources/buy-sell.

RACOM Office Location 

The RACOM office location will remain open with the same 

hours. New hours may go into effect beginning April 2, 2012. 

RACOM Member Account Numbers 

Your member number will remain the same at DuTrac as it is at 

RACOM. 

Account Suffixes: Listed below are various suffixes associated 

with identifying DuTrac accounts. 

Suffix 0 ..............Main Share Savings Account 

Suffix 1 and 2 ....Sub-Share Savings Account 

Suffix 3 ..............Escrow Account 

Suffix 4 ..............Vacation Club Account or Money Market Account 

Suffix 5 ..............Christmas Club Account 

Suffix 6, 7 or 8 ....Individual Retirement Account (IRA) 

Suffix 9 ..............Main Checking Account 

DuTrac’s Routing Number: 273974549 

Direct Deposit: If you currently have direct deposit it will 

automatically be routed to your account with DuTrac without 

any effort on your part. However, we recommend that you 

notify your employer of DuTrac’s routing number (273974549) 

and your DuTrac member number. 

On January 1, 2012, you’ll become a member of DuTrac 

Community Credit Union. This new membership opens the 

door to enhanced services and account options. Although every 

effort has been made to convert your membership with only a 

few modifications, you’ll notice some of your account details will 

change. This Quick Facts section outlines the key elements that 

will affect your account. 

Savings Account 

• The transition of your RACOM Community Credit Union savings 

account to DuTrac is the basis of your DuTrac membership. We will 

automatically convert your RACOM savings account(s) to a new, 

comparable DuTrac savings account(s). 

• If you are a member of both DuTrac and RACOM, your RACOM 

account will not be combined with your DuTrac account. Therefore, 

you will have separate accounts, eventually needing to be combined. 

• Effective January 1, 2012, in accordance with Regulation D 

(federal compliance), you will be permitted up to six (6) withdrawals 

or transfers out of your Share Savings account per month by order 

of preauthorized, electronic, telephone or home banking means. 

(You have unlimited access to your Share Savings account in person and at ATMs.) 

• RACOM’s Premium Savings account will change to DuTrac’s 

Money Market account at DuTrac’s tiers and rates upon account 

conversion. 

For further information about DuTrac’s products or services, please contact a 

highly qualified financial services consultant by e-mail at: members@dutrac.org, 

by phone at (563) 582.1331, or (800) 475.1331, stop into any of DuTrac’s 

convenient locations or visit us online at: dutrac.org. 

Calculate Your Savings 

DuTrac offers a selection of free, online financial calculators 

designed to help you with your financial planning. Visit 

dutrac.org to calculate a loan payment, savings rate, or funds 

needed at retirement. The calculators can help you manage your 

current and future financial life. 

DuTrac Community Credit Union offers members and 

businesses personalized retirement, insurance and 

investment services through a partnership with DuTrac 

Financial Group. DuTrac Financial Group, a full-service 

financial advisory program, can help you create a plan 

to achieve the financial goals for you and your family. 

Mutual Funds 

IRAs 

Stocks/Bonds 

Annuities 

Long-Term Care Insurance 

Life Insurance 

Eric Hilbun 

Financial Advisor 

For more information or to schedule a financial advisory consultation please contact a 

DuTrac Financial Group representative by phone at (563) 557.5002. 

Cole Schmelzer 

Financial Advisor 

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, 

Waverly, IA 50677, toll-free (800) 369.2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. 

CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

DuTrac is committed to serving our members in the best 

way possible. We offer products and services far and 

above the normal savings and loans products: 

• Free e-Statements 

• Free BillPayer 

• Free MobileLink 

• Free AccessLine 

• Direct Deposit 

• Overdraft Protection 

• Medallion Signature Guarantees 

• Money Orders/Official Checks 

• Safe Deposit Boxes 

• Safekeeping Boxes 

• Travelers Cheques 

• Events & Educational Seminars 

• Wire Transfers 

• State Quarter Sets 

• Money Bags 

• Notary Services 

• Coin Counting Machine 

• Night Drop 

• Presidential Dollar Sets 

• ATIRA Gift Cards 

• Buy-&-Sell 

Some products or services may be limited and/or offered at specific DuTrac office locations. For further information about DuTrac’s products or 

services, please contact a highly qualified financial services consultant by e-mail at: members@dutrac.org, by phone at (563) 582.1331, or 

(800) 475.1331, stop into any of DuTrac’s convenient locations or visit us online at: dutrac.org. 

Protect Your Credit 

To report suspicious activity on your account or if you have been a 

victim of fraud, please contact DuTrac Community Credit Union at 

(563) 582.1331, or (800) 475.1331 or your local police. 

The advantages of Overdraft Protection: 

Overdraft protection is a service offered on all of DuTrac’s 

checking accounts. Overdraft protection eliminates the 

embarrassment of having checks returned for non-sufficient 

funds and keeps your good name intact. 

• Transfers to cover overdrafts can be made from 

savings or from an account that you are joint on. 

• Transfers to cover overdrafts can be made from your 

EZ Access Line of Credit. 

• A combination of both of these transfers is 

available. (A small fee applies for each overdraft transfer.) 

The advantages of Direct Deposit, 

Payroll Deduction & Automatic Transfer: 

• Direct deposits are recurring payments such as 

paycheck, pension or Social Security that can be 

sent to your DuTrac account. 

• Payroll deduction, if offered by your employer, 

is a pre-determined amount taken automatically 

from your paycheck and sent directly to DuTrac 

for distribution to any of your accounts or loans. 

• Automatic transfers are internal transfers that 

allow you to move funds for various reasons. 

Automatic transfers can be set up on a monthly, 

bi-weekly, or weekly basis, saving you time and 

money. 

DuTrac offers members the ability to direct funds within the 

Credit Union to virtually any account you wish with direct 

deposit, payroll deduction or automatic transfer, saving you 

time and money. 

Establish Direct Deposit: To set up a direct deposit you will need to provide your 

employer with DuTrac’s routing number and your account number. DuTrac’s routing 

number is 273974549. 

For further information about establishing overdraft protection, direct deposit, payroll deduction or automatic transfers, please contact a highly qualified financial 

services consultant by e-mail at: members@dutrac.org, by phone at (563) 582.1331, or (800) 475.1331, stop into any of DuTrac’s convenient locations or 

visit us online at: dutrac.org.

Safe and Sound... 

providing you peace-of-mind. 

Have you ever wanted to see if a check has cleared, check 

an account balance, review your statements or perform 

a transfer on a weekend, holiday or late at night 

With a full array of built-in products and services 

designed to help manage your accounts and finances 

conveniently, securely and around the clock...PC Branch 

is at your fingertips when you need it. Save time and 

money with just a “click” of a mouse. 

Help Save A Tree 

By switching to DuTrac’s free, electronic e-Statements, you 

actively help reduce paper consumption, landfill waste and 

inevitably save a few trees in the process. Plus, they’re more 

secure than traditional paper statements. 

• Obtain current balance information 

• Transfer money - within your accounts 

or to a joint account 

• Review account history or get 

tax information 

• Obtain an advance on your loan 

(available Lines of Credit) 

• Place a stop payment 

• View images of checks that have 

cleared your account 

• Receive low balance e-alerts 

Enroll in PC Branch: If you would like to enroll in DuTrac Community Credit 

Union’s PC Branch, please contact a highly qualified financial services 

consultant by e-mail at: members@dutrac.org, by phone at (563) 582.1331, 

or (800) 475.1331, stop into any of DuTrac’s convenient locations or fill out 

our online contact us form and select “PC Branch Enrollment.” 

DuTrac PC Branch / Website Seminar 

Join us for a free educational seminar to learn about DuTrac’s online 

products and services; PC Branch, BillPayer, e-Statements, mycardinfo 

and Buy-&-Sell. 

There is limited space for each session, so make your reservations early by calling Karen 

at (563) 585.8584 or (800) 475.133, ext. 8584. 

Date: Thursday, January 19, 2012 

Place: 

Times: 

DuTrac’s Dyersville Office Location 

1161 16th Avenue Court SE, Dyersville 

One hour sessions: 10:30 a.m., 12:00 p.m., 

1:30 p.m., 3:00 p.m. and 5:30 p.m. 

Mailing Address 

PO Box 3250 

Dubuque, Iowa 52004-3250 

Phone: (563) 582.1331 

Toll Free: (800) 475.1331 

E-Mail: members@dutrac.org 

Hours of Operation: 

Mon.-Fri.: 8:30 a.m. - 5:30 p.m., Sat.: 8:30 a.m. - 12 p.m. 

The RACOM Dyersville office hours will remain the same through April 2, 2012. 

Senior Management Team 

Andrew Hawkinson..................................................President & CEO 

Tom Anderson..............................................Senior VP of Operations 

Subi Banerjee....................................................Senior VP of Finance 

Lee Hoerner ..........................................Senior VP of Sales & Service 

Asbury Road 

3465 Asbury Road 

Dubuque, IA 

Peru Road 

18181 Peru Road 

Dubuque, IA 

Walmart Davenport 

3101 W Kimberly Road 

Davenport, IA 

St. Mary’s 

380 E 14th Street 

Dubuque, IA 

Dyersville 

1161 16th Avenue Ct SE 

Dyersville, IA 

Office Locations 

Andy Lassen ......................................VP of Information Technology 

Jason Norton ........Senior VP of Marketing & Business Development 

Bob Upton ........................................................Senior VP of Lending 

Sarah Yoder ......................................Senior VP of Human Resources 

Walmart Dubuque 

4200 Dodge Street 

Dubuque, IA 

Eldridge 

200 N Fourth Avenue 

Eldridge, IA 

Jersey Ridge 

2330 E 53rd Street 

Davenport, IA 

Maquoketa 

18072 Highway 64 

Maquoketa, IA 

Village Shopping Center 

902 W Kimberly Road 

Davenport, IA 

Monticello 

337 S Main Street 

Monticello, IA

Save Over $300 Annually - DuTrac Community Credit Union

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