Dutrac Community Federal Credit Union

Headquarters: Dubuque, Iowa
Charter: Credit Union
Assets: $1.3B
Fed district: Chicago

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Dutrac Community Federal Credit Union: $30
Dutrac Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Dutrac Community Federal Credit Union: $30
Dutrac Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $27.50, the middle of its prices
Dutrac Community Federal Credit Union: $25 to $30
Dutrac Community Federal Credit Union: $25 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Dutrac Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Relationship Fee$15
Not compared: Quarterly charge, not monthly
per quarter
Account Balancing Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

HIGH YIELD, MONEY MARKET AND HEALTH SAVINGS ACCOUNTS: Overdraft Fee$30
per item
Minimum Balance to: Returned Item Fee$30
per item
NSF (non-sufficient funds) Fee$30
per item
0.000% 0.000% 0.050% Automatic Overdraft transfer or Loan Advance$5
Automatic Overdraft Transfer$5
per item

ATM & Card

Interest Compounded Daily CREDIT/DEBITLost Credit/Debit Card Replacement$20
per item
Interest Period Calendar Month Calendar Month Calendar Month Lost ATM Card Replacement$7
per item
Interest Credited Monthly Rush Lost Credit/Debit Card Fee$45
per item

Wire Transfers

Outgoing Domestic Wire Transfer$25
Outgoing Domestic Wire Transfer$30
per item
Incoming Wire Transfer$10
per item
Outgoing Foreign Wire Transfer$50
Outgoing Foreign Wire Transfer$55
Not compared: Monthly charge, not per item
per month

Check Services

Money Order Fee$3
per item
Tiers Interest Rate Interest Rate Interest Rate Stop Payment Fee$30
Collection Fee$25
per item
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy$2
Not compared: Annual charge, not per item
per year
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy$2
Not compared: Monthly charge, not per item
per month
Check Copy$2
per item

Account Services

Box Drilling Fee Cost of drilling$20
Not compared: Box drilling or key fee
Late Safe Deposit Box Rental Fee$10
Not compared: Box drilling or key fee
Compliance with Garnishment/Levy$50
per item

Retirement & IRA

IRA Direct Transfer Fee$25

Other Fees

Statement Copy or Account History$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Relationship Fee	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Balancing Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
HIGH YIELD, MONEY MARKET AND HEALTH SAVINGS ACCOUNTS: Overdraft Fee	$30	per item	None
Minimum Balance to: Returned Item Fee	$30	per item	None
NSF (non-sufficient funds) Fee	$30	per item	None
0.000% 0.000% 0.050% Automatic Overdraft transfer or Loan Advance	$5	Not stated	None
Automatic Overdraft Transfer	$5	per item	None
ATM & Card
Interest Compounded Daily CREDIT/DEBITLost Credit/Debit Card Replacement	$20	per item	None
Interest Period Calendar Month Calendar Month Calendar Month Lost ATM Card Replacement	$7	per item	None
Interest Credited Monthly Rush Lost Credit/Debit Card Fee	$45	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Outgoing Domestic Wire Transfer	$30	per item	None
Incoming Wire Transfer	$10	per item	None
Outgoing Foreign Wire Transfer	$50	Not stated	None
Outgoing Foreign Wire Transfer	$55Not compared: Monthly charge, not per item	per month	None
Check Services
Money Order Fee	$3	per item	None
Tiers Interest Rate Interest Rate Interest Rate Stop Payment Fee	$30	Not stated	None
Collection Fee	$25	per item	None
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy	$2Not compared: Annual charge, not per item	per year	None
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy	$2Not compared: Monthly charge, not per item	per month	None
Check Copy	$2	per item	None
Account Services
Box Drilling Fee Cost of drilling	$20Not compared: Box drilling or key fee	Not stated	None
Late Safe Deposit Box Rental Fee	$10Not compared: Box drilling or key fee	Not stated	None
Compliance with Garnishment/Levy	$50	per item	None
Retirement & IRA
IRA Direct Transfer Fee	$25	Not stated	None
Other Fees
Statement Copy or Account History	$1	per item	None

Check Services

Not valid for brokered deposits, institutional investors, business accounts or Public Funds: Official Check Fee$3
per item

Fee	Amount	Basis	Note
Check Services
Not valid for brokered deposits, institutional investors, business accounts or Public Funds: Official Check Fee	$3	per item	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Dutrac Community Federal Credit Union's nsf / returned item changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Dutrac Community Federal Credit Union: $30
Dutrac Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Dutrac Community Federal Credit Union: $30
Dutrac Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $27.50, the middle of its prices
Dutrac Community Federal Credit Union: $25 to $30
Dutrac Community Federal Credit Union: $25 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Dutrac Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Relationship Fee$15
Not compared: Quarterly charge, not monthly
per quarter
Account Balancing Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

HIGH YIELD, MONEY MARKET AND HEALTH SAVINGS ACCOUNTS: Overdraft Fee$30
per item
Minimum Balance to: Returned Item Fee$30
per item
NSF (non-sufficient funds) Fee$30
per item
0.000% 0.000% 0.050% Automatic Overdraft transfer or Loan Advance$5
Automatic Overdraft Transfer$5
per item

ATM & Card

Interest Compounded Daily CREDIT/DEBITLost Credit/Debit Card Replacement$20
per item
Interest Period Calendar Month Calendar Month Calendar Month Lost ATM Card Replacement$7
per item
Interest Credited Monthly Rush Lost Credit/Debit Card Fee$45
per item

Wire Transfers

Outgoing Domestic Wire Transfer$25
Outgoing Domestic Wire Transfer$30
per item
Incoming Wire Transfer$10
per item
Outgoing Foreign Wire Transfer$50
Outgoing Foreign Wire Transfer$55
Not compared: Monthly charge, not per item
per month

Check Services

Money Order Fee$3
per item
Tiers Interest Rate Interest Rate Interest Rate Stop Payment Fee$30
Collection Fee$25
per item
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy$2
Not compared: Annual charge, not per item
per year
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy$2
Not compared: Monthly charge, not per item
per month
Check Copy$2
per item

Account Services

Box Drilling Fee Cost of drilling$20
Not compared: Box drilling or key fee
Late Safe Deposit Box Rental Fee$10
Not compared: Box drilling or key fee
Compliance with Garnishment/Levy$50
per item

Retirement & IRA

IRA Direct Transfer Fee$25

Other Fees

Statement Copy or Account History$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Relationship Fee	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Balancing Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
HIGH YIELD, MONEY MARKET AND HEALTH SAVINGS ACCOUNTS: Overdraft Fee	$30	per item	None
Minimum Balance to: Returned Item Fee	$30	per item	None
NSF (non-sufficient funds) Fee	$30	per item	None
0.000% 0.000% 0.050% Automatic Overdraft transfer or Loan Advance	$5	Not stated	None
Automatic Overdraft Transfer	$5	per item	None
ATM & Card
Interest Compounded Daily CREDIT/DEBITLost Credit/Debit Card Replacement	$20	per item	None
Interest Period Calendar Month Calendar Month Calendar Month Lost ATM Card Replacement	$7	per item	None
Interest Credited Monthly Rush Lost Credit/Debit Card Fee	$45	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Outgoing Domestic Wire Transfer	$30	per item	None
Incoming Wire Transfer	$10	per item	None
Outgoing Foreign Wire Transfer	$50	Not stated	None
Outgoing Foreign Wire Transfer	$55Not compared: Monthly charge, not per item	per month	None
Check Services
Money Order Fee	$3	per item	None
Tiers Interest Rate Interest Rate Interest Rate Stop Payment Fee	$30	Not stated	None
Collection Fee	$25	per item	None
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy	$2Not compared: Annual charge, not per item	per year	None
Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy	$2Not compared: Monthly charge, not per item	per month	None
Check Copy	$2	per item	None
Account Services
Box Drilling Fee Cost of drilling	$20Not compared: Box drilling or key fee	Not stated	None
Late Safe Deposit Box Rental Fee	$10Not compared: Box drilling or key fee	Not stated	None
Compliance with Garnishment/Levy	$50	per item	None
Retirement & IRA
IRA Direct Transfer Fee	$25	Not stated	None
Other Fees
Statement Copy or Account History	$1	per item	None

Check Services

Not valid for brokered deposits, institutional investors, business accounts or Public Funds: Official Check Fee$3
per item

Fee	Amount	Basis	Note
Check Services
Not valid for brokered deposits, institutional investors, business accounts or Public Funds: Official Check Fee	$3	per item	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.