education - dutrac community credit union · 2017-12-29 · consolidate all of your holiday debt...
TRANSCRIPT
Andrew Hawkinson ���������������������������������������������������������������������� President & CEOMegan Egan ���������������������������������������������������������� Senior VP of Human ResourcesLee Hoerner ����������������������������������������������������������������Senior VP of Sales & ServiceRon Kinsella ��������������������������������������������������������������������������Senior VP of LendingAndy Lassen ������������������������������������������������� Senior VP of Information TechnologyJason Norton ��������������������������������Senior VP of Marketing & Business Development Kim Adams��������������������������������������������������������Manager of Operations and Facilities
Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250
Phone: (563) 582�1331Toll Free: (800) 475�1331Email: [email protected]
Office LocationsClinton3600 Anamosa Road • Clinton, IAComing soon:New location, 2900 South 25th St� Suite A
Jersey Ridge2330 E 53rd Street • Davenport, IA
Kimberly Road3100 W Kimberly Road • Davenport, IA
Asbury Road 3465 Asbury Road • Dubuque, IA
Holliday Drive2045 Holliday Drive • Dubuque, IA
Peru Road18181 Peru Road • Dubuque, IA
St. Mary’s380 E 14th Street • Dubuque, IA
Walmart 4200 Dodge Street • Dubuque, IA
Dyersville1161 16th Avenue Court SE • Dyersville, IA
Eldridge200 N Fourth Ave • Eldridge, IA
Moline3153 Ave of the Cities • Moline, IL
Maquoketa18072 Highway 64 • Maquoketa, IA
Monticello337 S Main Street • Monticello, IA
overall monthly expenditures and may be deductible for tax purposes*. Another great debt consolidation tool is DuTrac’s Platinum Rewards Mastercard. The card has a region-leading low, non-introductory rate and recently expanded uChoose Rewards making DuTrac's Platinum Rewards Mastercard a much sought after tool for debt reduction or elimination. If you have questions about debt consolidation, give us a call, we are here to help you.
With the New Year comes new opportunities: upgrades on vehicles or buying/refinancing homes. DuTrac’s full-service lending options, with low fixed-or variable-rate options and attractive terms, will have you sitting in the vehicle of your dreams or opening the door to a refinanced, or possibly a new home, in no time.
Helping people achieve their financial goals is what DuTrac does best. Our professional staff will personally sit down and go over with you, your credit report and suggest recommendations on how to save money, create a budget and reduce spending in order to achieve your financial goals.
Please feel free to contact us or stop by to see us anytime.
Sincerely,
The Board of Directors, management and staff at DuTrac hope your holiday season has been filled with peace and joy that is continuing into the New Year.
Each new year brings new annual goals and resolutions. During 2018, commit to becoming financially fit by letting the dedicated professionals at DuTrac guide
you safely towards your financial goals.
DuTrac’s core philosophy has always been “people helping people” and we stand true to this statement by offering a variety of financial products and services to assist you along your journey.
This year, make your financial life a breeze with DuTrac’s online and mobile applications, which are easily accessed from your computer or smartphone. Information is power and signing up for Mobile Alerts may reduce the possibility of fraud associated with your DuTrac-issued debit/credit cards by the ongoing monitoring of these cards and their transaction activity. Plus, member cardholders can manage how, when and where their debit/credit cards are being used with CardValet. Please visit dutrac.org for more details about these easy to use and implement anti-fraud tools.
DuTrac can also make your life easier if you have become “snowed under” with holiday spending and other accumulated debt. Mounting debt load is “snow problem” for DuTrac where we enjoy working with members to get them out from under a drift of debt. In most cases, members wishing to can consolidate debt into one payment, often at a lower monthly expense. Consolidating multiple types of debt within a new or recently reviewed Home Equity Line of Credit may reduce a member’s
A Message from the President
Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.
Education
• Lines of Credit • Commercial Real Estate• Equipment Loans • Business Credit Cards• Commercial Vehicles • Business Checking
Helping you improve, expand and take advantage of opportunity.
Apply online today at dutrac.org or speak with acommercial lender at a DuTrac location near you.
Focus on your business during 2018!
For over seventy years, DuTrac Community Credit Union has been known for serving people with superior products and services�
DuTrac's expert Business Services team can boost your business through financial options that are convenient, realistic and cost effective…allowing you the time to focus on those activities that will help your business grow�
Whether it is purchasing a new piece of machinery, applying for a commercial loan or opening a business credit card, DuTrac has the products and services your business needs�
Contact the Business Services Department today to learn how DuTrac's team and resources can take your business to its next level in 2018!
Taking Businesses to their Next Level
Jeff Waller
Dennis Naranjo
Jeff has been helping businesses achieve their goals for over 20 years. He understands that thriving businesses provide jobs and financial security not only for the owners, but for employees and their families, which in turn boosts the local communities we serve.
Contact Jeff Waller, Commercial Lending Manager, at (800) 475.1331, ext. 7256 or email: [email protected].
DuTrac recently welcomed Dennis to the growing business services team. Dennis is based out of DuTrac's Davenport Jersey Ridge location. He understands the challenges today’s dynamic market environment brings – and will offer options to help your business not only adapt through transitions, but thrive.
Contact Dennis Naranjo, Commercial Lender, at (800) 475.1331, ext. 7258 or email: [email protected].
Andrew HawkinsonPresident and CEO
Travis, based out of Dubuque, has worked in the financial services industry for 17 years and is experienced with commercial lending ranging from commercial real estate to small business to agricultural loans. He understands how locally-owned businesses benefit the entire community and is committed to helping you and your business succeed.
Contact Travis Phelan, Commercial Lender, at (800) 475.1331, ext. 8518 oremail: [email protected].
Travis Phelan
Consolidate all of your holiday debt with a low rate
and uChoose Rewards!
Visit dutrac�org for more information or apply online today!
Review credit card statements in addition to current and historical period-end statements safely and securely online.
Lets you control how, when and where your debit/credit card is used.
Is the perfect way to stay up-to-date with your accounts when you are on the go!
• Low Rates• Flexible Terms• Up to 100% Financing
Apply online at dutrac.org.
With a low-rate DuTrac Platinum Rewards Mastercard you earn points every time you use your DuTrac Platinum Rewards Mastercard – and with some
retailers, earn additional points. You can redeem your points for account credit or items of your personal choosing from a vast online catalog.
Shop and compare DuTrac's suite of credit card options at dutrac.org!To learn more about Business Services resources and staff visit dutrac.org/business-services/business-team.
*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)
Financial Update
DuTrac’s financials as of November 30, 2017:
Members ......................................................................................................... 45,961
Shares ................................................................................................... $583,499,234
Loans .....................................................................................................$529,901,521
Net Worth ................................................................................................ $83,500,470
Total Assets ............................................................................................. $672,815,176
DuTrac reserves the right to cancel, terminate, modify or suspend any promotions at any time. For additional information or to make reservations for all upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit www.dutrac.org/events.
In The Know... Upcoming EventsCalendar of Events
Wealth Management & Insurance
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. The advisors are also insurance agents and some of the products sold are annuities and insurance contracts. All guarantees are based on claims-paying ability of the issuer. FR#1969124.1-1217-0120 .
Eric HilbunFinancial Advisor
Nicole Corbett, CRPC®Financial Advisor
Mark RobbinsFinancial Advisor
Nick KohalLiberty Mutual/TruStage Rep.
Auto • Home • Life
January1 All Offices Closed (New Years Day)15 All Offices Closed (MLK Jr. Day)16 DFG Social Security Seminar (Davenport, IA)17 DFG Social Security Seminar (Dubuque, IA)
February8 FCT Retirement Planning Seminar (Dubuque,IA) 10 Savasaurus Club Movie Event (Dubuque, IA) 15 Winter Picnic & Euchre Tournament (Dubuque,IA) 19 All Offices Closed (President's Day)
March1-31 Savasaurus Eyeglass Drive (All DuTrac Locations)3 Daniel O'Donnell (Wisconsin Dells, WI)11 Annual Meeting (Dubuque, IA)14 DFG Social Security Seminar (Davenport, IA)15 DFG Social Security Seminar (Dubuque, IA)
April1 All Offices Closed (Easter) 4 FCT Estate Planning Seminar (Dubuque, IA)
May2 Cinderella (Chicago, IL)15-16 Grotto of the Redemption (West Bend, IA)
Visit www.dutrac.org for a complete list of upcoming
DuTrac events.
Insurance Built for You
For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].
TruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your Credit Union.
Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.
For more information about auto, home or life insurance, contact Nick by phone at (563) 568.7039 or by email at: [email protected].
Thursday, February 15, 2018 DuTrac's Asbury Rd. locationDubuque, IADoors open at 11:45 a.m.Lunch served at 12:00 p.m.Tournament starts at 12:45 p.m.$10 per person
Reservations and payment due by Friday, February 2, 2018.
Winter Picnic & Euchre Tournament
May 15 - 16, 2018 • West Bend, IADavenport Departure • Single = $327 per person.• Two per room =$287 per person.• Three per room = $275 per person.
Be inspired by the beauty of the "Eighth Wonder of the World." The largest man-made grotto in the world with the largest collection of precious stones and gems!
Reservations due by March 2, 2018. Payment due by March 16, 2018.
Grotto of the Redemption
May 2, 2018 • Cadillac Palace Theatre • Chicago, IL • $125 per person
Cinderella is a lush production which features an incredible orchestra, jaw-dropping transformations and all the moments you love—the pumpkin, the glass slipper, the masked ball and more! Cinderella is a hilarious and romantic Broadway experience for anyone who’s ever had a wish, a dream...or a really great pair of shoes.Reservations and payment due by Friday, March 1, 2018.
Rodgers + Hammerstein'sCinderella Broadway Musical
Social Security SeminarsAll Dubuque seminars will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IA
All Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53 St., Davenport, IA
2018 DuTrac Annual Meeting
Sunday, March 11, 2018Grand River Center • Port of Dubuque1:00 p.m. (Doors open at 12:30 p.m.)
Please join DuTrac for a year in review during the DuTrac Community Credit Union Annual Meeting. The Annual Meeting will consist of reviewing the 2017 Annual Report, voting for your Board of Directors and gaining insights regarding the year to come.
Reservations are required and may be made by contacting Karen, at (563) 585.8584 or (800) 475.1331, ext. 8584. Please be prepared to provide the names and account numbers of those attending. Or email full names of those attending and a daytime phone number in case of questions to [email protected]. Do not include account numbers via email.
Savasaurus Club Movie EventSaturday, February 10, 2018• Theater not available at this time.• Title not available at this time.Movie starts at 9:00 a.m.
Sunny the Savasaurus invites everyone to join him for a special movie presentation� Admission is one toiletry or non-perishable food item per person� Soda and popcorn are included�
Reservations are required and due by Friday, February 2, 2018.
Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year at DuTrac. Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded.
Essay and video entries must be submitted by Friday, March 23, 2018. For complete scholarship guidelines, detailed entry requirements and on-line application visit: dutrac.org/scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible for the DuTrac Academic Scholarship.
Important Information Regarding Your Tax Return
Tax season is here. If you plan on having a tax refund deposited into your DuTrac account please provide the following information to your tax advisor:
• DuTrac's routing number: 273974549 • The account number you would like your refund deposited into. (Returns can only be deposited into a main savings or checking account, not sub-share accounts.)
- If you would like your refund deposited into your DuTrac savings account, please select the savings option on your tax form(s) and provide your membership/account number. (Do not include dashes or add an additional 0 to your members number.)
- If you would like your refund deposited into your DuTrac checking account, please select the checking option on your tax form(s) and provide your checking account number. This number can easily be found at the bottom of your check in the center. (Do not include any dashes.)
Savasaurus Eyeglass DriveMarch 1 - 31, 2018
In the spirit of "people helping people," consider donating your old and unused eyeglasses to any of DuTrac's convenient office locations by March 31, 2018.
Dubuque: January 17 & March 15Davenport: January 16 & March 14
Estate and Retirement Planning SeminarsThese seminars will cover an overview of wills, trusts,
retirement options and more.
Retirement Planning Estate PlanningThursday, February 8, 2018 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Wednesday, April 4, 2018 3:00-4:00 & 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Contact Greg at 2045 Holliday Drive • Dubuque, IA, call (563) 557.5044, or email: [email protected] to reserve your seat at these no-cost seminars.
Applications Now Being Accepted The Nominating Committee is accepting applications from qualified members interested in serving on the DuTrac Board of Directors - an unpaid body of volunteers elected by the membership.
Interested candidates are asked to submit biographical information by January 31, 2018 and individually review director responsibilities with members of the Credit Union’s Board. From the applicant pool, the Committee will recommend candidates to the membership at the Annual Meeting on March 11, 2018. To request an application packet please contact:
DuTrac Community Credit UnionAttn: Nominating Committeec/o Andy HawkinsonPO Box 3250Dubuque, IA 52004-3250
New Clinton LocationDuTrac Community Credit Union’s new Clinton location at 2900 South 25th St. Suite A is coming soon – complete with drive up lanes, a full-service ATM and the same friendly and knowledgeable staff. We look forward to serving you and your friends out of this new location.
Seminars Begin at 6:00 p.m.
Keep up-to-date with the progress on DuTrac's Social Media andwatch for a welcoming email upon its completion.
Consolidate your debt by opening a new Home Equity Line of Credit* – as home values increase, so may the equity in your home. Home Equity is your money, use it!*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)
Financial Update
DuTrac’s financials as of November 30, 2017:
Members ......................................................................................................... 45,961
Shares ................................................................................................... $583,499,234
Loans .....................................................................................................$529,901,521
Net Worth ................................................................................................ $83,500,470
Total Assets ............................................................................................. $672,815,176
DuTrac reserves the right to cancel, terminate, modify or suspend any promotions at any time. For additional information or to make reservations for all upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit www.dutrac.org/events.
In The Know... Upcoming EventsCalendar of Events
Wealth Management & Insurance
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. The advisors are also insurance agents and some of the products sold are annuities and insurance contracts. All guarantees are based on claims-paying ability of the issuer. FR#1969124.1-1217-0120 .
Eric HilbunFinancial Advisor
Nicole Corbett, CRPC®Financial Advisor
Mark RobbinsFinancial Advisor
Nick KohalLiberty Mutual/TruStage Rep.
Auto • Home • Life
January1 All Offices Closed (New Years Day)15 All Offices Closed (MLK Jr. Day)16 DFG Social Security Seminar (Davenport, IA)17 DFG Social Security Seminar (Dubuque, IA)
February8 FCT Retirement Planning Seminar (Dubuque,IA) 10 Savasaurus Club Movie Event (Dubuque, IA) 15 Winter Picnic & Euchre Tournament (Dubuque,IA) 19 All Offices Closed (President's Day)
March1-31 Savasaurus Eyeglass Drive (All DuTrac Locations)3 Daniel O'Donnell (Wisconsin Dells, WI)11 Annual Meeting (Dubuque, IA)14 DFG Social Security Seminar (Davenport, IA)15 DFG Social Security Seminar (Dubuque, IA)
April1 All Offices Closed (Easter) 4 FCT Estate Planning Seminar (Dubuque, IA)
May2 Cinderella (Chicago, IL)15-16 Grotto of the Redemption (West Bend, IA)
Visit www.dutrac.org for a complete list of upcoming
DuTrac events.
Insurance Built for You
For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].
TruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your Credit Union.
Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.
For more information about auto, home or life insurance, contact Nick by phone at (563) 568.7039 or by email at: [email protected].
Thursday, February 15, 2018 DuTrac's Asbury Rd. locationDubuque, IADoors open at 11:45 a.m.Lunch served at 12:00 p.m.Tournament starts at 12:45 p.m.$10 per person
Reservations and payment due by Friday, February 2, 2018.
Winter Picnic & Euchre Tournament
May 15 - 16, 2018 • West Bend, IADavenport Departure • Single = $327 per person.• Two per room =$287 per person.• Three per room = $275 per person.
Be inspired by the beauty of the "Eighth Wonder of the World." The largest man-made grotto in the world with the largest collection of precious stones and gems!
Reservations due by March 2, 2018. Payment due by March 16, 2018.
Grotto of the Redemption
May 2, 2018 • Cadillac Palace Theatre • Chicago, IL • $125 per person
Cinderella is a lush production which features an incredible orchestra, jaw-dropping transformations and all the moments you love—the pumpkin, the glass slipper, the masked ball and more! Cinderella is a hilarious and romantic Broadway experience for anyone who’s ever had a wish, a dream...or a really great pair of shoes.Reservations and payment due by Friday, March 1, 2018.
Rodgers + Hammerstein'sCinderella Broadway Musical
Social Security SeminarsAll Dubuque seminars will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IA
All Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53 St., Davenport, IA
2018 DuTrac Annual Meeting
Sunday, March 11, 2018Grand River Center • Port of Dubuque1:00 p.m. (Doors open at 12:30 p.m.)
Please join DuTrac for a year in review during the DuTrac Community Credit Union Annual Meeting. The Annual Meeting will consist of reviewing the 2017 Annual Report, voting for your Board of Directors and gaining insights regarding the year to come.
Reservations are required and may be made by contacting Karen, at (563) 585.8584 or (800) 475.1331, ext. 8584. Please be prepared to provide the names and account numbers of those attending. Or email full names of those attending and a daytime phone number in case of questions to [email protected]. Do not include account numbers via email.
Savasaurus Club Movie EventSaturday, February 10, 2018• Theater not available at this time.• Title not available at this time.Movie starts at 9:00 a.m.
Sunny the Savasaurus invites everyone to join him for a special movie presentation� Admission is one toiletry or non-perishable food item per person� Soda and popcorn are included�
Reservations are required and due by Friday, February 2, 2018.
Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year at DuTrac. Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded.
Essay and video entries must be submitted by Friday, March 23, 2018. For complete scholarship guidelines, detailed entry requirements and on-line application visit: dutrac.org/scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible for the DuTrac Academic Scholarship.
Important Information Regarding Your Tax Return
Tax season is here. If you plan on having a tax refund deposited into your DuTrac account please provide the following information to your tax advisor:
• DuTrac's routing number: 273974549 • The account number you would like your refund deposited into. (Returns can only be deposited into a main savings or checking account, not sub-share accounts.)
- If you would like your refund deposited into your DuTrac savings account, please select the savings option on your tax form(s) and provide your membership/account number. (Do not include dashes or add an additional 0 to your members number.)
- If you would like your refund deposited into your DuTrac checking account, please select the checking option on your tax form(s) and provide your checking account number. This number can easily be found at the bottom of your check in the center. (Do not include any dashes.)
Savasaurus Eyeglass DriveMarch 1 - 31, 2018
In the spirit of "people helping people," consider donating your old and unused eyeglasses to any of DuTrac's convenient office locations by March 31, 2018.
Dubuque: January 17 & March 15Davenport: January 16 & March 14
Estate and Retirement Planning SeminarsThese seminars will cover an overview of wills, trusts,
retirement options and more.
Retirement Planning Estate PlanningThursday, February 8, 2018 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Wednesday, April 4, 2018 3:00-4:00 & 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Contact Greg at 2045 Holliday Drive • Dubuque, IA, call (563) 557.5044, or email: [email protected] to reserve your seat at these no-cost seminars.
Applications Now Being Accepted The Nominating Committee is accepting applications from qualified members interested in serving on the DuTrac Board of Directors - an unpaid body of volunteers elected by the membership.
Interested candidates are asked to submit biographical information by January 31, 2018 and individually review director responsibilities with members of the Credit Union’s Board. From the applicant pool, the Committee will recommend candidates to the membership at the Annual Meeting on March 11, 2018. To request an application packet please contact:
DuTrac Community Credit UnionAttn: Nominating Committeec/o Andy HawkinsonPO Box 3250Dubuque, IA 52004-3250
New Clinton LocationDuTrac Community Credit Union’s new Clinton location at 2900 South 25th St. Suite A is coming soon – complete with drive up lanes, a full-service ATM and the same friendly and knowledgeable staff. We look forward to serving you and your friends out of this new location.
Seminars Begin at 6:00 p.m.
Keep up-to-date with the progress on DuTrac's Social Media andwatch for a welcoming email upon its completion.
Consolidate your debt by opening a new Home Equity Line of Credit* – as home values increase, so may the equity in your home. Home Equity is your money, use it!*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)
Financial Update
DuTrac’s financials as of November 30, 2017:
Members ......................................................................................................... 45,961
Shares ................................................................................................... $583,499,234
Loans .....................................................................................................$529,901,521
Net Worth ................................................................................................ $83,500,470
Total Assets ............................................................................................. $672,815,176
DuTrac reserves the right to cancel, terminate, modify or suspend any promotions at any time. For additional information or to make reservations for all upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit www.dutrac.org/events.
In The Know... Upcoming EventsCalendar of Events
Wealth Management & Insurance
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. The advisors are also insurance agents and some of the products sold are annuities and insurance contracts. All guarantees are based on claims-paying ability of the issuer. FR#1969124.1-1217-0120 .
Eric HilbunFinancial Advisor
Nicole Corbett, CRPC®Financial Advisor
Mark RobbinsFinancial Advisor
Nick KohalLiberty Mutual/TruStage Rep.
Auto • Home • Life
January1 All Offices Closed (New Years Day)15 All Offices Closed (MLK Jr. Day)16 DFG Social Security Seminar (Davenport, IA)17 DFG Social Security Seminar (Dubuque, IA)
February8 FCT Retirement Planning Seminar (Dubuque,IA) 10 Savasaurus Club Movie Event (Dubuque, IA) 15 Winter Picnic & Euchre Tournament (Dubuque,IA) 19 All Offices Closed (President's Day)
March1-31 Savasaurus Eyeglass Drive (All DuTrac Locations)3 Daniel O'Donnell (Wisconsin Dells, WI)11 Annual Meeting (Dubuque, IA)14 DFG Social Security Seminar (Davenport, IA)15 DFG Social Security Seminar (Dubuque, IA)
April1 All Offices Closed (Easter) 4 FCT Estate Planning Seminar (Dubuque, IA)
May2 Cinderella (Chicago, IL)15-16 Grotto of the Redemption (West Bend, IA)
Visit www.dutrac.org for a complete list of upcoming
DuTrac events.
Insurance Built for You
For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].
TruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your Credit Union.
Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.
For more information about auto, home or life insurance, contact Nick by phone at (563) 568.7039 or by email at: [email protected].
Thursday, February 15, 2018 DuTrac's Asbury Rd. locationDubuque, IADoors open at 11:45 a.m.Lunch served at 12:00 p.m.Tournament starts at 12:45 p.m.$10 per person
Reservations and payment due by Friday, February 2, 2018.
Winter Picnic & Euchre Tournament
May 15 - 16, 2018 • West Bend, IADavenport Departure • Single = $327 per person.• Two per room =$287 per person.• Three per room = $275 per person.
Be inspired by the beauty of the "Eighth Wonder of the World." The largest man-made grotto in the world with the largest collection of precious stones and gems!
Reservations due by March 2, 2018. Payment due by March 16, 2018.
Grotto of the Redemption
May 2, 2018 • Cadillac Palace Theatre • Chicago, IL • $125 per person
Cinderella is a lush production which features an incredible orchestra, jaw-dropping transformations and all the moments you love—the pumpkin, the glass slipper, the masked ball and more! Cinderella is a hilarious and romantic Broadway experience for anyone who’s ever had a wish, a dream...or a really great pair of shoes.Reservations and payment due by Friday, March 1, 2018.
Rodgers + Hammerstein'sCinderella Broadway Musical
Social Security SeminarsAll Dubuque seminars will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IA
All Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53 St., Davenport, IA
2018 DuTrac Annual Meeting
Sunday, March 11, 2018Grand River Center • Port of Dubuque1:00 p.m. (Doors open at 12:30 p.m.)
Please join DuTrac for a year in review during the DuTrac Community Credit Union Annual Meeting. The Annual Meeting will consist of reviewing the 2017 Annual Report, voting for your Board of Directors and gaining insights regarding the year to come.
Reservations are required and may be made by contacting Karen, at (563) 585.8584 or (800) 475.1331, ext. 8584. Please be prepared to provide the names and account numbers of those attending. Or email full names of those attending and a daytime phone number in case of questions to [email protected]. Do not include account numbers via email.
Savasaurus Club Movie EventSaturday, February 10, 2018• Theater not available at this time.• Title not available at this time.Movie starts at 9:00 a.m.
Sunny the Savasaurus invites everyone to join him for a special movie presentation� Admission is one toiletry or non-perishable food item per person� Soda and popcorn are included�
Reservations are required and due by Friday, February 2, 2018.
Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year at DuTrac. Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded.
Essay and video entries must be submitted by Friday, March 23, 2018. For complete scholarship guidelines, detailed entry requirements and on-line application visit: dutrac.org/scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible for the DuTrac Academic Scholarship.
Important Information Regarding Your Tax Return
Tax season is here. If you plan on having a tax refund deposited into your DuTrac account please provide the following information to your tax advisor:
• DuTrac's routing number: 273974549 • The account number you would like your refund deposited into. (Returns can only be deposited into a main savings or checking account, not sub-share accounts.)
- If you would like your refund deposited into your DuTrac savings account, please select the savings option on your tax form(s) and provide your membership/account number. (Do not include dashes or add an additional 0 to your members number.)
- If you would like your refund deposited into your DuTrac checking account, please select the checking option on your tax form(s) and provide your checking account number. This number can easily be found at the bottom of your check in the center. (Do not include any dashes.)
Savasaurus Eyeglass DriveMarch 1 - 31, 2018
In the spirit of "people helping people," consider donating your old and unused eyeglasses to any of DuTrac's convenient office locations by March 31, 2018.
Dubuque: January 17 & March 15Davenport: January 16 & March 14
Estate and Retirement Planning SeminarsThese seminars will cover an overview of wills, trusts,
retirement options and more.
Retirement Planning Estate PlanningThursday, February 8, 2018 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Wednesday, April 4, 2018 3:00-4:00 & 5:30-6:30 p.m. DuTrac Community Credit Union 3465 Asbury Rd. • Dubuque, IA
Contact Greg at 2045 Holliday Drive • Dubuque, IA, call (563) 557.5044, or email: [email protected] to reserve your seat at these no-cost seminars.
Applications Now Being Accepted The Nominating Committee is accepting applications from qualified members interested in serving on the DuTrac Board of Directors - an unpaid body of volunteers elected by the membership.
Interested candidates are asked to submit biographical information by January 31, 2018 and individually review director responsibilities with members of the Credit Union’s Board. From the applicant pool, the Committee will recommend candidates to the membership at the Annual Meeting on March 11, 2018. To request an application packet please contact:
DuTrac Community Credit UnionAttn: Nominating Committeec/o Andy HawkinsonPO Box 3250Dubuque, IA 52004-3250
New Clinton LocationDuTrac Community Credit Union’s new Clinton location at 2900 South 25th St. Suite A is coming soon – complete with drive up lanes, a full-service ATM and the same friendly and knowledgeable staff. We look forward to serving you and your friends out of this new location.
Seminars Begin at 6:00 p.m.
Keep up-to-date with the progress on DuTrac's Social Media andwatch for a welcoming email upon its completion.
Consolidate your debt by opening a new Home Equity Line of Credit* – as home values increase, so may the equity in your home. Home Equity is your money, use it!*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)
Andrew Hawkinson ���������������������������������������������������������������������� President & CEOMegan Egan ���������������������������������������������������������� Senior VP of Human ResourcesLee Hoerner ����������������������������������������������������������������Senior VP of Sales & ServiceRon Kinsella ��������������������������������������������������������������������������Senior VP of LendingAndy Lassen ������������������������������������������������� Senior VP of Information TechnologyJason Norton ��������������������������������Senior VP of Marketing & Business Development Kim Adams��������������������������������������������������������Manager of Operations and Facilities
Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250
Phone: (563) 582�1331Toll Free: (800) 475�1331Email: [email protected]
Office LocationsClinton3600 Anamosa Road • Clinton, IAComing soon:New location, 2900 South 25th St� Suite A
Jersey Ridge2330 E 53rd Street • Davenport, IA
Kimberly Road3100 W Kimberly Road • Davenport, IA
Asbury Road 3465 Asbury Road • Dubuque, IA
Holliday Drive2045 Holliday Drive • Dubuque, IA
Peru Road18181 Peru Road • Dubuque, IA
St. Mary’s380 E 14th Street • Dubuque, IA
Walmart 4200 Dodge Street • Dubuque, IA
Dyersville1161 16th Avenue Court SE • Dyersville, IA
Eldridge200 N Fourth Ave • Eldridge, IA
Moline3153 Ave of the Cities • Moline, IL
Maquoketa18072 Highway 64 • Maquoketa, IA
Monticello337 S Main Street • Monticello, IA
overall monthly expenditures and may be deductible for tax purposes*. Another great debt consolidation tool is DuTrac’s Platinum Rewards Mastercard. The card has a region-leading low, non-introductory rate and recently expanded uChoose Rewards making DuTrac's Platinum Rewards Mastercard a much sought after tool for debt reduction or elimination. If you have questions about debt consolidation, give us a call, we are here to help you.
With the New Year comes new opportunities: upgrades on vehicles or buying/refinancing homes. DuTrac’s full-service lending options, with low fixed-or variable-rate options and attractive terms, will have you sitting in the vehicle of your dreams or opening the door to a refinanced, or possibly a new home, in no time.
Helping people achieve their financial goals is what DuTrac does best. Our professional staff will personally sit down and go over with you, your credit report and suggest recommendations on how to save money, create a budget and reduce spending in order to achieve your financial goals.
Please feel free to contact us or stop by to see us anytime.
Sincerely,
The Board of Directors, management and staff at DuTrac hope your holiday season has been filled with peace and joy that is continuing into the New Year.
Each new year brings new annual goals and resolutions. During 2018, commit to becoming financially fit by letting the dedicated professionals at DuTrac guide
you safely towards your financial goals.
DuTrac’s core philosophy has always been “people helping people” and we stand true to this statement by offering a variety of financial products and services to assist you along your journey.
This year, make your financial life a breeze with DuTrac’s online and mobile applications, which are easily accessed from your computer or smartphone. Information is power and signing up for Mobile Alerts may reduce the possibility of fraud associated with your DuTrac-issued debit/credit cards by the ongoing monitoring of these cards and their transaction activity. Plus, member cardholders can manage how, when and where their debit/credit cards are being used with CardValet. Please visit dutrac.org for more details about these easy to use and implement anti-fraud tools.
DuTrac can also make your life easier if you have become “snowed under” with holiday spending and other accumulated debt. Mounting debt load is “snow problem” for DuTrac where we enjoy working with members to get them out from under a drift of debt. In most cases, members wishing to can consolidate debt into one payment, often at a lower monthly expense. Consolidating multiple types of debt within a new or recently reviewed Home Equity Line of Credit may reduce a member’s
A Message from the President
Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.
Education
• Lines of Credit • Commercial Real Estate• Equipment Loans • Business Credit Cards• Commercial Vehicles • Business Checking
Helping you improve, expand and take advantage of opportunity.
Apply online today at dutrac.org or speak with acommercial lender at a DuTrac location near you.
Focus on your business during 2018!
For over seventy years, DuTrac Community Credit Union has been known for serving people with superior products and services�
DuTrac's expert Business Services team can boost your business through financial options that are convenient, realistic and cost effective…allowing you the time to focus on those activities that will help your business grow�
Whether it is purchasing a new piece of machinery, applying for a commercial loan or opening a business credit card, DuTrac has the products and services your business needs�
Contact the Business Services Department today to learn how DuTrac's team and resources can take your business to its next level in 2018!
Taking Businesses to their Next Level
Jeff Waller
Dennis Naranjo
Jeff has been helping businesses achieve their goals for over 20 years. He understands that thriving businesses provide jobs and financial security not only for the owners, but for employees and their families, which in turn boosts the local communities we serve.
Contact Jeff Waller, Commercial Lending Manager, at (800) 475.1331, ext. 7256 or email: [email protected].
DuTrac recently welcomed Dennis to the growing business services team. Dennis is based out of DuTrac's Davenport Jersey Ridge location. He understands the challenges today’s dynamic market environment brings – and will offer options to help your business not only adapt through transitions, but thrive.
Contact Dennis Naranjo, Commercial Lender, at (800) 475.1331, ext. 7258 or email: [email protected].
Andrew HawkinsonPresident and CEO
Travis, based out of Dubuque, has worked in the financial services industry for 17 years and is experienced with commercial lending ranging from commercial real estate to small business to agricultural loans. He understands how locally-owned businesses benefit the entire community and is committed to helping you and your business succeed.
Contact Travis Phelan, Commercial Lender, at (800) 475.1331, ext. 8518 oremail: [email protected].
Travis Phelan
Consolidate all of your holiday debt with a low rate
and uChoose Rewards!
Visit dutrac�org for more information or apply online today!
Review credit card statements in addition to current and historical period-end statements safely and securely online.
Lets you control how, when and where your debit/credit card is used.
Is the perfect way to stay up-to-date with your accounts when you are on the go!
• Low Rates• Flexible Terms• Up to 100% Financing
Apply online at dutrac.org.
With a low-rate DuTrac Platinum Rewards Mastercard you earn points every time you use your DuTrac Platinum Rewards Mastercard – and with some
retailers, earn additional points. You can redeem your points for account credit or items of your personal choosing from a vast online catalog.
Shop and compare DuTrac's suite of credit card options at dutrac.org!To learn more about Business Services resources and staff visit dutrac.org/business-services/business-team.
*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)
Andrew Hawkinson ���������������������������������������������������������������������� President & CEOMegan Egan ���������������������������������������������������������� Senior VP of Human ResourcesLee Hoerner ����������������������������������������������������������������Senior VP of Sales & ServiceRon Kinsella ��������������������������������������������������������������������������Senior VP of LendingAndy Lassen ������������������������������������������������� Senior VP of Information TechnologyJason Norton ��������������������������������Senior VP of Marketing & Business Development Kim Adams��������������������������������������������������������Manager of Operations and Facilities
Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250
Phone: (563) 582�1331Toll Free: (800) 475�1331Email: [email protected]
Office LocationsClinton3600 Anamosa Road • Clinton, IAComing soon:New location, 2900 South 25th St� Suite A
Jersey Ridge2330 E 53rd Street • Davenport, IA
Kimberly Road3100 W Kimberly Road • Davenport, IA
Asbury Road 3465 Asbury Road • Dubuque, IA
Holliday Drive2045 Holliday Drive • Dubuque, IA
Peru Road18181 Peru Road • Dubuque, IA
St. Mary’s380 E 14th Street • Dubuque, IA
Walmart 4200 Dodge Street • Dubuque, IA
Dyersville1161 16th Avenue Court SE • Dyersville, IA
Eldridge200 N Fourth Ave • Eldridge, IA
Moline3153 Ave of the Cities • Moline, IL
Maquoketa18072 Highway 64 • Maquoketa, IA
Monticello337 S Main Street • Monticello, IA
overall monthly expenditures and may be deductible for tax purposes*. Another great debt consolidation tool is DuTrac’s Platinum Rewards Mastercard. The card has a region-leading low, non-introductory rate and recently expanded uChoose Rewards making DuTrac's Platinum Rewards Mastercard a much sought after tool for debt reduction or elimination. If you have questions about debt consolidation, give us a call, we are here to help you.
With the New Year comes new opportunities: upgrades on vehicles or buying/refinancing homes. DuTrac’s full-service lending options, with low fixed-or variable-rate options and attractive terms, will have you sitting in the vehicle of your dreams or opening the door to a refinanced, or possibly a new home, in no time.
Helping people achieve their financial goals is what DuTrac does best. Our professional staff will personally sit down and go over with you, your credit report and suggest recommendations on how to save money, create a budget and reduce spending in order to achieve your financial goals.
Please feel free to contact us or stop by to see us anytime.
Sincerely,
The Board of Directors, management and staff at DuTrac hope your holiday season has been filled with peace and joy that is continuing into the New Year.
Each new year brings new annual goals and resolutions. During 2018, commit to becoming financially fit by letting the dedicated professionals at DuTrac guide
you safely towards your financial goals.
DuTrac’s core philosophy has always been “people helping people” and we stand true to this statement by offering a variety of financial products and services to assist you along your journey.
This year, make your financial life a breeze with DuTrac’s online and mobile applications, which are easily accessed from your computer or smartphone. Information is power and signing up for Mobile Alerts may reduce the possibility of fraud associated with your DuTrac-issued debit/credit cards by the ongoing monitoring of these cards and their transaction activity. Plus, member cardholders can manage how, when and where their debit/credit cards are being used with CardValet. Please visit dutrac.org for more details about these easy to use and implement anti-fraud tools.
DuTrac can also make your life easier if you have become “snowed under” with holiday spending and other accumulated debt. Mounting debt load is “snow problem” for DuTrac where we enjoy working with members to get them out from under a drift of debt. In most cases, members wishing to can consolidate debt into one payment, often at a lower monthly expense. Consolidating multiple types of debt within a new or recently reviewed Home Equity Line of Credit may reduce a member’s
A Message from the President
Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.
Education
• Lines of Credit • Commercial Real Estate• Equipment Loans • Business Credit Cards• Commercial Vehicles • Business Checking
Helping you improve, expand and take advantage of opportunity.
Apply online today at dutrac.org or speak with acommercial lender at a DuTrac location near you.
Focus on your business during 2018!
For over seventy years, DuTrac Community Credit Union has been known for serving people with superior products and services�
DuTrac's expert Business Services team can boost your business through financial options that are convenient, realistic and cost effective…allowing you the time to focus on those activities that will help your business grow�
Whether it is purchasing a new piece of machinery, applying for a commercial loan or opening a business credit card, DuTrac has the products and services your business needs�
Contact the Business Services Department today to learn how DuTrac's team and resources can take your business to its next level in 2018!
Taking Businesses to their Next Level
Jeff Waller
Dennis Naranjo
Jeff has been helping businesses achieve their goals for over 20 years. He understands that thriving businesses provide jobs and financial security not only for the owners, but for employees and their families, which in turn boosts the local communities we serve.
Contact Jeff Waller, Commercial Lending Manager, at (800) 475.1331, ext. 7256 or email: [email protected].
DuTrac recently welcomed Dennis to the growing business services team. Dennis is based out of DuTrac's Davenport Jersey Ridge location. He understands the challenges today’s dynamic market environment brings – and will offer options to help your business not only adapt through transitions, but thrive.
Contact Dennis Naranjo, Commercial Lender, at (800) 475.1331, ext. 7258 or email: [email protected].
Andrew HawkinsonPresident and CEO
Travis, based out of Dubuque, has worked in the financial services industry for 17 years and is experienced with commercial lending ranging from commercial real estate to small business to agricultural loans. He understands how locally-owned businesses benefit the entire community and is committed to helping you and your business succeed.
Contact Travis Phelan, Commercial Lender, at (800) 475.1331, ext. 8518 oremail: [email protected].
Travis Phelan
Consolidate all of your holiday debt with a low rate
and uChoose Rewards!
Visit dutrac�org for more information or apply online today!
Review credit card statements in addition to current and historical period-end statements safely and securely online.
Lets you control how, when and where your debit/credit card is used.
Is the perfect way to stay up-to-date with your accounts when you are on the go!
• Low Rates• Flexible Terms• Up to 100% Financing
Apply online at dutrac.org.
With a low-rate DuTrac Platinum Rewards Mastercard you earn points every time you use your DuTrac Platinum Rewards Mastercard – and with some
retailers, earn additional points. You can redeem your points for account credit or items of your personal choosing from a vast online catalog.
Shop and compare DuTrac's suite of credit card options at dutrac.org!To learn more about Business Services resources and staff visit dutrac.org/business-services/business-team.
*(Interest paid may be tax-deductible. Please consult with your tax advisor for your specific situation.)