As a credit union, DuTrac Community Credit Union is a not-for-profit cooperative that exists solely to serve its member/owners rather than to maximize corporate profits. Although credit unions earn a profit like any other business, the profits are returned to the members in the form of lower loan rates and higher deposit rates – unlike a bank where profits go into the pockets of investors/stockholders. When you become a DuTrac member, you also become an owner. Like banks, credit unions accept deposits, make loans, and provide a wide array of other financial services. But as member-owned institutions, credit unions focus on providing a safe place to save and borrow at reasonable rates.