6 Tips to help your future financial stability weather the storm.

Andrew Hawkinson.....................................................................................President & CEOKim Adams.......................................................................... Senior VP of Operations & FacilitiesMichelle Ariss..............................................................................................Senior VP of FinanceMegan 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

Senior Management TeamMa iling Addre ss:PO Box 3250Dubuque, IA 52004-3250

Phone : (563) 582.1331To ll Free : (800) 475.1331Ema il: Members@DuTrac.org

the CDC website (CDC.gov) directly to learn about additional preventive measures you can take to protect yourself and those around you.

• Ut ilize DuTra c ’s con t a ct -le ss and on line bank ing. Online banking services PC Branch, along with telephone-based AccessLine, allow member access to check balances, make payments, transfer funds, view transactions or deposit checks 24 hours a day, seven days a week. Both eliminate face-to-face interactions – allowing you to bank from the comfort – and safety - of your home. Online bank ing op t ions can be found a t DuTrac.o rg/On l ine-Ser v ice.

• P le a se v isit DuTra c.o rg and/or DuTra c ’s Fa cebook page regu la r ly. Real-time updates will continue to be posted on our website and social media; including information regarding branch operational hours, closures, and programs available to assist you through these uncertain times.

We, the employees of DuTrac, are here for you. And our ongoing presence is a constant you can count on even during uncertain times. The pandemic is teaching us to find joy and gratitude in the smallest of things and in each other. We hope you find joy when and where you can, and as always – reach out and visit with your DuTrac family if you need a hand.

Be well. Take care of one another. We’re here to take care of you.

Regards,

Andy HawkinsonPresident & CEO

Well, the last few months have been something, haven’t they? Uncertainty and fear were undeniably omnipresent as the COVID-19 pandemic and racial tensions swept the globe (and let’s not forget about the murder hornets!). However, the unraveling of normalcy also welcomed a resurgence of community. Community is not

only part of our name, DuTrac Community Credit Union; it’s the personification of our membership, Board of Directors, and employees. When times got tough – we came together supporting local businesses and working with individuals and families who needed a helping hand during trying times. DuTrac exhausted every measure possible to ensure the safety of members and employees; not just physically, mentally and also financially. We hope you feel the same way.

People over profit is a core credit union philosophy. There is no greater priority than the health and safety of DuTrac’s family of members and staff. The gradual re-opening of lobbies in June was guided by a strategic, and socially conscious plan to safely conduct business. Specifi c p recaut ions put in p lace can be found on page 2 o f th is newsle t te r and a t DuTrac.o rg.

As we continue to navigate 2020 and beyond, and as definitions of “normal” continue to evolve, we, as a fellow community member urge you to follow the recommendations of experts including, but not limited to:

• Fo llow CDC and loca l gu ide line s. If you or someone you know has any questions regarding COVID-19, please visit

Clinton2900 S 25th Street, Ste. A • Clinton, IA

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

Maquoketa18072 Highway 64 • Maquoketa, IA

Moline3153 Avenue of the Cities • Moline, IL

Monticello337 S Main Street • Monticello, IA

Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.

Office Locations

2020 has a futuristic ring to it, but the new decade thus far has been a series of unknowns. Dramatic stock market drops, school closures and the widespread threat of unemployment are just a handful of factors in the evolving financial fallout of the coronavirus. Here are six ways to help your future financial stability weather the storm.

when the lobbies are closed, dutrac''''' staff strike a pose!DuTrac employees made the most out of their work days during the temporary suspensions of lobbies. They were able to bring some smiles and

laughs with dress-up days including Western, Hawaiian, Workout Attire, Throw-Back, Neon and Camo!

1 . U t i l i ze you r em e rg en cy f und

Having money saved is good for a rainy day. If you’re facing a loss of income or an onset of unexpected expenses, use the money you have set aside for this very purpose!

2 . Con t ro l you r e xp en se s

Having a well-padded emergency fund is usually the best way to keep from pulling money from investments, but in these uncertain times, it may not be enough. Put some additional guardrails around your portfolio by learning where and how you may be able to reduce expenses.

3 . Withd raw w i th cau t io n

Tapping your emergency savings and cutting expenses can help you avoid pulling money out of investment and retirement accounts. But if you find yourself in need of more cash, it ’s important to know how to prioritize additional sources. Your f irst step should be to stop adding new contributions, an easy thing to forget if you have them set up to pull from your paycheck automatically.

4 . Don ’t r e -b a lan ce — ye t

Major market dips can throw your asset allocation — or the way you’ve organized your investment portfolio between stocks, bonds and other investments — out of balance, but the throes of a chaotic market is not the time to address it. Holding onto your investments through a market low gives you a shot at recovery, whereas selling your assets when the market drops locks in those losses.

5 . I n ve s t w i t h you r ag e in m ind

Some investors get excited about the prospect of “buying the dip,” or investing in stocks when the market is down. These market lows can be scary, but they also allow you to buy assets at doorbuster prices, making it a beneficial t ime to put any extra money to work.

6 . I f you n e ed f in an cia l h e lp , a sk f o r i t

Headlines today can cause concern. If you have doubts about your f inances, there are several free or low-cost resources available to you. DuTrac Community Credit Union has several options that will f it in with your current situation. Stop into one of DuTrac's convenient locations, call (800) 475 .1331 or email: Membe rs@DuTra c.o rg to go over your options today!

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Education...

Wealth Management & InsuranceCalendar of Events Ju ly

1-31 Savasaurus Movie Event (Maquoketa, IA)4 All Offices Closed (Independence Day)27-31 Mini-Grant Giveaway

August

1-14 Mini-Grant Giveaway1-31 Savasaurus Movie Event (Maquoketa, IA) 9 Cubs vs Brewers (Milwaukee, WI)21 Cardinals vs Cubs (Chicago, IL) 27 FCT Estate Planning Seminar (Davenport, IA) 27 FCT Retirement Planning Seminar (Davenport, IA)

Septembe r

7 All Offices Closed (Labor Day)

Octobe r

31 Happy Halloween!

Novembe r

11 All Offices Closed (Veteran's Day)26 All Offices Closed (Thanksgiving Day)

« The 2020 DuTrac Annual Meet ing have been postponed and severa l upcom ing sem inars and t r ip s. These measures have been taken out of respect to federal and state directives for social distancing and the safety of all indi-viduals. Please visit DuTrac.o rg for event details and updated communications.

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. 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. FR-3012819.1-0320-0422

Please contact Erick at (563) 557.5044 or email: ekephar t@FCTrust.com to reserve your seminar seat today!

Fir st Commun it y Tru st & DuTra c – Pa r tne rs in Succe ss!

Davenpor t Area :Thursday, August 27, 2020

Holiday Inn Express401 Veterans Memorial Pkwy | Davenport, IA

Est a te P lann ing : 4:00 - 5:00 PMRe t irement P lann ing : 5:30 - 6:30 PM

Est a te P lann ing - ga in in sigh t in to :• Estate Settlement Overview• Wills vs. Trusts: Which Option to Use• Value of Corporate Executor & Trustee Services

Sign-Up for the Following No-Cost Educational Seminar(s) - Designed Specifically for YOU!Jack Kolker Anna FassbinderTaylor Bahnsen Aliyah WeberPaige Durant Isabella Duccini Blake Hohmann

2020 Scholarship RecipientsSeven 2020 graduates of area high schools were awarded scholarships through DuTrac's 2020 Academic Scholarship Program.

Recipients of a $1000 scholarship were:

• Pa ige Du ran t , graduate of North Scott High School• Taylor B ahnsen , graduate of Midland High School• Ja ck Ko lke r , graduate of Hempstead High School

Recipients of a $500 scholarship were:

• I sabe lla Duccin i , graduate of Senior High School• Anna Fa ssb inde r , graduate of Hempstead High School • B la ke Hohmann , graduate of Hempstead High School• Aliyah Webe r , graduate of Cascade High School

« Application guidelines for 2021 scholarships will be available at DuTra c.o rg in October.

Back to School Mini-Grant GiveawayJu ly 27 – Augu st 14 , 2020

DuTrac hopes to help teachers continue to bring their passion to the classroom where students can come together on projects that fuel their hunger for learning and help them find their path to success.

Beginning July 27, 2020, visit DuTrac.org or any of DuTrac's convenient locations to enter the B a ck t o Sch oo l Min i -Gr a n t G ive away by nominating a teacher for a chance to win one of 26, $150 mini-grants for their classroom!

« Entries must be received by 5 :00 p .m . F r iday, Augu st 14 , 2020 . Complete rules, guidelines and entry requirements will be available at DuTra c.o rg /ba ck -to -sch oo l .

In The Know...

Specific precautions put in place to accommodate reopening include:• All member facing staff are required to wear masks.

• All employees are required to wear a mask while assisting members.

• Teller stations and member facing desks have been provided with clear health barriers.

• Work stations, shared/common areas will be wiped down after each use.

Financia l Upda teDuTrac’s f inancials as of May 31 , 2020 :

Members.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .48,109

Shares.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$724,760,111

Loans.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$653,541,179

Net Wor th .... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$104,423,764

Tota l Asse ts.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$837,085,776

COVID-19 may have impacted you financially. If you are concerned or are experiencing a financial hardship, please reach out to DuTrac staff by phone: (800) 475 .1331 or email: Members@DuTrac.o rg . For general and consumer loan questions email: B u s i n e s s L o a n D e p a r t m e n t @ D u T r a c . o r g f o r the Business Loan Dept. For Mortgages email: R ea lE s ta te@DuTra c.o rg .

Help is always AVAILABLEAVAILABLE

St . Lou is Ca rdina ls vs Ch icago Cubs

« For details, additional information, or to make reservations for upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: ktegeler@DuTrac.org or visit: DuTrac.org/Events.

At ten t ion Membe rs:As part of our effor ts to improve efficiency and reduce costs where possible, DuTrac’s Quarterly Member Newsletter Update anticipates moving to an electronic format b eg in n in g Janua r y 1 , 2021 .

In order to receive an electronic version, please make sure you have provided a valid email for your DuTrac account. I f you need to update or add an email address, please feel f ree to stop into any one of DuTrac’s 13 branch locat ions, call (800 ) 475 . 1331 or email: Membe r s@D uTr a c. o r g .

DuTrac Community Credit Union takes pride in keeping our members up-to-date on news, events, and advice. With our electronic newsletters and website, you’ll be informed all year long!

Mille r Pa rk | Mi lwauke e , WISunday, Augu st 9 , 2020Davenpo r t Depa r t u re$135 pe r pe r son

All aboard as DuTrac heads to Miller Park to watch the Chicago Cubs take on the Milwaukee Brewers - 1:20 PM game!

« Reservations are due by Fr iday, Ju ly 10 , 2020 .

Chicago Cubs vs Milwaukee B rewers

Wr ig le y F ie ld | Ch ica go, I LF r iday, Augu st 21 , 2020Dubuque Depa r t u re$150 pe r pe r son

All aboard as DuTrac heads to Wrigley Field to watch the St. Louis Cardinals take on the Chicago Cubs- 1:20 PM game!

« Reservations are due by F r iday, Ju ly 24 , 2020 .

Purchase Tickets Through DuTrac and Save!DuTrac members can receive substantial savings on tickets at:

• Adventureland• Great America* • Lost Island Water Park

Purchase admission tickets, parking passes, even meal vouchers right from your computer! No lines, no fuss - just easy and convenient!

« For additional information and ticket pricing visit: DuTrac.o rg /jo in . *Temporarily suspended.

Movie EventJu ly 1 – August 31, 2020

With old and new blockbusters hitting the drive-in this summer, it is a perfect way to spend the night with family and friends! Make new memories at Maquoketa's 61 Drive-In Theatre*. Stop by DuTrac's Maquoketa office to pick up your free admission ticket today! (Ticket must be used before August 31, 2020)

« One admission ticket per person/per member. Must be a member of DuTrac Community Credit Union. Ticket limits may apply. *Social distancing guidelines have been put in place.

Re t irement P lann ing - ga in in sigh t in to :• How to Make Your Retirement Savings Last• Investment Strategies - Before & After You Retire• Planning for Social Security

Upcoming Events & Promos...

• H e a l t h • L i f e • A D & D •