All DEXSTA Offices will be closed on Monday, November 11th, 2024 in Observance of Veterans Day.

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With DEXSTA’s debt consolidation options, we can help you get back in control and start saving.

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Loan and Interest Rates

We offer competitive rates and a wide variety of loan products to meet all your financial needs. Wherever you’re headed, DEXSTA Federal Credit Union will get you there.

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Loan Rates

Rates effective October 9, 2024

LOAN TYPETERMAPR*
New Car
Model Years 2023 and newer
Up to 48 months
49-66 months
67-75 months
76-84 months
6.24%
6.24%
6.24%
6.99%
Used Car
Model Years 2020-2022
Up to 48 months
49-66 months
67-75 months
76-84 months
6.74%
6.74%
6.74%
6.99%
Used Car Loans
Model Years 2015-2016
Up to 66 months9.24%
New Motorcycle
Model Years 2024–2022
Up to 48 months
49-66 months
67-75 months
9.25%
9.49%
10.00%
Used Motorcycle
Model Years 2021–2018
Up to 48 months
49-66 months
67-75 months
9.74%
9.99%
10.49%
New and Used Boat/RV Loans
Model Years 2024–2016
Up to 48 months
49-66 months
67-75 months
76-84 months
85-120 months
121-180 months
7.00%
7.25%
7.75%
8.25%
9.75%
10.75%

*APR = Annual Percentage Rate
APRs are as low as the rates advertised above. Your APR may vary based upon individual credit profile and loan amount to value. See a Loan Officer for more details. Rates are subject to change.

Rates effective March 4, 2024

TERMAPR*
Up to 24 months9.75%
25-36 months10.25%
37-48 months10.74%
49-60 months11.25%
61-72 months11.75%
Personal Line of Credit12.40%

*APR = Annual Percentage Rate
APRs are as low as the rates advertised above. Your APR may vary based upon individual credit profile. See a Loan Officer for more details. Rates are subject to change.

Rates effective March 4, 2024

LOAN TYPETERMAPR*EP**
Home Equity Loan – 1st Lien5 years
8 years
10 years
15 years
20 years
6.24%
6.49%
6.74%
6.99%
8.24%
$19.45
$13.39
$11.49
$8.99
$8.52
Home Equity Loan – 2nd Lien
80% Loan-to-Value
5 years
8 years
10 years
15 years
6.49%
6.74%
6.99%
7.24%
$19.57
$13.51
$11.61
$9.13
Home Equity Loan – 2nd Lien
85% Loan-to-Value
5 years
8 years
10 years
15 years
6.99%
7.24%
7.49%
7.74%
$19.81
$13.76
$11.87
$9.42
Home Equity Loan – 2nd Lien
95% Loan-to-Value
5 years
8 years
10 years
15 years
7.49%
7.74%
7.99%
8.24%
$20.04
$14.01
$12.14
$9.70
Home Equity Line of CreditOpen8.50%

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*APR = Annual Percentage Rate
APRs are as low as the rates advertised above. Your APR may vary based upon individual credit profile and loan amount to value.

** EP = Estimated Payment
Cost per thousand borrowed. See a Loan Officer for more details. Rates are subject to change. 

Interest Rates and Fee Schedule

Rates effective November 1, 2024

ACCOUNT TYPEBALANCE/TERMRATEAPY*
Share Savings
including Club Accounts
& Special Shares

No Term IRAs
$.01-$4,999,99
$5,000-$39,999.99
$40,000 and over

All Balances
0.10%
0.15%
0.20%

0.25%
0.10%
0.15%
0.20%

0.25%
Kasasa Saver$.01 – $10,000.00
$10,000.01 and over
All balances if qualifications not met**
0.10%
0.10%
0.05%
0.10%
0.10%-0.10%
0.05%
High Yield SavingsBelow $10,000.00
$10,000.00-$49,999.99
$50,000.00-$99,999.99
$100,000.00-$199,999.99
$200,00.00-$499,999.99
0.00%
0.50%
0.75%
4.25%
4.25%
0.00%
0.50%
0.75%
4.33%
4.33%
Kasasa Cash$.01 – $10,000.00
$10,000.01 and over
All balances if qualifications not met**
2.00%
0.10%
0.05%
2.02%
2.02-0.27%
0.05%
Kasasa Cash BackAll balances0.00%0.00%
Share Draft (Checking)All balances0.05%0.05%
Money MarketBelow $5,000.00
$5,000.00-$24,999.99
$25,000.00-$49,999.99
$50,000.00-$74,999.99
$75,000.00 and over
0.00%
0.50%
0.65%
0.75%
0.90%
0.00%
0.50%
0.65%
0.75%
0.90%
InsuranceAll balances0.00%0.00%
Regular Certificates
Minimum Balance $1,000
6 months
12 months
18 months
24 months
36 months
48 months
60 months
1.00%
4.25%
4.50%
4.00%
3.75%
3.50%
3.25%
1.00%
4.33%
4.59%
4.07%
3.82%
3.56%
3.30%
IRA/ESA
Minimum Balance $100
6 months
12 months
18 months
24 months
36 months
48 months
60 months
1.00%
4.25%
4.50%
4.00%
3.75%
3.50%
3.25%
1.00%
4.33%
4.59%
4.07%
3.82%
3.56%
3.30%

*APY = Annual Percentage Yield
Yields are subject to change without notice. Please contact a Credit Union Member Service Representative for the most current rates. Penalties apply for early withdrawal on certificates.

**Kasasa Account Monthly Qualifications
• Make 12 debit card purchases that post to account
• Enroll in and log into online banking
• Enroll and agree to receive eStatements

Early Withdrawal Penalties: You may be assessed a penalty if you withdraw any of the principal before the maturity date. If dividends have already been paid, the penalty will be deducted from principal.

Penalties are as follows:
6 Months: 6-Month Certificates have a penalty equal to the lesser of two amounts: Dividends since the date of issuance or 90-days dividends.
12 Months or more: Regular Share Certificates and IRA Certificates with a term of 12 months or more have a penalty equal to the lesser of two amounts: Dividends since the date of issuance or 180 days dividends.

Exceptions for Early Withdrawal Penalties: At our option, DEXSTA may pay the account before maturity without imposing an early withdrawal penalty under the following circumstance:
(1) When an account owner dies or is determined incompetent by a court or other body of competent jurisdiction.
(2) Where the account is an Individual Retirement Account and any portion is paid within 7 days after establishment; or, where the account is an IRA and the owner attains age 59½ or becomes disabled.

The following fees may be assessed against your account. 
Rates effective November 1, 2024

TYPEFEE
Account Reconciliation/Research$10.00/half hour
Account History$2.00/page
Account Servicing
Garnishments, Levies, Writs
$50.00/item
ACH Manual Processing$5.00/item received
ATM Transactions
DEXSTA FCU ATMs
Foreign ATMs (first 6 transactions are free)
ATM Deposits
Point-of-Sale Transactions
Member responsible for any surcharges levied by other ATM owners

FREE
$2.00/transaction
FREE
FREE
Cashier’s Check
after 1 free per day
$5/check
Cashier’s Check Reissue$10.00
Check Cashing Fee
Non-member
$5.00/item
Close account
in less than 3 months from open date
$10.00
Deposit Item Returned
includes ACH, checks, and online loan payments
$20.00/member item
Inactivity Fee
after 2 years of inactivity
$5.00/month
IRA Outgoing Transfer$10.00
Loan Payment and Cash Advance Using Third-Party Card$10.00/payment
Notary Service$5.00/document
NSF Fee
including ACH returns
$20.00
Overdraft
Automatic Transfers (over 3 per month)
$5.00/ transfer
Overdraft Privilege
Paid Item – WHOA Fee
$20.00
Plastic Cards
Replacement (except defective card)
Special Delivery (3 days)
Rush Special Delivery
PIN Change

$5.00/card
$30.00/card
$60.00/card
$5.00/card
Share Draft Printingvary by style
Share Draft/Check Copy$3.00/item
Signature Guarantee$10.00/document
Skip-A-Loan Payment Fee$30.00/loan
Special Handling
i.e. Rush Delivery
$25.00/order
Statement Copy$5.00/statement
Stop Payment Fee$20.00
Subordination Agreement Processing$100.00
Undeliverable Statement Fee$10.00/statement
Wire Transfers
Incoming – Domestic & Foreign
$10.00
Wire Transfers
Outgoing – Domestic
$25.00
Wire Transfers
Outgoing – Foreign
$50.00
Wire Transfers
Return Fee
$10.00
Withdrawals
Money Market only (over 3 per month)
$15.00/item
Withdrawals
High Yield Savings Only (over 1 per month)
$25/item
Minimum Balance
High Yield Saving Only (less than $10,000)
$25/month

PRINT PERSONAL FEE SCHEDULEPRINT TRUTH-IN-SAVINGS DISCLOSURE

ATM Transactions
All transactions at DEXSTA FCU ATMs are free. Member is responsible for any surcharges levied by other ATM owners.
At foreign ATMs, the first 6 transactions per month are free. Thereafter $2.00 per transaction will be charged.
All Deposits through any ATM are free.
All Point-of-sale transactions are free.

The following fees may be assessed against your account. 
Rates effective November 1, 2024

TYPEFEE
DEXSTA Advanced Checking
Monthly Fee
Transaction fee (first 75 free)

$0
$0.25/transaction
DEXSTA Preferred Checking
Monthly Fee (waived with $1000 average daily balance)
Transaction fee (first 250 free)

$25
$0.25/transaction
Account Servicing
Garnishments, Levies, Writs
$50.00/item
Account Reconciliation/Research$10.00/half hour
Account Servicing
Garnishments, Levies, Writs
$50.00/item
ACH Manual Processing$5.00/item received
ATM Transactions
DEXSTA FCU ATMs
Foreign ATMs (first 6 transactions are free)
ATM Deposits
Point-of-Sale Transactions
Member responsible for any surcharges levied by other ATM owners.

FREE
$2.00/transaction
FREE
FREE
Cashier’s Checks
after 1 free per day
$5.00/check
Cashier’s Check Reissue Fee$10.00
Check Cashing
Non-member
$5.00/item
Close account
in less than 3 months from open date
$10.00
Deposit Item Returned
includes ACH, checks, and online loan payments
$20.00/member item
Inactivity Fee
after 2 years of inactivity
$5/month
Notary Service$5.00
NSF Fee
includes ACH returns
$20.00
Overdraft-Automatic Transfers
over 3 per month
$5.00/ transfer
Overdraft Privilege
Paid Item – WHOA Fee
$20.00
Plastic Cards
PIN Change
Replacement (except defective card)
Special Delivery (3 days)
Rush Special Delivery

$5.00/card
$5.00/card
$30.00/card
$60.00/card
Share Draft Printingvary by style
Share Draft/Check Copy$3.00/item
Signature Guarantee$10.00/document
Skip-A-Loan Payment Fee$30/loan
Special Handling
i.e. Rush Delivery
$25.00/order
Statement Copy$5.00/statement
Stop Payment Fee$20.00
Undeliverable Statement Fee$10.00/statement
Wire Transfers
Incoming – Domestic & Foreign
$10.00
Wire Transfers
Outgoing – Domestic
$25.00
Wire Transfers
Outgoing – Foreign
$50.00
Wire Transfers
Return Fee
$10.00
Withdrawals
Money Market only (over 3 per month)
$15.00/item
Withdrawals
High Yield Savings Only (over 1 per month)
$25/item
Minimum Balance
High Yield Savings Only (less than $10,000)
$25/month

PRINT BUSINESS FEE SCHEDULE

Rate Information and Nature of Dividends:
Rates are subject to change as determined by the Board of Directors. Dividends are paid from available earnings. The Credit Union anticipates paying the dividend rates on the table. The APY (annual percentage yield) is a projected rate that takes into consideration the effect monthly compounding has on the dividend rate. Regular Share Certificates and IRA certificates have fixed rates. If dividends on these certificates are withdrawn and not added to principal, you will not earn the projected APY.

Compounding and Crediting:
Shares: All dividends on shares will be compounded monthly. The dividend period will be from the first to the last day of each month. Dividends are calculated on the last day of each month and will be credited to your account on that day.
Certificates: All dividends on certificates will be compounded monthly. The dividend period will be from the 16th of each month to the 15th of the next month. Dividends are calculated and posted to your account on the 16th. An option exists for dividends to be credited monthly or at maturity on a six-month certificate. The dividend period for this option is the term of the certificate.

Balance Computation Method:
DEXSTA uses the daily balance method to determine the balance on which dividends are paid. A daily periodic rate is applied to the full amount of principal, based on the effective date of transactions, daily in each share. A minimum balance of $5 is required in the prime share as a condition of membership. DEXSTA imposes a minimum balance requirement on the Money Market of $5,000. The dividend penalty rate for Money Market balances below the minimum will be set at ½ percent below the share rate with a minimum of 0.00%.

Accrual of Dividends:
Dividends begin to accrue on the effective date of deposits received. If you close an account prior to the end of a dividend period, dividends will be paid through the closed date.

Account Information:
Holiday Club: The entire balance of this share will be transferred on the first banking day in October, and the account will remain open. If you withdrawal any funds prior to the October transfer, we will close your Holiday Club and pay you the full balance. You may make transfers or withdrawals in the first seven days after the share is opened without restriction.
Money Market: This is not intended to be a transaction account. You may only make three withdrawals of any kind, including a share draft clearing, from your Money Market during any month. The penalty indicated on the fee schedule will be charged for each withdrawal beyond three.
Shares: All Shares excluding Share Drafts are limited to six total transactions per month by any combination of: Overdraft transfers, ACH Debits, ATM / POS withdrawals, checks, and transfers to other shares by home banking or phone, including Touch Tone Teller.

Certificate Information:
Additional Deposits: You may only make deposits during IRA certificate terms.
Maturity Notices: Your certificate may renew automatically; you will receive a maturity notice at least 10 days before it matures. Upon maturity, if we do not hear from you, your certificate balance will be transferred to the share selected at time of purchase.
Grace Period: You will have a grace period of seven days to withdrawal funds in the account without being charged an early withdrawal penalty. Dividends will be paid at the renewal dividend rate on withdrawals made during the seven day grace period.
Non-transferable/Non-negotiable: Your account is non-transferable and non-negotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with DEXSTA.

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