Vehicle Loans


Loan Type
Term
APR*
New Car Loan Up to 36 months 2.24%
37-48 months 2.24%
49-66 months 2.24%
67-75 months 2.99%
76-84 months 4.24%
Used Car Loans
2011-2015. Please see team member for older model rates.
Up to 36 months 2.24%
37-48 months 2.24%
49-66 months 2.24%
67-75 months 2.99%
New Boat Loans   5.24%
Used Boat Loans   7.24%
New RV Loans   5.49%
Used RV Loans   6.49%
New Motorcycle Loans   3.64%
Used Motorcycle Loans   4.64%

* 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 are effective August 27, 2015.



Personal Loans


Term
APR*
12-24 months 7.49%
36 months 8.49%
48 months 9.49%
60 months 10.99%
Personal Line of Credit 9.99%

* 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 are effective August 27, 2015.



Home Equity Loan/Line


Product
Term
APR*
EP**
Home Equity Loan
0%-80% Loan-to-Value
5 years 3.99% $18.76
7 years 4.49% $14.13
10 years 4.99% $10.85
Home Equity Line of Credit Open 3.25% --

* 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 effective August 27, 2015.
** EP = Estimated payment per $1,000 borrowed.



Current Mortgage Rates

Term
Rate
APR*
EP**
30 years 3.875 4.038% $940.47
20 years 3.750 3.976% $1185.78
15 years 3.125 3.411% $1393.22
10 years 3.125 3.541% $1942.78
5/1 Arm 3.500 3.426% $898.09
7/1 Arm 3.500 3.472% $898.09

* 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 effective August 27, 2015.

** EP = estimated payment. Estimated payments are based on a loan amount of $200,000.00. Your actual payment may vary due to your credit profile.

The above rates and APR assumes the purpose of the loan is to purchase a property or refinance an existing home loan, with a loan amount of $200,000 and an estimated property value of at least $250,000, amounting to a down payment of 20% or more with a credit score of 740 or above. APR assumes the following costs, 1 point origination fee, and other applicable costs. The subject property would be an existing single family home and will be used as a primary residence. The rate lock period is 45 days. The maximum loan amount for conforming mortgage for a primary residence single unit home is $417,000. Mortgages at or below that amount may be considered conforming so long as other Fannie Mae criteria are met. Rate quotes are not guaranteed. Loans above 80% LTV may require private mortgage insurance.

Interest rates and APR shown are for sample purposes only and are subject to change without notice. Estimated payment is principal and interest only, taxes and insurance are not included.

ARM Disclosures:
5/1 Arm: EP is for years 1-5, rate is index on Libor plus margin of 2.25%, rate cap 2/2/6.
7/1 Arm: EP is for years 1-7, rate is index on Libor plus margin of 2.25%, rate cap 5/2/5.


Private Education Loans


Loan Type
Term
APR*
Undergrad Private Education Loan 15 years 5.50%
Graduate Private Education Loan 15 years 5.50%
K-12 Private Education Loan 15 years 8.00%

* APR = Annual Percentage Rate. APR varies according to the US Prime Rate. Rates are subject to change. APRs are as low as the rates advertised above. Your APR may vary based upon individual credit profile. Rates are effective August 27, 2015.



Personal Account Interest Rates


Account Type
Balance/Term
Rate
APY*
Share Savings
including Club Accounts,
Special Shares & No Term IRAs
Below $5000 0.05% 0.05%
$5,000-$39,999.99 0.05% 0.05%
$40,000 and over 0.05% 0.05%
Share Draft (Checking) All Balances 0.05% 0.05%
Money Market $5,000-$24.999 0.15% 0.15%
$25,000-$49,999 0.25% 0.25%
$50,000-$74,999 0.25% 0.25%
$75,000 + 0.25% 0.25%
Regular Certificates
Minimum Balance $1,000
6 months 0.10% 0.10%
12 months 0.20% 0.20%
18 months 0.45% 0.45%
24 months 0.70% 0.70%
36 months 0.95% 0.95%
48 months 0.95% 0.95%
60 months 0.95% 0.95%
IRAs
Minimum Balance $100
6 months 0.10% 0.10%
12 months 0.20% 0.20%
18 months 0.45% 0.45%
24 months 0.70% 0.70%
36 months 0.95% 0.95%
48 months 0.95% 0.95%
60 months 0.95% 0.95%

* 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. Rates are effective March 1, 2013.

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.



Fee Schedule


The following fees may be assessed against your account. Effective February 15, 2015
Account Reconciliation/Research $10.00/half hour
Account History/Statement Copy $2.00/page
Account Servicing: Garnishments, Levies, Writs $50.00/item
ACH Manual Processing $5.00/item received
Bad Address Fee $10.00/statement
Check Cashing Fee - Member $3.00/item
Check Cashing Fee - Nonmember $5.00/item
Close account in less than 3 months from open date $5.00
Deposit Item Returned $30.00/member item
$10/third party item
Escheat Administration $50.00/account
IRA Outgoing Transfer $50.00
NSF Fee (including ACH returns) $30.00
Overdraft-Automatic Transfers (over 3 per month) $5.00/ transfer
Overdraft Privilege - Paid Item - WHOA Fee $30.00
Stop Payment Fee $30.00
Share Draft Printing vary by style
Share Draft/Check Copy $3.00/item
Special Handling - i.e. Rush Delivery $25.00/order
Withdrawals - Money Market only (over 3 per month) $15.00/item
Cashiers Checks (after 1 free per day) $4.00/check
Money Orders $4.00/item
Loan Payment by Phone (using a credit card) $10.00/payment
Plastic Cards:
  Replacement except defective card
  Special Delivery (3 days)
  Rush Special Delivery
  PIN Change
$5.00/item
$30.00/item
$60.00/item
$5.00/item
Signature Guarantee $10.00/document
Subordination Agreement Processing $100.00
Travelers Checks Free
Gift Checks $3.00 each
Visa Gift Cards $3.00 each
Wire Transfers - incoming (domestic & foreign) $10
Wire Transfers - outgoing (domestic) $15.00
Wire Transfers - outgoing (foreign) $35.00

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 $1.00 per transaction will be charged.

All Deposits through and ATM are free.

All Point-of-sale transactions are free.


Click here for a printable Dividend Rates and Fees Schedule.
Click here for our Truth-in-Savings Account Disclosure



Business Fee Schedule


The following fees may be assessed against your account. Effective April 30, 2014
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 Reconciliation/Research $10.00/half hour
Account History/Statement Copy $2.00/page
Account Servicing: Garnishments, Levies, Writs $50.00/item
ACH Manual Processing $5.00/item received
Bad Address $10.00/statement
Cashiers Checks (after 1 free per day) $4.00/check
Check Cashing - Member $3.00/item
Check Cashing - Nonmember $5.00/item
Close account - less than 3 months $5.00
Deposit Item Returned (includes ACH originations) $30.00/member item
$10/3rd party item
Escheat Administration $50.00/account
Money Orders $4.00/item
NSF Fee (includes ACH returns) $30.00
Overdraft-Automatic Transfers (over 3 per month) $5.00/ transfer
Plastic Cards:
  PIN Change
  Replacement (except defective card)
  Special Delivery (3 days)
  Rush Special Delivery
$5.00/item
$5.00/item
$30.00/item
$60.00/item
Share Draft Printing vary by style
Share Draft/Check Copy $3.00/item
Special Handling - i.e. Rush Delivery $25.00/order
Stop Payment Fee $30.00
Signature Guarantee $10.00/document
VISA Gift Cards $3.00/card
Withdrawals - Money Market only (over 3 per month) $15.00/item
Wire Transfers - incoming (domestic & foreign) $10
Wire Transfers - outgoing (domestic) $15.00
Wire Transfers - outgoing (foreign) $35.00
ATM Transactions:
Member reponsible for any surcharges levied by other ATM owners
  DEXSTA FCU ATMs
  Foreign ATMs (first 6 transactions are free)
  ATM Deposits
  Point-of-Sale Transactions
FREE
$1.00/transaction
FREE
FREE

Click here for a printable Business Dividend Rates and Fees Schedule.
Click here for the Business Membership & Account Agreement.


Truth-In-Savings Account Disclosure

(Click here for a printable version of this document)

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 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.
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.
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.