 |
Vehicle Loans
* 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 May 1, 2013.
Personal Loans
| Term |
APR* |
| 12-24 months |
3.99% |
| 36 months |
5.99% |
| 48 months |
7.99% |
| 60 months |
9.99% |
| Personal Line of Credit |
5.99% |
* 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 May 1, 2013.
Home Equity Loan/Line
* 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 May 1, 2013.
** EP = Estimated payment per $1,000 borrowed.
Current Mortgage Rates
| Term |
Rate |
APR* |
| 10 years |
3.75 |
3.827% |
| 15 years |
4.00 |
4.057% |
* 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 May 1, 2013.
Private Education Loans
| Loan Type |
Term |
APR* |
| Undergrad Private Education Loan
| 15 years |
5.00% |
| Graduate Private Education Loan
| 15 years |
5.00% |
| K-12 Private Education Loan
| 15 years |
7.00% |
* 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
May 1, 2013.
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.
Fee Schedule
The following fees may be assessed against your account. Effective February 1, 2012
| Account Reconciliation/Research |
$10.00/half hour |
| Account History/Statement Copy |
$2.00/page |
| Account Servicing: Garnishments, Levies, Writs |
$50.00/item |
| Bad Address Fee |
$5.00/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 |
$10.00/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 |
Plastic Cards:
Replacement except defective card
Special Delivery (3 days)
Rush Special Delivery
Loan Payment by phone
PIN Change |
$5.00/item
$15.00/item
$30.00/item
$10.00/payment
$5.00/item |
| Signature Guarantee |
$10.00/item |
| Subordination Agreement Processing |
$75.00 |
| 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.
|
|
|
