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Vehicle Loans


Loan Type
Term
APR*
New Car Loan
2012 or newer
Up to 36 months 2.24%
37-48 months 2.24%
49-66 months 2.74%
67-75 months 3.24%
76-84 months 3.84%
Used Car Loans
2009-2011. Please see team member for older model rates.
Up to 36 months 3.24%
37-48 months 3.74%
49-66 months 4.24%
67-75 months 4.74%
New Boat Loans   5.24%
Used Boat Loans   7.24%
New RV Loans   4.99%
Used RV Loans   7.24%
New Motorcycle Loans   4.49%
Used Motorcycle Loans   5.24%

* 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 March 17, 2014.



Personal Loans


Term
APR*
12-24 months 5.99%
36 months 7.99%
48 months 8.99%
60 months 10.99%
Personal Line of Credit 7.99%

* 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 March 17, 2014.



Home Equity Loan/Line


Product
Term
APR*
EP**
Home Equity Loan
0%-80% Loan-to-Value
5 years 4.24% $18.76
7 years 5.24% $14.13
10 years 5.99% $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 March 17, 2014.
** EP = Estimated payment per $1,000 borrowed.



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 March 17, 2014.



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 15, 2013
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
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/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.



Business Fee Schedule


The following fees may be assessed against your account. Effective July 1, 2013
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
Gift Checks $3.00/check
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
$15.00/item
$30.00/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
Travelers Checks Free
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.