Savings & Share Accounts

DEXSTA has several different savings options available:
  • Regular Share Savings
  • Share Draft (Checking)
  • Holiday Clubs
  • Special Savings
  • IRAs/ESAs
  • Money Market Accounts
  • Share Certificates
  • Savings Bonds

The rates and conditions below are applicable to all of our accounts at the Credit Union and are accurate as of the effective date. The Credit Union reserves the right to amend this schedule. Each applicant agrees to these terms at the time he or she becomes a member. Potential members or members may receive disclosure forms at any time upon request.

Click here for current interest rates.

Savings Bonds Calculator and Information: Click here

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 above. The APY (annual percentage yield) is a projected rate that takes into consideration the effect monthly compounding has on the dividend rate.

Compounding and Crediting: All Dividends on the accounts listed above will be compounded monthly. The dividend period will be the first of each month 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 the last day of the month.

Accrual of Dividends: Dividends begin to accrue on the day we receive your deposit. If you close an account, dividends will be paid as of that date.

Minimum Balance: DEXSTA FCU imposes no minimum balance requirements. The Money Market account has a $5,000 minimum balance requirement to earn dividends. $5 is always required in the share account as a condition of membership.

Daily Balance Computation Method: DEXSTA FCU uses the daily balance method to calculate dividends, which takes a daily periodic rate multiplied by your account balance for each day.

Holiday Club: For this account, the entire balance will be transferred to your share account on the First Banking Day in October, and the account will remain open. If you withdraw any of the account balance at any time, we will close your Holiday Club account and pay you the full balance. You may make transfers or withdrawals in the first seven days after the account is opened without restriction.

Money Market: This is not intended to be a transaction account. You may make only three withdrawals of any kind from your money market account during any month. The penalty indicated on the fee schedule will be charged for any withdrawals beyond three. Share drafts will count as a withdrawal during the month they clear the account. 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: IRA and ESA certificates allow additional deposits such as contributions, rollovers, and transfers throughout the certificate term.
Maturity Notices: Your certificate will 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 renew at the current interest rate posted on the Rate and Fee Schedule.
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.