Certificates, IRAs and ESAs

The rates and conditions below are applicable to all of our certificates at the Credit Union. Rates and Fees are accurate as of the effective date. The Credit Union reserves the right to amend conditions. Each applicant agrees to these terms at the time he or she opens a certificate. Potential members or current members may receive disclosure forms at any time upon request.

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Rate Information and Nature of Dividends

Rates are fixed for the Regular Share Certificates and IRA and ESA Certificates. Dividends are paid from available earnings. The APY (annual percentage yield) is a projected rate that takes into consideration the effect monthly compounding has on the dividend rate. If dividends are withdrawn and not added to principal, you will not earn the projected APY.

Compounding and Crediting

All Dividends on the 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 night of the 15th. 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.

Accrual of Dividends

Dividends begin to accrue on the day deposits are received. If you close an account, dividends will be paid as of that date.

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.

Additional Deposits

You may not add deposits during certificate terms for regular certificate account types. IRA and ESA certificates allow additional deposits during the certificate term. IRA and ESA deposits may include annual contributions, rollovers, and transfers.

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, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (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 59 ½ or becomes disabled.

Maturity Notices

Your certificate will renew automatically unless we hear from you. You will receive a maturity notice at least 10 days before this account matures. Your certificate balance will automatically renew at the same term and at the current interest rate per our Rate and Fee Schedule.


Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the credit union.

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