Community is central to who we are at DEXSTA. Since our founding members first created an alternative to corporate banking, we’ve stuck by our “people-helping-people” commitment. What our community members want is a full-service financial institution they can trust. There are some obvious credit union perks, like less fees and lower rates. But to us, that’s just the start.

Credit Unions Tend to Offer Lower Fees Than Banks

According to a Benefits of Membership Report by the Credit Union National Association, the average late fee is about $10 less with a credit union than a bank. Banks also charge higher fees all around: on opening an account, ATM transactions, balance transfers, and cash advances. These costs can add up. At DEXSTA, we never charge our members unnecessary fees. And by giving back, we invest in our community’s financial future. 

High-Interest Rate Checking Accounts

To us, simply eliminating fees isn’t enough. We offer zero up-front or ongoing charges for our Free Kasasa Cash Back account, Free Kasasa Cash account, and Free Kasasa Saver accounts. There is no minimum deposit requirement to open, no monthly service fees, and refunds on ATM fees nationwide (up to $25 per month). You won’t find any gimmicks with us. It makes good sense that as you save money, you should earn it through competitive high-yield interest rates. Our Kasasa Cash Back account offers 3.00% cashback on debit card purchases. The Kasasa Cash account affords similar benefits: 1.00% APY on balances up to $10,000, a free debit card, and unlimited check writing. 

Enjoy Credit Union Perks Like No-Hassle Loans

With loans, you can stand to save the most with a credit union.  DEXSTA’s low APR and interest-rate cap at 18% means that integrity is built into our lending agreements. We also aim to approve and fund loans within 1-3 business days, so you get the funding you need fast. Whether you’re looking for a home loan or to make a new car purchase, we provide an array of fair loan rates and flexible terms to suit your lifestyle and needs. 

Community Giving and Financial Literacy

Charitable giving and financial literacy programs are the cornerstones of how we invest in the community. Because we are a not-for-profit, we give back in ways that impact our members. DEXSTA supports Sunday Breakfast Mission, Ronald McDonald House, and local charities like The Boys and Girls Club. Our rich library of financial literacy resources also helps members take control of their money and plan for the future. 

Become a Member and Enjoy the Credit Union Perks

Lastly, membership is the most significant step to enjoying our credit union perks. Our members enjoy reasonable borrowing rates, simple savings accounts, and above all, flexibility. Anyone who lives, works, worships or attends school in New Castle County, Delaware, Kent County, Delaware, and Cecil County, Maryland, is eligible to become a DEXSTA member. If you need a mortgage loan, want to remodel your home, or need a personal loan to achieve your goals, become a member today!