DEXSTA Federal Credit Union


Overview / Commentary
302-571-0522
300 Foulk Rd Suite 100
Wilmington, DE 19803

DEXSTA Federal Credit Union is headquartered in Wilmington and is the 4th largest credit union in the state of Delaware. It is also the 818th largest credit union in the nation. It was established in 1937 and as of June of 2023, it had grown to 60 employees and 36,573 members at 5 locations. DEXSTA Federal Credit Union's CD rates are 6X the national average, and it has a C+ health rating.

Field of Membership Restrictions

DEXSTA Federal Credit Union offers membership to those who live, work, worship, attend school, or volunteer in Kent County or New Castle County, Delaware, or in Cecil County, Maryland.
See current membership details

Related Posts

DEXSTA Federal Credit Union Long-Term CDs Have Rate-Leading APYs - 8/14/2023

DEXSTA Federal Credit Union (DE/MD) long-term Certificates have rate-leading APYs. $1k minimum opening deposit. Also available as rate-leading IRA CDs.

DEXSTA Federal Credit Union 60-Month CD Offers Rate-Leading APY - 5/16/2023

DEXSTA Federal Credit Union (DE/MD) 48-month and 60-month Certificates have very competitive APYs. $1k minimum opening deposit. Also available as IRA CDs.

View all posts from:


Reviews (3)

Is It Possible To Love A Bank? Only If It's A Credit Union

I've been a member of Dexsta since the early 2000's. I believe my mom has been a member since 1990. We love Dexsta! I briefly left Dexsta to join Commerce Bank (RIP) when I was in college but then came running back to Dexsta when Commerce was bought out by TD North (awful bank!)

I moved to the Dallas, Texas region this year and was worried I wouldn't be able to keep my Dexsta bank very easily (they are not in the shared branching network of unions). I opened up an account at a local bank called ViewPoint (only one I could find in my area close to me with good reviews) for whenever I need to deposit cash.

Anyhow, Dexsta finally joined the modern world with remote deposit for checks! Yay! I am SO happy I can keep them now. They have the best loan rates and credit card rates, they treat you like family on the phone and I've never had any security issues with my card or their website (even though it's old-school-looking). There's no min checking balance (there shouldn't be for a credit union!) and deposits and withdrawals are nearly instant on the website. It's easy to join, you just have to live or work in DE and if you end up moving like I did, you still get to keep them. I plan on getting a car through them at some point. Their mobile deposit system works pretty quickly (two-three days is better than mailing a check and hoping it gets there safely). I highly recommend them for all your banking needs. The only other credit union you should consider is Louviers (they are a shared branch union btw).

My only negative mark is they are not part of the shared branching network of credit unions so that I can make cash deposits from another CU in the network, but it's ok.

CD Rate Worth The Effort For This Retiree

Posted by: |

As one who has been chasing rates for my IRAs over the past several years, having to visit the brick and mortar to open an account was inconvenient. However, the 3.29% APY on a 5 year with the ability to add on IRA transfers over the term, was a winner for me. Furthermore, the customer service couldn't have been better. Initial telephone inquiries and face-to-face contact rate superior among my experiences.

Elderly Beware

We went to open a joint CD at Dexsta. We put our son as beneficiary. We were informed that if we both should die, he would get the CD BUT if he withdraws it before the maturity date he would have to pay a 180 day penalty. None of our other banks have this policy. PLUS Dexsta does a hard pull from Experian and Chexsystem. WE HATE Chexsystem with a passion. Our credit score is 800+. We’ve never been overdrawn or had a late payment yet our Checksystem score is 640. We avoid banks and credit unions that use Chexsystem.



Health
C+

Health Grade Components

Overall
NCUA #2187
Year Chartered1937
Employees60
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD7.27%
Annual Interest Income$7.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$413.4MM$409.8MM
LoansQ2 2023vs Q2 2022$290.0MM$269.0MM
DepositsQ2 2023vs Q2 2022$373.3MM$383.3MM
Equity CapitalQ2 2023vs Q2 2022$21.5MM$23.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.6MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$2.3MM$1.6MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not DEXSTA Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

DEXSTA Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--No Term IRAs
0.25%*$40k*-Regular Share Savings
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $40k
0.25%*$40k*-Holiday Club Account
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $40k
0.25%*$40k*-Special Share Savings
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $40k
0.10%--Kasasa Saver

DEXSTA Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$75k*-Money Market
OTHER TIERS: 0.50% $5k - $25k | 0.65% $25k - $50k | 0.75% $50k - $75k

DEXSTA Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$10kKasasa Cash
OTHER TIERS: 0.10% $10k+
0.05%--Share Draft Checking

DEXSTA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.90%$1k-36 Month Certificate
5.64%$1k-24 Month Certificate
5.64%$1k-48 Month Certificate
5.38%$1k-18 Month Certificate
5.38%$1k-60 Month Certificate
5.12%$1k-12 Month Certificate
1.51%$1k-6 Month Certificate

DEXSTA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.90%$100-36 Month IRA Certificate
5.64%$100-24 Month IRA Certificate
5.64%$100-48 Month IRA Certificate
5.38%$100-18 Month IRA Certificate
5.38%$100-60 Month IRA Certificate
5.12%$100-12 Month IRA Certificate
1.51%$100-6 Month IRA Certificate
Locations


DEXSTA Federal Credit Union Locations
Branch Office300 Foulk Rd Suite 100Wilmington, DE 19803
Branch Office1310 Centerville RdWilmington, DE 19808
Branch Office110 Sandhill DrMiddletown, DE 19709-5806
Branch Office1 Possum Park RdNewark, DE 19711
Branch Office118 Jestan BlvdNew Castle, DE 19720

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.