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 765th largest credit union in the nation. It was established in 1937 and as of December of 2023, it had grown to 66 employees and 37,590 members at 6 locations. DEXSTA Federal Credit Union's CD rates are 5X the national average, and it has a B 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 (4)

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.

DEXSTA Are Scam Artists

Posted by: |

I got a car loan thru DEXSTA and have insurance on the car. when I purchased the car from the dealer,at the time I assumed the dealer called my insurance company to add the car. That is the experience I had with all the other cars I have purchased. In July, I received an email to show them that I had insurance, which I did. There was apparently 2 months that I didn't have insurance, so in July they charged me $1200 for insurance for May and June( after the fact and $1200 for 2 months. I am being charged and extra $138 a month in my payment for the next 10 months). Even if it was legit, $1200 for 2 months? They can't charge for insurance for months that have past. I now have a complaint with the Delaware State Insurance Commissioner.

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

Health Grade Components

Overall
NCUA #2187
Year Chartered1937
Employees66
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD6.21%
Annual Interest Income$16MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$454.6MM$410.1MM
LoansQ4 2023vs Q4 2022$278.7MM$288MM
DepositsQ4 2023vs Q4 2022$371.5MM$371.5MM
Equity CapitalQ4 2023vs Q4 2022$24.6MM$20MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.9MM$2.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.6MM$2.9MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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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
4.59%$1k-18 Month Certificate
4.33%$1k-12 Month Certificate
4.07%$1k-24 Month Certificate
3.82%$1k-36 Month Certificate
3.56%$1k-48 Month Certificate
3.30%$1k-60 Month Certificate
1.00%$1k-6 Month Certificate

DEXSTA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.59%$100-18 Month IRA Certificate
4.33%$100-12 Month IRA Certificate
4.07%$100-24 Month IRA Certificate
3.82%$100-36 Month IRA Certificate
3.56%$100-48 Month IRA Certificate
3.30%$100-60 Month IRA Certificate
1.00%$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
Branch Office975 E Pulaski HwyElkton, MD 21921-6357

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