DEXSTA Federal Credit Union Offers 3.29% APY On 60-Month CD


Deal Summary: CDs – 48-month (3.04% APY) and 60-month (3.29% APY), $1k minimum deposit

Availability: Residents of New Castle County (DE) and Cecil County (MD).

DEXSTA Federal Credit Union (DEXSTA) has two competitive long-term CDs: 48-month (3.04% APY) and 60-month (3.29% APY). The minimum opening deposit for either CD is $1k, with no stated balance cap.

Both CDs are also available as IRAs (Traditional and CESA), earning the same APYs with the same funding requirements.

As stated on the Certificates, IRAs and ESAs page, the Early Withdrawal Penalty reads as follows:

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.


Headquartered in Wilmington, Delaware, DEXSTA Federal Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live, work, worship, attend school, or volunteer in New Castle County (DE) or Cecil County (MD), eligible to join.

Immediate family members of anyone meeting the membership qualifications are also welcome to apply.

Joining DEXSTA can be done online, or at any of the six Delaware branches, located in Middletown, New Castle, Newark, and Wilmington (3). The membership application is also available as a download that can be returned in person to any branch or by fax (302.225.0618).

Opening a CD can be done at any of the above-mentioned branches or by phone (302.571.0522).

Membership requires just a $5.00 deposit as a "Membership Share."

DEXSTA participates in CO-OP Shared Branch Network.

By sharing branches with hundreds of credit unions across the country, you can conduct transactions in branches of participating credit unions, just as if you were in a DEXSTA Federal Credit Union branch.

Credit Union Overview

DEXSTA Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 5.99% (excellent) based on March 31, 2019 data. In the past year, DEXSTA has increased its total non-brokered deposits by $11.55 million, an excellent annual growth rate of 4.4%. Please refer to our financial overview of DEXSTA Federal Credit Union (NCUA Charter # 2187) for more details.

Established in 1937 as the DuPont Experimental Station Employees Federal Credit Union, the founding members were 22 DuPont Experimental Station employees who had attended a presentation about credit unions, given by a member of a Philadelphia Credit Union. While each founding member contributed $5 for an initial share,

One of the charter members, James McVey, withdrew $500 from his bank savings account and deposited it in the credit union so it could make loans.

DEXSTA is currently the third largest credit union in Delaware, with more than 35,500 members and assets in excess of $304 million.

How the Certificate Compares

When compared to 185 similar length-of-term CDs tracked by, which require a similar minimum deposit and are available within the FOM, DEXSTA Federal Credit Union's 60-month Certificate APY currently ranks first.

When compared to 176 similar length-of-term CDs tracked by, which require a similar minimum deposit and are available within the FOM, DEXSTA Federal Credit Union's 48-month Certificate APY currently ranks second.

The above rates are accurate as of 8/15/2019.

Looking for the best CD rates, both nationwide and in your state? Please refer to our CD Rates Table page.

Related Pages: Philadelphia CD rates, 5-year CD rates

Julie in Cecil County
  |     |   Comment #1
Friday I went to Dexsta to open an account and get a CD. Since I was funding my CD with a couple of Savings Bonds, I called Dexsta the day before to make sure this wouldn't present a problem. The representative I spoke to said there would be "no problem" using the bonds. When I got to the bank and started the process, the person I was working with told me that they would NOT cash my bonds until I had been a customer of theirs for 6 months. She was sorry I had been told the wrong information over the phone. I asked whether I could be guaranteed the current interest rate if I took my bonds to another bank (a lot of running around) and brought back a check to Dexsta to get the CD, and I was told NO. I left a message with their vice president that I wanted to share my banking experience at Dexsta with him, but he never called me back. No one there took my name, phone number, or acted like they wanted my money. What a waste of time and they will not see me again.

Julie in Cecil County, MD
  |     |   Comment #2
Sounds like customer disservice.

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