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Digital Credit Union
Digital Credit Union Locations| 220 Donald Lynch Blvd Marlborough, MA 01752 508-263-6705 www.dcu.org  |
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Digital Credit Union is headquartered in Marlborough and is the largest credit union in the state of Massachusetts. It is also the 23rd largest credit union in the nation. It was established in 1979 and as of September of 2011, it had grown to 645 employees and 344,285 members. Digital Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.
Related Posts
What to Do with Maturing CDs? Choosing the Best New Long-Term CD - 1/16/2012
Many 5-year CDs with interest rates over 5.00% will be maturing this year, and several readers with these CDs have been trying to decide what to do with that money. Unfortunately, there isn't any grea ...
Banks & Credit Unions that Don't Allow POD Beneficiaries - 12/20/2011
Most banks and credit unions allow you to name payable-on-death (POD) beneficiaries on your accounts. Last month I reviewed my experience as a beneficiary claiming POD bank CDs. As I described in that ...
Comparing the Best CD Rates After Early Withdrawal Penalties - 12/6/2011
This is another comparison of four top long-term CDs if the CDs are closed early. This only compares CDs that are nationally available. As usual I included Ally Bank's 5-year CD due to its small early ...
Top CD Rates at Digital Credit Union in MA - Easy Membership - 10/5/2011
Digital Credit Union continues to offer competitive CD and IRA CD rates. The best CD rates require a $25K minimum deposit and a Relationship Checking relationship. The two best deals are a 2.86% APY 5 ...
2011
- 8/2 - DCU One Year 1.36% APY CD, $25K+, With Unlimited Add-Ons (Forum)
- 3/21 - The Best CD Rates and the Smallest Early Withdrawal Penalties
- 1/24 - Top CD Rates Continue at Digital Credit Union in MA - Easy Membership
2010
- 8/5 - Competitive CD Rates at Digital Credit Union in MA, GA & CO - Easy Membership
- 3/14 - Free FICO Credit Scores at Digital Credit Union - Easy Membership
- 2/10 - Special 14-Month CD at Digital Credit Union in MA, CO & GA - Easy Membership
2009
- 10/8 - 2.00% 9-Month CD at Digital Credit Union - Easy Membership
- 3/11 - E-LOAN and DCU Temporarily Waiving CD Early Withdrawal Penalties
- 1/5 - 3.75% 11-Month CD & 3.25% 4-Month CD at Digital Credit Union - Easy Membership
2008
- 10/20 - 4.50% 16-Month / 4.00% 8-Month CD at Digital Credit Union - Easy Membership
- 8/5 - 4.50% 20-Month CD at Digital Credit Union - Easy Membership
- 6/23 - 4.00% 15-Month CD at Digital Credit Union - Easy Membership
2007
See Rates for: Checking | Savings | Money Market | CD | IRA
Digital Credit Union Checking Account Rates
Digital Credit Union Savings Account Rates
Digital Credit Union Money Market Rates
Digital Credit Union CD Rates
| Apy | Min | Max | Product | |
| 2.60% | $25k | - | Jumbo 60 Month Certificate - Relationship Rate | |
| 2.50% | $500 | - | 60 Month Certificate - Relationship Rate | |
| 2.50% | $100 | - | 60 Month Quick Start Certificate - Relationship Rate | |
| 2.10% | $25k | - | Jumbo 48 - 59 Month Certificate - Relationship Rate | |
| 2.00% | $500 | - | 48 - 59 Month Certificate - Relationship Rate | |
| 2.00% | $100 | - | 48 - 59 Month Quick Start Certificate - Relationship Rate | |
| 1.60% | $25k | - | Jumbo 36 - 47 Month Certificate - Relationship Rate | |
| 1.50% | $500 | - | 36 - 47 Month Certificate - Relationship Rate | |
| 1.50% | $100 | - | 36 - 47 Month Quick Start Certificate - Relationship Rate | |
| 1.35% | $2,500 | - | Jumbo 27 Month Jump-Up CD - Relationship Rate | |
| 1.25% | $500 | - | 27 Month Jump-Up CD - Relationship Rate | |
| 1.20% | $25k | - | Jumbo 24 - 35 Month Certificate - Relationship Rate | |
| 1.15% | $2,501 | - | Jumbo 15 Month Jump-Up CD - Relationship Rate | |
| 1.11% | $25k | - | Jumbo 12 - 23 Month Certificate (Add-On) - Relationship Rate | |
| 1.10% | $500 | - | 24 - 35 Month Certificate - Relationship Rate | |
| 1.10% | $100 | - | 24 - 35 Month Quick Start Certificate - Relationship Rate | |
| 1.05% | $500 | - | 15 Month Jump-Up CD - Relationship Rate | |
| 1.00% | $500 | - | 12 - 23 Month Certificate (Add-On) - Relationship Rate | |
| 1.00% | $100 | - | 12 - 23 Month Quick Start Certificate (Add-On) - Relationship Rate | |
| 0.94% | $25k | - | Jumbo 6 - 11 Month Certificate (Add-On) - Relationship Rate | |
| 0.84% | $500 | - | 6 - 11 Month Certificate (Add-On) - Relationship Rate | |
| 0.84% | $100 | - | 6 - 11 Month Quick Start Certificate (Add-On) - Relationship Rate | |
| 0.60% | $25k | - | Jumbo 3 - 5 Month Certificate (Add-On) - Relationship Rate | |
| 0.50% | $500 | - | 3 - 5 Month Certificate (Add-On) - Relationship Rate | |
| 0.50% | $100 | - | 3 - 5 Month Quick Start Certificate (Add-On) - Relationship Rate |
Digital Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 2.60% | $500 | - | 60 Month IRA Certificate - Relationship Rate | |
| 2.60% | $500 | - | 60 Month Roth IRA Certificate - Relationship Rate | |
| 2.60% | $500 | - | 60 Month SEP IRA Certificate - Relationship Rate | |
| 2.60% | $500 | - | 60 Month SIMPLE IRA Certificate - Relationship Rate | |
| 2.10% | $500 | - | 48 - 59 Month IRA Certificate - Relationship Rate | |
| 2.10% | $500 | - | 48 - 59 Month Roth IRA Certificate - Relationship Rate | |
| 2.10% | $500 | - | 48 - 59 Month SEP IRA Certificate - Relationship Rate | |
| 2.10% | $500 | - | 48 - 59 Month SIMPLE IRA Certificate - Relationship Rate | |
| 1.60% | $500 | - | 36 - 47 Month IRA Certificate - Relationship Rate | |
| 1.60% | $500 | - | 36 - 47 Month Roth IRA Certificate - Relationship Rate | |
| 1.60% | $500 | - | 36 - 47 Month SEP IRA Certificate - Relationship Rate | |
| 1.60% | $500 | - | 36 - 47 Month SIMPLE IRA Certificate - Relationship Rate | |
| 1.35% | $500 | - | 27 Month Jump-Up IRA - Relationship Rate | |
| 1.35% | $500 | - | 27 Month Jump-Up Roth IRA - Relationship Rate | |
| 1.35% | $500 | - | 27 Month Jump-Up SEP IRA - Relationship Rate | |
| 1.35% | $500 | - | 27 Month Jump-Up SIMPLE IRA - Relationship Rate | |
| 1.20% | $500 | - | 24 - 35 Month IRA Certificate - Relationship Rate | |
| 1.20% | $500 | - | 24 - 35 Month Roth IRA Certificate - Relationship Rate | |
| 1.20% | $500 | - | 24 - 35 Month SEP IRA Certificate - Relationship Rate | |
| 1.20% | $500 | - | 24 - 35 Month SIMPLE IRA Certificate - Relationship Rate | |
| 1.15% | $500 | - | 15 Month Jump-Up IRA - Relationship Rate | |
| 1.15% | $500 | - | 15 Month Jump-Up Roth IRA - Relationship Rate | |
| 1.15% | $500 | - | 15 Month Jump-Up SEP IRA - Relationship Rate | |
| 1.15% | $500 | - | 15 Month Jump-Up SIMPLE IRA - Relationship Rate | |
| 1.11% | $500 | - | 12 - 23 Month IRA Certificate - Relationship Rate | |
| 1.11% | $500 | - | 12 - 23 Month Roth IRA Certificate - Relationship Rate | |
| 1.11% | $500 | - | 12 - 23 Month SEP IRA Certificate - Relationship Rate | |
| 1.11% | $500 | - | 12 - 23 Month SIMPLE IRA Certificate - Relationship Rate | |
| 0.94% | $500 | - | 6 - 11 Month IRA Certificate - Relationship Rate | |
| 0.94% | $500 | - | 6 - 11 Month Roth IRA Certificate - Relationship Rate | |
| 0.94% | $500 | - | 6 - 11 Month SEP IRA Certificate - Relationship Rate | |
| 0.94% | $500 | - | 6 - 11 Month SIMPLE IRA Certificate - Relationship Rate | |
| 0.60% | $500 | - | 3 - 5 Month IRA Certificate - Relationship Rate | |
| 0.60% | $500 | - | 3 - 5 Month Roth IRA Certificate - Relationship Rate | |
| 0.60% | $500 | - | 3 - 5 Month SEP IRA Certificate - Relationship Rate | |
| 0.60% | $500 | - | 3 - 5 Month SIMPLE IRA Certificate - Relationship Rate |
Rates updated: 2/10/2012
Data for Q3 2011
Institution Statistics
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Institution Health
Overall Score:
4 out of 5 
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Digital Credit Union
- outtempster - Wednesday, June 16, 2010 - 3:03 PMIf you have a DCU account, you can get your free credit score (from Equifax) every month. Once in a while they also have good CD promotion. However, the free credit score is the main reason that I have this account.
6
CD Rates Posted Are Slightly Misleading
- Nutgraf - Monday, March 14, 2011 - 11:46 AMDCU requires that you have an active checking account to get the rates that are posted on Deposit Accounts.com. If you do not maintain that account and meet it's requirements, you get .25% less interest.
3
DCU CERTIFICATE RATES
- jojibro - Wednesday, February 8, 2012 - 2:00 AMThe rates DCU publishes on it's website are for customers with a "relationship checking".
This is only available if you have a loan or credit card, activate e statements and set up a direct deposit of net pay only.
Tried another source of direct deposit and DCU failed to mention that it was invalid, so no promo certificate rate.
Without that cd rates are 25 basis points (.25) less than published.
Some words of warning, regular accounts can not be designated POD.
So one must make the account a Totten Trust in order to have a beneficiary.
However, if you do that, you can not have any credit card or loan.
Stupid rules that serve no good purpose & misleading rates...
Frustrating experience.
2
Re. Checking Account Requirement To Open A CD
- Jake - Wednesday, December 28, 2011 - 3:53 PMNutgraf - I'm planning to open a CD with DCU. I contacted them and they said that a checking account is not required. The only requirement is to open a savings account with $5.
2
Very Nice People, A Happy Customer
I've been a member of the Digital Federal Credit Union for years. Their customer service is excellent, whether by phone or email. They are extremely nice and knowledgeable people.
When I joined originally, it was only open to employees (and their family members) of Digital Equipment Corporation, but now it is accessible to employees (and family members) of many companies and organizations, as listed on their website dcu.org. They define family widely, including grandparents, grandchildren, etc.
Their rates for CDs are among the best. Recently, at the beginning of 2011, they have been offering 3% on selected 5 year CDs, at a time when the local banks where I live and the brokerage firm I am a customer of are barely breaking 1% and 2% for those, respectively. As far as I can tell, their rates for car loans and mortgages are very good as well.
I have my checking account there, at no annual fee, no fee for writing checks, etc. and have had for many years. Even though I now live in another state, distance has never been a problem with this. They have an online feature which allows customers to scan in checks for deposit.