Digital Federal Credit Union (DCU)

Overview / Commentary
220 Donald Lynch Blvd
Marlborough, MA 01752

Digital Credit Union serves hundreds of companies and organizations, as well as hundreds of thousands of members and their families in every state of the country. Measured by assets, it is the largest credit union in Massachusetts and one of the largest nationwide. DCU offers its members products and services for personal and commercial banking, asset management, insurance, and realty.

On its personal banking side, Digital Credit Union provides savings accounts, checking accounts, money market accounts, and Certificate accounts. Checking accounts come with a Visa debit card, ATM access, non-DCU ATM reimbursement, free checks, and direct deposit. DCU’s savings and money market accounts offer interest when certain conditions are met, including a minimum account balance. Certificate accounts are offered in term lengths ranging from 3 to 60 months and usually offer higher than average interest rates.

Digital Credit Union online banking gives members easy access to all of their accounts and provides the ability to file important documents related to their accounts. The web platform also provides check imaging and is connected to Quicken to help members with their budgeting process. DCU also provides mobile banking through a free smartphone app from which members can access and manage their accounts and perform remote deposits.

Digital Equipment Corporation, a computer company trying to grow its list of employee benefits, originally organized digital Credit Union in 1979. The credit union has since expanded its membership base while keeping “Digital” in its name to honor its heritage from DEC. It is on the front edge of banking technology and seeks to offer its members highly sophisticated means to manage their accounts.

Field of Membership Restrictions

Membership in DCU is open to anyone through membership in Reach Out for Schools ($10 fee), Merrimack River Watershed Council, Inc. ($35 fee) and other select organizations. Membership is also open to those who live, work, attend school or worship in Lowell and Worcester, Massachusetts, in Cumming, Norcross, or Gainesville, Georgia and select areas of Chelmsford and Tewksbury, Massachusetts; to employees of CET Technology, Insulet Corporation, and over 500 Select Employer Groups.
See current membership details

Related Posts

6.17% APY On The First $1000.00 - 1/1/2019

They used to have good rates , but now I only keep 1 k with them

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Great local credit union.

This is a great local credit union. I have been a member for over 10 years and have not experienced any issues. Their online banking is great and their website interface is really user friendly. I have savings accounts, checking accounts, money market accounts and a CD with them and have never run into any problems. I have set up both a checking account and money market account with them all online and they are in your online account access immediately so you can access them right away. Their rates for the money market account are better than you would find with a bank. They have several branches where I am located as well as ATMs that are free to use. I would highly recommend them to anyone looking to switch.

Dcu banking

DCU is local around my city and it is a great bank! I would recommend it to friends or family. I have had a great experience every time. They have a drive through ATM where you can make deposits into your savings or checking account. You can also deposit a check when you go through the drive through ATM as well as take out money from your checking or savings account. I feel as if it is very secure with a camera on the drive through. I have also had a good experience going inside the bank and their hours are great. There are days where they are open later so you can go after work. I have called DCU and had no problem talking to anyone and I LOVE their mobile banking app. It had never gave me an issue. The only thing I do not like it the over draft fee is $30 but compared to other banks that is half of what other banks charge when you over draft. I stated before highly recommend DCU!

Not The Best Credit Union

Posted by: srog385 | Mar 27, 2019

I've had a few accounts over the years with DCU and they are by far the worst credit union I have used by far. Their processes are too beaucratic and feel like they are stuck in the 90's. You need to go through so many steps just to get a PIN/debit card mailed or to get help with customer service issues. Some customer service reps want to help but others could just careless.

Something Has Changed

It looks like all the good reviews are old, tells me that something has changed.



Health Grade Components

NCUA #23521
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD7.65%
Annual Interest Income$331.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$8.53B$8.27B
LoansQ4 2018vs Q4 2017$7.23B$6.48B
DepositsQ4 2018vs Q4 2017$7.05B$6.76B
Equity CapitalQ4 2018vs Q4 2017$843.3MM$778.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$87.3MM$63.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$63.0MM$47.5MM
Real Estate OwnedQ4 2018vs Q4 2017$317.00K$1.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Digital Federal Credit Union (DCU) Savings Account Rates

6.17%*$5$1kPrimary Savings
OTHER TIERS: 0.25% $1k+
6.17%*$5$1kBusiness Primary Savings
OTHER TIERS: 0.25% $1k+
1.92%$25k-DCU Ltd Savings
1.92%$25k-Business DCU Ltd Savings Account
0.45%*$100k*-HSA Checking Account
OTHER TIERS: 0.20% Up to $1k | 0.25% $1k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.40%--IRA Savings Account
0.25%$20-Holiday Club
0.25%$100-Member Described Savings Account
0.25%$100-Business Member Described Savings Account

Digital Federal Credit Union (DCU) Money Market Rates

1.77%*$100k*-Money Market Account
OTHER TIERS: 1.56% $1k - $25k | 1.66% $25k - $100k
1.77%*$100k*-Money Market IRA Account
OTHER TIERS: 1.56% $1k - $25k | 1.66% $25k - $100k
1.77%*$100k*-Business Money Market Savings Account
OTHER TIERS: 1.56% $1k - $25k | 1.66% $25k - $100k

Digital Federal Credit Union (DCU) Checking Account Rates

0.20%*$400k*-Business Premier Checking
OTHER TIERS: 0.05% $20k - $75k | 0.10% $75k - $150k | 0.15% $150k - $400k
0.05%--Dividend Checking

Digital Federal Credit Union (DCU) CD Rates

2.38%$25k-60 Month Jumbo CD
2.28%$25k-48 - 59 Month Jumbo CD
2.28%$500-60 Month CD
2.28%$100-60 Month QuickStart CD
2.17%$25k-36 - 47 Month Jumbo CD
2.17%$500-48 - 59 Month CD
2.17%$100-48 - 59 Month QuickStart CD
2.12%$25k-27 Month Jump-Up Jumbo CD
2.07%$25k-24 - 35 Month Jumbo CD
2.07%$500-36 - 47 Month CD
2.07%$100-36 - 47 Month QuickStart CD
2.02%$500-27 Month Jump-Up CD
2.02%$25k-15 Month Jump-Up Jumbo CD
1.97%$25k-12 - 23 Month Jumbo CD (12 Month Add-on permitted)
1.97%$500-24 - 35 Month CD
1.97%$100-24 - 35 Month QuickStart CD
1.92%$500-15 Month Jump-Up CD
1.87%$500-12 - 23 Month CD (12 Month Add-on permitted)
1.87%$100-12 - 23 Month QuickStart CD (12 Month Add-on permitted)
1.56%$25k-6 - 11 Month Jumbo CD (w/ Add-on)
1.46%$500-6 - 11 Month CD (w/ Add-on)
1.46%$100-6 - 11 Month QuickStart CD
1.31%$25k-3 - 5 Month Jumbo CD (w/ Add-on)
1.21%$500-3 - 5 Month CD (w/ Add-on)
1.21%$100-3 - 5 Month QuickStart CD (w/ Add-on)

Digital Federal Credit Union (DCU) IRA Rates

2.38%$500-60 Month IRA
2.28%$500-48 - 59 Month IRA
2.17%$500-36 - 47 Month IRA
2.12%$500-27 Month Jump-Up IRA
2.07%$500-24 - 35 Month IRA
2.02%$500-15 Month Jump-Up IRA
1.97%$500-12 - 23 Month IRA
1.56%$500-6 - 11 Month IRA
1.31%$500-3 - 5 Month IRA


Boston Area

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