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

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Been With DCU For 23 Years And They Are Just Fine

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I have done auto loans, home loans and credit cards. They are a credit union in nature and they provide competitive products in certain areas.
Some rates are great, like the first $1000 in your savings account. Some rates are not so great like loans. If you have a good credit score you will get their best rates which are some of the best in the nation. I saw recently they were listed in the top 10 credit unions in the US so they are not that bad.
The web app? Well it has issues here and there but I have been using their app since it was a desktop app back in 1998. Yes, they had an app back then. Way before most banks did so they are not bad at all.
My only complaint? The mobile app requires you to have an Andriod 5.0 are higher to use it. That's it.

DCU ‘S App Is The Worst

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The app for DCU is awful , not user friendly at all . I like my banking simple , deposit here , pay a bill there, but for some reason I think they cheeped out on the app design and have made it hard to navigate . Also the wait times when you call customer service are always long, but the staff is very friendly and efficient . Loan dept is quick and seamless from an auto loan to a home equity . Decent bank but could use a couple of branches in Boston and south of town too.
Like I said the app is lousy and the waiting time is long . But overall I give it a 3.5 right now .

Not The Best Credit Union

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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.

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.



Health Grade Components

NCUA #23521
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD8.1%
Annual Interest Income$401.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$9.36B$8.53B
LoansQ4 2019vs Q4 2018$7.34B$7.23B
DepositsQ4 2019vs Q4 2018$7.90B$7.05B
Equity CapitalQ4 2019vs Q4 2018$918.0MM$843.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$120.3MM$87.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$70.3MM$63.0MM
Real Estate OwnedQ4 2019vs Q4 2018$1.2MM$317.00K
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Always verify rates and promotions with the bank or credit union. We are not Digital Federal Credit Union (DCU); 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.

Digital Federal Credit Union (DCU) Savings Account Rates

6.17%*$5$1kPrimary Savings
OTHER TIERS: 0.25% $1k+
0.90%$25k-DCU Ltd Savings
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%--Savings IRA
0.25%$20-Holiday Club
0.25%$100-Member Described Savings Account

Digital Federal Credit Union (DCU) Money Market Rates

0.85%*$100k*-Money Market Savings Account
OTHER TIERS: 0.65% $1k - $25k | 0.75% $25k - $100k
0.85%*$100k*-Money Market IRA Account
OTHER TIERS: 0.65% $1k - $25k | 0.75% $25k - $100k

Digital Federal Credit Union (DCU) Checking Account Rates

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

Digital Federal Credit Union (DCU) CD Rates

1.61%$25k-60 Month Jumbo CD
1.51%$25k-48 - 59 Month Jumbo CD
1.51%$500-60 Month CD
1.51%$100-60 Month QuickStart CD
1.41%$25k-36 - 47 Month Jumbo CD
1.41%$500-48 - 59 Month CD
1.41%$100-48 - 59 Month QuickStart CD
1.36%$25k-27 Month Jump-Up Jumbo CD
1.31%$25k-24 - 35 Month Jumbo CD
1.31%$500-36 - 47 Month CD
1.31%$100-36 - 47 Month QuickStart CD
1.26%$500-27 Month Jump-Up CD
1.26%$25k-15 Month Jump-Up Jumbo CD
1.21%$25k-12 - 23 Month Jumbo CD (12 Month Add-on permitted)
1.21%$500-24 - 35 Month CD
1.21%$100-24 - 35 Month QuickStart CD
1.16%$500-15 Month Jump-Up CD
1.11%$500-12 - 23 Month CD (12 Month Add-on permitted)
1.11%$100-12 - 23 Month QuickStart CD
0.80%$25k-6 - 11 Month Jumbo CD (w/ Add-on)
0.70%$500-6 - 11 Month CD (w/ Add-on)
0.70%$100-6 - 11 Month QuickStart CD
0.55%$25k-3 - 5 Month Jumbo CD (w/ Add-on)
0.45%$500-3 - 5 Month CD (w/ Add-on)
0.45%$100-3 - 5 Month QuickStart CD

Digital Federal Credit Union (DCU) IRA Rates

1.61%$500-60 Month IRA
1.51%$500-48 - 59 Month IRA
1.41%$500-36 - 47 Month IRA
1.31%$500-24 - 35 Month IRA
1.26%$500-27 Month Jump-Up IRA
1.21%$500-12 - 23 Month IRA
1.16%$500-15 Month Jump-Up IRA
0.80%$500-6 - 11 Month IRA
0.55%$500-3 - 5 Month IRA


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