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 ‘S App Is The Worst

Posted by: Rusty825 | Aug 7, 2019

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

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.

Worst Bank

Posted by: ddraleaus | Feb 9, 2019

DCU is the worst bank I have ever dealt with. They will block bank card for payments and have no problem leaving you stranded to until you meet their demands. DO NOT bank with DCU. They will screw you over any way they can. HORRIBLE BANK!!!



Health Grade Components

NCUA #23521
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.23%
Annual Interest Income$194.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$8.97B$8.61B
LoansQ2 2019vs Q2 2018$7.16B$6.74B
DepositsQ2 2019vs Q2 2018$7.52B$7.06B
Equity CapitalQ2 2019vs Q2 2018$875.3MM$814.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$112.5MM$71.3MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$66.0MM$53.0MM
Real Estate OwnedQ2 2019vs Q2 2018$2.0MM$952.00K
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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+
1.92%$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%--IRA Savings Account
0.25%$20-Holiday Club
0.25%$100-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

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

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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