Digital Federal Credit Union (DCU)

Overview / Commentary
220 Donald Lynch Blvd
Marlborough, MA 01752-9130

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

DCU Paying 6.17% APY On First $1000 In Savings - 6/22/2023

It's a liquid account; merely a savings account. I have had this account for years . . . just sitting there pumping out premium interest . . . . . but only on $1000. What I do is, every three or four months, lower the balance to $975 plus or minus. Then, when it again reaches $1000 plus or minus . . . . rinse and repeat. It's way too much trouble to tend to this account every month. I didn't realize I was now getting 6.17% APY until I just received their promotional email. I mean, the interest rate always has been quite high. I don't pay that much attention, honestly. The account sort of minds itself . . . . once set into motion. I leave it alone, except when I tap my interest a few times each year. It is nice to see DCU is trying to keep up with the times, APY wise.  Good on them.

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DCU Is Great But The New Site Needs Allot Of Work

Posted by: |

I see allot of people leaving harsh reviews of DCU and the criticism is really petty and simple minded. There problems will surely multiply when they shift to a main St bank, or if there needs become a little more sophisticated. I have accounts with several banks and DCU is by far the best. The complainers dont know how good they have it.

The only issue I have is the new site requires work.

Low Fees And Low Customer Support

Posted by: |

Online and mobile app is horrible; customer service is terrible. Fees are very low and you get what you pay for.

Member Since 1993

Posted by: |

We have always been more than happy with DCU. Many times, even debating with people who had the best banking only to find out we both had DCU. We have had extensive experience with DCU which was always superb.

Lately, you can't make a simple call to Customer Service without experiencing long waits and invitations to make a phone appointment for days ahead so you must sit by the phone and wait. When we took out loans or mortgages the process was very quick and efficient. Our last home equity loan took many weeks longer than they promised with difficulties reaching appropriate people who didn't return calls or emails, or no longer worked there. I ended up having to charge scheduled home improvements to credit cards.

We believed the past DCU banking page was simply superb, fast and convenient. Since the DCU page has been "upgraded" we've had nothing but trouble. Bills aren't being paid on the date you would like. You have to predict 7-8 days ahead of time to know when your biller will receive the check, so you have to always be looking at least a week ahead.

The new Bill Payer format is horrible. When pages used to load in a second or two from a click, now it takes extra time to load every page. Highly disappointed.

Nearly Member For 10 Yrs ! I Am Leaving

Posted by: |

after nearly ten years this bank has decided to restrict my membership
long story with the death of my fiance who was also a member - my brother who became a member and my personal 2 checking and one savings account they have decided to restric my membership to do finaicial hardships post covid.
i was out of work for 18 months...recovery financially has been difficult and this bank does not 1. notifiy you when your membership becomes restricted - they just do it - then judge you based on black and white informaiton only - no exceptions - THIS IS A HOMETOWN bank ?? this is a bank who wants to see its members succeed ???
i have had numerous small quick loans that have always paid off... over first year post covid i had nsf's take place that never went over the required time to be fixed as my pay check went in EVERY OTHER WEEK yet i am now denied the opportunity of the quick loan for being a member -
AGAIN all loans were paid off not once was there an nsf for my quick loan payment !!!!!

this is not an empathetic bank - this is not a bank the supports its members - fee's have increased ... you wait on hold for long periods and although they say we are sorry - or we wish - its hollow words.... i will be moving my funds to another bank immediately - and keeping my savings only in the interim ... great job dcu .. NOT



Health Grade Components

NCUA #23521
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD9.62%
Annual Interest Income$253.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$11.96B$10.69B
LoansQ2 2023vs Q2 2022$10.83B$8.71B
DepositsQ2 2023vs Q2 2022$10.40B$9.64B
Equity CapitalQ2 2023vs Q2 2022$1.07B$973.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$135.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$67.1MM$47.8MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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: 0.15% $1k+
3.56%--Advantage Savings Account
1.51%--Smart Savings
0.20%--Savings IRA
0.15%$100-Member Described Savings Account
0.10%--HSA Checking Account

Digital Federal Credit Union (DCU) Money Market Rates

3.30%*$100k*-Money Market Savings Account
OTHER TIERS: 1.71% $1k - $25k | 1.77% $25k - $100k
3.30%*$100k*-Money Market IRA Account
OTHER TIERS: 1.71% $1k - $25k | 1.77% $25k - $100k

Digital Federal Credit Union (DCU) Checking Account Rates

0.20%-$1kFree Checking with Earn More
0.10%--Free Business Checking

Digital Federal Credit Union (DCU) CD Rates

5.39%$25k-12 - 23 Month Jumbo CD
5.39%$25k-15 Month Jump-Up Jumbo CD
5.13%$500-12 - 23 Month CD
5.13%$100-12 - 23 Month QuickStart CD
5.13%$500-15 Month Jump-Up CD
4.86%$25k-6 - 11 Month Jumbo CD
4.60%$25k-3 - 5 Month Jumbo CD
4.60%$500-6 - 11 Month CD
4.60%$100-6 - 11 Month QuickStart CD
4.50%$25k-24 - 35 Month Jumbo CD
4.50%$25k-27 Month Jump-Up Jumbo CD
4.34%$500-3 - 5 Month CD
4.34%$100-3 - 5 Month QuickStart CD
4.24%$500-24 - 35 Month CD
4.24%$100-24 - 35 Month QuickStart CD
4.24%$500-27 Month Jump-Up CD
3.87%$25k-36 - 47 Month Jumbo CD
3.77%$25k-48 - 59 Month Jumbo CD
3.72%$25k-60 Month Jumbo CD
3.61%$500-36 - 47 Month CD
3.61%$100-36 - 47 Month QuickStart CD
3.51%$500-48 - 59 Month CD
3.51%$100-48 - 59 Month QuickStart CD
3.46%$500-60 Month CD
3.46%$100-60 Month QuickStart CD

Digital Federal Credit Union (DCU) IRA Rates

5.13%$500-12 - 23 Month IRA
5.13%$500-15 Month Jump-Up IRA
4.60%$500-6 - 11 Month IRA
4.34%$500-3 - 5 Month IRA
4.24%$500-24 - 35 Month IRA
4.24%$500-27 Month Jump-Up IRA
3.61%$500-36 - 47 Month IRA
3.51%$500-48 - 59 Month IRA
3.46%$500-60 Month IRA


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