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

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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.

I Made An Account Just To Leave A 1 Star Review

the worst
customer service is terrible
site and features are broken
so many issues and stresses you out



Health Grade Components

NCUA #23521
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.85%
Annual Interest Income$362.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$11.28B$9.89B
LoansQ4 2022vs Q4 2021$9.82B$7.73B
DepositsQ4 2022vs Q4 2021$10.16B$8.81B
Equity CapitalQ4 2022vs Q4 2021$1.01B$971.9MM
Loan Loss AllowanceQ4 2022vs Q4 2021$136.6MM$148.3MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$57.7MM$39.5MM
Real Estate OwnedQ4 2022vs Q4 2021$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
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

3.30%$25k-60 Month Jumbo CD
3.30%$500-60 Month CD
3.30%$100-60 Month QuickStart CD
2.79%$25k-48 - 59 Month Jumbo CD
2.79%$25k-36 - 47 Month Jumbo CD
2.79%$25k-24 - 35 Month Jumbo CD
2.79%$500-24 - 35 Month CD
2.79%$500-36 - 47 Month CD
2.79%$500-48 - 59 Month CD
2.79%$100-48 - 59 Month QuickStart CD
2.79%$100-36 - 47 Month QuickStart CD
2.79%$100-24 - 35 Month QuickStart CD
2.79%$500-27 Month Jump-Up CD
2.79%$25k-27 Month Jump-Up Jumbo CD
2.28%$25k-12 - 23 Month Jumbo CD
2.28%$25k-6 - 11 Month Jumbo CD
2.28%$25k-3 - 5 Month Jumbo CD
2.28%$500-3 - 5 Month CD
2.28%$500-6 - 11 Month CD
2.28%$500-12 - 23 Month CD
2.28%$100-12 - 23 Month QuickStart CD
2.28%$100-6 - 11 Month QuickStart CD
2.28%$100-3 - 5 Month QuickStart CD
2.28%$500-15 Month Jump-Up CD
2.28%$25k-15 Month Jump-Up Jumbo CD

Digital Federal Credit Union (DCU) IRA Rates

3.30%$500-60 Month IRA
2.79%$500-48 - 59 Month IRA
2.79%$500-36 - 47 Month IRA
2.79%$500-24 - 35 Month IRA
2.79%$500-27 Month Jump-Up IRA
2.28%$500-12 - 23 Month IRA
2.28%$500-6 - 11 Month IRA
2.28%$500-3 - 5 Month IRA
2.28%$500-15 Month Jump-Up IRA


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