Digital Employees' Federal Credit Union
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Author: Kaitlyn Short
Digital Employees' Federal Credit Union is a credit union based in Marlborough, Massachusetts. It has over 480,000 members and is the top 20 credit unions in the U.S.A. and the largest credit union headquartered in New England as measured by assets. Digital Employees' Federal Credit Union has over $6 Billion USD in assets. Digital Credit Union is regulated under the authority of the National Credit Union Administration (NCUA) of the US federal government. They have 22 full-service branches and give full-service branches in New Hampshire, although it has members in all 50 U.S. states. Digital Credit Union has adopted a vision statement that “all members achieve their financial goals." This is accomplished by three principles that guide the decisions and behavior of employees and management at Digital Credit Union which allows the credit union to achieve that vision. These principles known as "The DCU Way" are people come first, do the right thing, and make a difference.
Top Ranked Companies
The Good
- Free checking benefits
- Statement savings account
- Regular certificates
- Credit cards
Free Checking Benefits
- No monthly fee or minimum balance
- Debit card
- Free online, mobile, and branch access
- Unlimited check writing
- Receive your pay up to two days early with recurring Direct Deposit
- Free online Bill Payer
- Free Digital Credit Union ATMs
- Automatic Plus and Relationship benefits when you do more with DCU
Statement Savings Account
- Worldwide ATM Access
- $5 minimum to open
- Free online, mobile, and branch access
- Acts as overdraft protection included with Digital Credit Union membership
- Federally insured by NCUA
Regular Certificates
- Low $500 minimum to open and earn dividends
- Terms 3 to 60 months
- Multiple dividend payment options
- Automatic renewal saves time
- Free online, mobile, and branch access
- Best rates with Relationship benefits
- Federally insured to $250,000 by NCUA
Credit Cards
Digital Employees' Federal Credit Union also offers three different credit cards for their customers to choose from. DCU Visa Platinum Credit Card, DCU Visa Platinum Rewards Credit Card, and DCU Visa Platinum Secured Credit Card. The benefit of each card varies by the card type, but a few are listed.- Secured card rates well below the national average (Platinum Secured Credit Card)
- Borrow against your DCU savings account ( Platinum Secured Credit Card)
- No Annual Fee
- No Fees or Higher Rates for Cash Advances and Balance Transfers
- Compatible with Apple Pay
- Insurance, car rental, travel, and warranty benefits
- Optional Overdraft Protection On Your DCU Checking
- Buy online easily and safely with Visa Checkout
- Earn points on every purchase ( Platinum Rewards Credit Card)
- Redeem for travel, merchandise, gift cards, and more ( Platinum Rewards Credit Card)
- Low-Interest Rates ( Platinum Rewards Credit Card)
- Our Lowest Rates ( Platinum Credit Card)
The Bad
- Problems with checking accounts
- Credit card rates
