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.

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The Good

  • Free checking benefits
  • Statement savings account
  • Regular certificates
  • Credit cards

Digital Employees' Federal Credit Union offers a variety of financial services offered by most financial institutions, including savings accounts, checking accounts, IRA accounts, and certificates of deposit. In addition, Digital Credit Union also offers members consumer, business and auto loans, credit cards, mortgages, home equity lines of credit, investment services, brokerage services and insurance services.

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

There are only a few things that are not so great about Digital Employees' Federal Credit Union. If they made improvements to these areas then we could see them finally competing with other credit unions.

Problems with Checking Accounts

First, their basic checking account doesn't offer almost any type of dividend compared to other credit unions. You have to sign up for their Dividend Checking account and that requires a minimum daily balance of $2,500. If that balance isn't kept or met there is a $10.00 monthly maintenance fee, and the APY on the Dividend Checking account is only .05%, this is comparable to other credit unions, however, other credit unions do not require such a high minimum balance if they require one at all.

Credit Card Rates

Secondly, while they offer a good variety of credit cards to their customers with excellent benefits, the interest rates on two of the cards is higher than other Credit Unions starting rates based on approval.

The Bottom Line

Digital Employees' Federal Credit Union is primarily based in Massachusetts, however, there are ways to become a member even when you don't live in area, this allows you to be a member from anywhere as there is access to ATMs across the nation and through online banking, and once you join you are a member for life. They would not be a great choice if you are looking for a checking account with dividends, but they would, however, be a choice to consider for a Certificate of Deposit. We recommend exploring other options before choosing Digital Employees' Federal Credit Union.

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