Digital

220 Donald Lynch Blvd
Marlborough, MA 01752

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 23521
Date Established 1979
Assets $8,071.18 million
Loans $6,610.61 million
Deposits $6,561.31 million
Capital $747.96 million

Digital is an NCUA insured institution located in Marlborough, MA. It was founded in 1979 and has approximately $8071.18 millions in assets.

Who May Join DCU?

There are several ways to qualify for membership in DCU.

Eligibility by Family Relationship to a Current DCU Member

Relatives of DCU members are eligible to join by federal regulation if they are a spouse, domestic partner, child, sibling, parent, grandparent, or grandchild of a member. This includes stepchildren, stepparents, step siblings, and adopted children.

Eligibility by Company You Work for or Retired From

You are eligible to join if you fit within any of these three groups:

You currently work for or retired from a company in our list of participating employers (see below).

You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our list of participating employers.

You are the spouse of someone who died while they worked for or were retired from a company or organization in our list of participating employers.

Eligibility by Organization You Belong To

You are eligible to join if you fit within any of these three groups:

You currently belong to or join an organization whose members we serve (see below).
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.

You are the spouse of someone who died while they belonged to an organization in our list of participating organizations.
Eligibility by Community

You are automatically eligible to join DCU if you live, work, worship, or attend school in one the communities in our list (see below). Any business or other legal entity located in one of these areas is also automatically eligible to join.

Field of Membership Restrictions

Membership in Digital Federal Credit Union 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.

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.25% $500 $24,999 Learn MoreShow Less
6 Mo CD 10K
0.35% $500 $24,999 Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.86% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.20% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.55% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.65% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.75% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
Free Checking Relationship Benefits 0.00% $0 $0.00 Learn MoreShow Less
Free Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.24% 2.24% $718.69 Learn MoreShow Less
4 Year 2.24% 2.24% $545.00 Learn MoreShow Less
5 Year 2.24% 2.24% $440.82 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are Digital branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Digital Locations

Financial Details

Digital Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Digital. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA insured. Depositors should be careful to remain within NCUA-insurance limits.

Texas Ratio
Digital U.S. Average
2.77% 6.15%

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. As of June 30, 2017, Digital had $19,794,838 in non-current loans and $2,351,333 in owned assets. To cover these potential losses it had $747,964,541 in net worth and $52,040,697 in loans loss reserves. That gives it a Texas Ratio of 2.77%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
Digital U.S. Average
9.26% 13.03

Digital FCU has a net worth of 9.26% versus the BestCashCow average of 13.03. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On

What is ?

A federal credit union, registered with the NCUA under certificate #23521.
Learn more about credit unions here.

Is FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join ?

Please see Field of Membership information above for information on who is eligible to join.

What are 's share account and share certificate rates?

's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is ?

has total capital of $747.96 million. Full information on 's financial position is located above.

Who owns ?

Credit Unions are owned by their members.

Where are branches located?

See branch locations nearby.

Are ATMs Open 24/7?

Do ATMs accept cash deposits?

Can customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does have a mobile app?

Does have mobile deposit?

Does have quick pay?

How can transfer money to other banks or credit unions?

Does report to credit bureaus?

Does use Chexsystems?

Does use Equifax?

What is 's toll free phone number?

What is 's ACH Routing Number?

What is 's SWIFT code?

Where can I find 's wire transfer form?

What is the address for deposits?

What Products Does Offer

Does offer mortgages?

Compare mortgage rates here.

Does offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does offer auto and RV loans?

Compare auto loan rates here.

Does offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for


  • Julie

    May 04, 2016

    Refi, no cash out, no second

  • Paul N

    April 07, 2016

    I just applied for a home equity loan with DCU. No problems at all so far. I did the entire application online. I did have some confusion with the info that I needed to provide. If you apply, you will need your tax returns for the past two years, most recent pay stubs, most recent real estate tax, homeowners insurance policy, and W2s. It wasn't terribly onerous but since I am not that organized it took me awhile to gather everything. I then uploaded it to their site. I also had contact with a lending rep and could ask info via secure mail. I'm waiting to hear if the loan was approved but so far no problems.

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