What are the current interest rates at DCU Digital Federal Credit Union?

Current rates for DCU Digital Federal Credit Union include: Savings: 5.00%

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DCU Digital Federal Credit Union

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DCU Digital Federal Credit Union Rates & Review October 2026

Item: DCU Digital Federal Credit Union
Rating: 1
Author: Roland T.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

DCU Digital Federal Credit Union's top rates as of October 7, 2026 are 5.00% APY on savings, personal loans from 11.99% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of DCU Digital Federal Credit Union with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.34%. Rates last updated and verified on 10/07/2026.

DCU Digital Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at DCU Digital Federal Credit Union? Share your experience about DCU Digital Federal Credit Union by leaving a review below, or read customer reviews before you decide to use DCU Digital Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

10.34%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

DCU Digital Federal Credit Union
San Jose Corporate

2890 Zanker Rd
San Jose, CA 95134-2118

https://www.dcu.org

Customer Reviews

1.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

DCU Digital Federal Credit Union Savings Rates

Product	Rate	APY
Primary Savings	-	5.00%
Min Deposit $5 Min Balance $0 Details On Balances Up To $1000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	-	3.50%
Min Deposit $0 Min Balance $500,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Advantage Savings	-	3.00%
Min Deposit $0 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings	-	3.50%
Min Deposit $0 Min Balance $500,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Refinance	-	-	4.99%
Details Rate is subject to change after consummation. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.00%
Details $0 Annual Fee. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 12.00% APR · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.99%
Details Rate is subject to change after consummation. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.99% APR · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

DCU Digital Federal Credit Union’s Texas Ratio rose from 6.52% in Q3 2023 to 10.34% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$27.9B	10.34%	5.0	A
March 31, 2026	$28.6B	8.02%	5.0	A
December 31, 2025	$13.1B	9.12%	5.0	A
September 30, 2025	$12.9B	8.74%	5.0	A
June 30, 2025	$12.7B	8.46%	5.0	A
March 31, 2025	$12.9B	7.92%	5.0	A
December 31, 2024	$12.6B	8.55%	5.0	A
September 30, 2024	$12.1B	8.64%	5.0	A
June 30, 2024	$12.0B	8.38%	5.0	A
March 31, 2024	$12.3B	7.83%	5.0	A
December 31, 2023	$12.1B	7.56%	5.0	A
September 30, 2023	$12.0B	6.52%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for DCU Digital Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather DCU Digital Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with DCU Digital Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name DCU Digital Federal Credit Union

Website https://www.dcu.org

Address 2890 Zanker Rd, San Jose, CA 95134-2118

Phone 855-855-8805

Fax

President Jeff Hank

CEO Shruti Miyashiro

Full-Time Employees 3,403

Part-Time Employees 66

Branch Locations 60

ATM Locations 56

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

10.34%

Return on Assets (ROA)

0.1393%

Return on Equity (ROE)

1.2961%

Non-Performing Loans Ratio (NPL)

1.61%

Total Assets

27,875,912,054

Total Amount of Shares and Deposits

24,195,280,625

Total Shares and Deposits < 1 Year

23,477,687,174

Total Shares and Deposits 1 3 Years

627,629,330

Total Shares and Deposits > 3 Years

89,964,120

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,535,875,219

Total Uninsured Shares and Deposits > $250K (F+J)

2,535,875,219

Total Insured Shares and Deposits > $250K (item 17 less item K)

21,659,405,406

Total Interest Expense (Sum of items 6 8)

254,409,237

Share Certificates

106,824

Number of Accounts for Share Drafts

1,299,423

IRA KEOGH Accounts

23,966

Number of Accounts for Regular Shares

2,239,436

All other shares

14,253

Non Member Deposits

Money Market Shares

252,676

Net Income (unless the amount is already included in Undivided Earnings)

38,841,395

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,839,441,066

Total Liabilities

24,960,911,022

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

DCU Digital Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/digital-federal-credit-union-dcu-rates-review-23521">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Roland T.

★☆☆☆☆

May 14, 2026

The DCU branch on Bridge St. in Lowell is the worst. There is always at least 10 people waiting in line each time I have gone there, two tellers that are slower than a snail. I have walked out several times because of this. I have driven 8 miles away to another branch and swear that it took less time than if I had stood in line. It appears that this is the only branch with this major problem, PLEASE FIX

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Want to discuss DCU Digital Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★☆☆☆☆

Total Reviews

Add Your Rating and Review for DCU Digital Federal Credit Union

Frequently Asked Questions About DCU Digital Federal Credit Union

How many branches does DCU Digital Federal Credit Union operate?

DCU Digital Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join DCU Digital Federal Credit Union?

Yes, to access services at DCU Digital Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, DCU Digital Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, DCU Digital Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does DCU Digital Federal Credit Union offer online and mobile banking?

Most modern institutions like DCU Digital Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dcu.org.