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DCU Digital Federal Credit Union Rates & Review November 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 31, 2026

DCU Digital Federal Credit Union's 12 Month Regular CD rates are at 3.50%, 18 Month Jump-Up CD rates are at 3.50%, 24 Month Jump-Up CD rates are at 3.25%, 36 Month Regular CD rates are at 3.25%, 48 Month Regular CD rates are at 3.25%. DCU Digital Federal Credit Union's savings rates are at 5.00%. DCU Digital Federal Credit Union's checking rates are as high as 0.10%. DCU Digital Federal Credit Union's Purchase Jumbo 15 Years Fixed rates are at 6.62%, Refinance Jumbo Fixed-Rate Mortgage - Jumbo 15 Years Fixed rates are at 6.62%, Purchase Jumbo 10 Years Fixed rates are at 6.62%, Refinance Jumbo Fixed-Rate Mortgage - Jumbo 10 Years Fixed rates are at 6.62%, Purchase Fixed-Rate Mortgage - 15 Years Fixed rates are at 6.62%. DCU Digital Federal Credit Union's Personal Loan Rates are as low as 11.99%. DCU Digital Federal Credit Union's Credit Card Rates are at 9.99%. DCU Digital Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/31/2026.

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 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

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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 CD Rates

Product	Rate	APY	Term
12 Month Jumbo Certificate	3.68%	3.75%	12 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
18 Month Jump-Up Jumbo Certificate	3.68%	3.75%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Jump the rate up one time per term; Dividends compounded daily, credited monthly; Early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
12 Month Regular Certificate	3.44%	3.50%	12 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
18 Month Jump-Up Certificate	3.44%	3.50%	18 Months
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 3.50% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
24 Month Jump-Up Jumbo Certificate	3.44%	3.50%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Jump the rate up one time per term; Dividends compounded daily, credited monthly; Early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
36 Month Jumbo Certificate	3.44%	3.50%	36 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
48 Month Jumbo Certificate	3.44%	3.50%	48 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
6 Month Jumbo Certificate	3.44%	3.50%	6 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
60 Month Jumbo Certificate	3.44%	3.50%	60 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
9 Month Jumbo Certificate	3.44%	3.50%	9 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
24 Month Jump-Up Certificate	3.20%	3.25%	24 Months
No additional details. Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 3.25% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
3 Month Jumbo Certificate	3.20%	3.25%	3 Months
Min Deposit $25,000 Min Balance $25,000 Details Minimum daily balance of $25,000 to earn APY; Dividends compounded daily, credited monthly; penalty may be imposed for early withdrawal Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
36 Month Regular Certificate	3.20%	3.25%	36 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
48 Month Regular Certificate	3.20%	3.25%	48 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
6 Month Regular Certificate	3.20%	3.25%	6 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
60 Month Regular Certificate	3.20%	3.25%	60 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
9 Month Regular Certificate	3.20%	3.25%	9 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
3 Month Regular Certificate	2.96%	3.00%	3 Months
Min Deposit $500 Min Balance $500 Details Dividends compounded daily, credited monthly; early withdrawal penalty may apply Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Savings Rates

Product	Rate	APY
Primary Savings	4.89%	5.00%
Min Deposit $5 Min Balance $0 Details Balance: Up to and including the first $1,000.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 11 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 or more Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 12 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	3.08%	3.13%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.13% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Advantage Savings	2.96%	3.00%
Details Balance: No minimum; Dividends compounded and credited monthly Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.75%	1.77%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.75%	1.77%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.70%	1.71%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.70%	1.71%
Min Balance $1,000 Details Balance: $1,000.00 to $9,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Savings IRA	0.20%	0.20%
Min Deposit $10 Min Balance $0 Details Balance: No Minimum Balance; May be used for Traditional, Roth, SEP, and SIMPLE accounts; Rates are variable and may change after the account is opened at any time at DCU's discretion Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Legacy Member Described Savings	0.15%	0.15%
Min Balance $100 Details Balance: $100+ daily balance; Rates are effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 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
Money Market Savings	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 or more Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 12 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	3.08%	3.13%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.13% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.75%	1.77%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.75%	1.77%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.70%	1.71%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Money Market Savings	1.70%	1.71%
Min Balance $1,000 Details Balance: $1,000.00 to $9,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Checking Rates

Product	Rate	APY
HSA Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
HSA Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
HSA Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
HSA Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
HSA Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Purchase Jumbo 15 Years Fixed	6.625%	-0.125%	6.644%	15 Years
Details Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $8.78 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.64% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Jumbo Fixed-Rate Mortgage - Jumbo 15 Years Fixed	6.625%	0.000%	6.644%	15 Years
Details Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.64% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Jumbo 10 Years Fixed	6.625%	-0.125%	6.652%	10 Years
Details Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $11.42 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.65% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Jumbo Fixed-Rate Mortgage - Jumbo 10 Years Fixed	6.625%	0.000%	6.652%	10 Years
Details Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.65% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Fixed-Rate Mortgage - 15 Years Fixed	6.625%	0.000%	6.815%	15 Years
Details Conforming loans; example loan amount $100,000; LTV 80%; credit score 780 or higher; single-family owner-occupied; effective October 30, 2026 Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.07% → 6.82% ▼ 0.25 pts · high 7.07% / low 6.82% Oct 31, 20266.82%▼ from 7.07% Oct 26, 20267.07%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Fixed-Rate Mortgage - 15 Years Fixed	6.625%	0.000%	6.815%	15 years
Details Refinance; Conforming; Interest Rate 6.625%; APR 6.815% Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.07% → 6.82% ▼ 0.25 pts · high 7.07% / low 6.82% Oct 31, 20266.82%▼ from 7.07% Oct 26, 20267.07%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Fixed-Rate Mortgage - 10 Years Fixed	6.625%	0.000%	6.893%	10 Years
Details Conforming loans; example loan amount $100,000; LTV 80%; credit score 780 or higher; single-family owner-occupied; effective October 30, 2026 Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.02% → 6.89% ▼ 0.13 pts · high 7.02% / low 6.89% Oct 31, 20266.89%▼ from 7.02% Oct 26, 20267.02%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Fixed-Rate Mortgage - 10 Years Fixed	6.625%	0.000%	6.893%	10 years
Details Refinance; Conforming; Interest Rate 6.625%; APR 6.893% Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.02% → 6.89% ▼ 0.13 pts · high 7.02% / low 6.89% Oct 31, 20266.89%▼ from 7.02% Oct 26, 20267.02%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Jumbo 20 Years Fixed	7.00%	-0.125%	7.015%	20 Years
Details Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $7.75 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 7.02% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Jumbo Fixed-Rate Mortgage - Jumbo 20 Years Fixed	7.00%	0.000%	7.015%	20 Years
Details Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 7.02% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Jumbo 30 Years Fixed	7.125%	0.000%	7.137%	30 Years
Details Non-conforming jumbo; example loan $1,000,000; LTV 80%; credit score 780+; EMP per $1,000: $6.74 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 7.14% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Jumbo Fixed-Rate Mortgage - Jumbo 30 Years Fixed	7.25%	0.000%	7.262%	30 Years
Details Refinance; non-conforming jumbo; example loan amount $1,000,000; LTV 80%; credit score 780 or higher; first lien rate & term refinance Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 7.26% APR Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Fixed-Rate Mortgage - 20 Years Fixed	7.125%	-0.125%	7.28%	20 Years
Details Conforming loans; example loan amount $100,000; LTV 80%; credit score 780 or higher; single-family owner-occupied; effective October 30, 2026 Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.66% → 7.28% ▼ 0.38 pts · high 7.66% / low 7.28% Oct 31, 20267.28%▼ from 7.66% Oct 26, 20267.66%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Fixed-Rate Mortgage - 20 Years Fixed	7.125%	0.000%	7.28%	20 years
Details Refinance; Conforming; Interest Rate 7.125%; APR 7.280% Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.66% → 7.28% ▼ 0.38 pts · high 7.66% / low 7.28% Oct 31, 20267.28%▼ from 7.66% Oct 26, 20267.66%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Purchase Fixed-Rate Mortgage - 30 Years Fixed	7.375%	-0.125%	7.496%	30 Years
Details Conforming loans; example loan amount $100,000; LTV 80%; credit score 780 or higher; single-family owner-occupied; effective October 30, 2026 Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.62% → 7.50% ▼ 0.13 pts · high 7.62% / low 7.50% Oct 31, 20267.50%▼ from 7.62% Oct 26, 20267.62%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Refinance Fixed-Rate Mortgage - 30 Years Fixed	7.375%	0.000%	7.496%	30 years
Details Refinance; Conforming; Interest Rate 7.375%; APR 7.496% Last Updated 10/31/2026 Rate History 1 change since Oct 26, 2026 · 7.62% → 7.50% ▼ 0.13 pts · high 7.62% / low 7.50% Oct 31, 20267.50%▼ from 7.62% Oct 26, 20267.62%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity Loan - Up to 5 Years	5.25%	-	5.438%	Up to 5 Years
Details Second lien position; CLTV 50.01%-70.00%; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 5.44% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Up to 10 Years	6.00%	-	6.10%	Up to 10 Years
Details Second lien position; CLTV 50.01%-70.00%; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 6.10% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Up to 15 Years	6.50%	-	6.572%	Up to 15 Years
Details Second lien position; CLTV 50.01%-70.00%; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 6.57% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Second Lien	6.25%	-	6.794%	Up to 5 Years
Details CLTV up to 90% of home's market value; 2nd lien position; credit score 740 or higher; Massachusetts assumptions; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.79% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Up to 20 Years	6.75%	-	6.808%	Up to 20 Years
Details Second lien position; CLTV 50.01%-70.00%; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 6.81% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Second Lien	7.00%	-	7.294%	Up to 10 Years
Details CLTV up to 90% of home's market value; 2nd lien position; credit score 740 or higher; Massachusetts assumptions; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.29% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Second Lien	7.50%	-	7.713%	Up to 15 Years
Details CLTV up to 90% of home's market value; 2nd lien position; credit score 740 or higher; Massachusetts assumptions; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.71% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed-Rate Home Equity Loan - Second Lien	7.75%	-	7.924%	Up to 20 Years
Details CLTV up to 90% of home's market value; 2nd lien position; credit score 740 or higher; Massachusetts assumptions; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.92% APR · checked 3 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
Auto Loan	-	-	4.99%	Up to 36 Months
Details Published rate includes 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Auto Loan	-	-	4.99%	Up to 48 Months
Details Published rate includes 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Auto Loan	-	-	4.99%	Up to 65 Months
Details Published rate includes 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Auto Loan	-	-	5.49%	Up to 72 Months
Details Published rate includes 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Auto Loan	-	-	6.99%	Up to 84 Months
Details Published rate includes 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Classic and Antique Auto Loan	-	-	8.24%	Up to 36 Months
Details Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Classic and Antique Auto Loan	-	-	8.24%	Up to 48 Months
Details Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Classic and Antique Auto Loan	-	-	8.24%	Up to 65 Months
Details Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Classic and Antique Auto Loan	-	-	9.24%	Up to 72 Months
Details Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 9.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Classic and Antique Auto Loan	-	-	10.74%	Up to 84 Months
Details Certain Classic and Antique vehicles require an appraisal and may have loan-to-value restrictions; published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 10.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Street Motorcycle Loan	-	6.25%	Up to 36 Months
Details Up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Street Motorcycle Loan	-	6.50%	Up to 48 Months
Details Up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Street Motorcycle Loan	-	7.00%	Up to 60 Months
Details Up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Large Recreational Vehicle Loan - Up to 60 Months	-	8.99%	Up to 60 Months
Details EMP Per $1,000: $20.75; Minimum Loan Amount: $5,000; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 8.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Large Recreational Vehicle Loan - Up to 72 Months	-	9.49%	Up to 72 Months
Details EMP Per $1,000: $18.27; Minimum Loan Amount: $15,000; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 9.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Large Recreational Vehicle Loan - Up to 84 Months	-	9.99%	Up to 84 Months
Details EMP Per $1,000: $16.60; Minimum Loan Amount: $15,000; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Large Recreational Vehicle Loan - Up to 120 Months	-	10.49%	Up to 120 Months
Details EMP Per $1,000: $13.49; Minimum Loan Amount: $25,000; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Large Recreational Vehicle Loan - Up to 180 Months	-	10.49%	Up to 180 Months
Details EMP Per $1,000: $11.05; Minimum Loan Amount: $50,000; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with qualifying direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Off-Road Motorcycle Loan - Up to 36 Months	-	10.85%	Up to 36 Months
Details Off-Road Motorcycle Loan Rates; EMP per $1,000: $32.67; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 10.85% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Off-Road Motorcycle Loan - Up to 48 Months	-	11.10%	Up to 48 Months
Details Off-Road Motorcycle Loan Rates; EMP per $1,000: $25.89; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 11.10% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Off-Road Motorcycle Loan - Up to 60 Months	-	11.35%	Up to 60 Months
Details Off-Road Motorcycle Loan Rates; EMP per $1,000: $21.92; Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria; Published rate includes a 0.50% discount with direct deposit of at least $500 per calendar month and electronic loan payment Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 11.35% APR · checked 2 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
DCU Visa Business Platinum Credit Card (Business Basic or Business Plus)	-	9.99%
Details As Low As; Rate: Prime Plus 5.00% (minimum APR 9.99%); variable margin 5.00% to 13.00% over Prime Rate based on credit history; Annual Fees:; Grace period not less than 25 days on new purchases; No cash advance transaction fee; Foreign currency transaction fee: 2% ISA fee Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
DCU Visa Platinum	-	12.25%
Details As Low As; Lowest APR for purchases, balance transfers and cash advances; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0; Foreign Currency Transaction Fee $0; Rates are variable based on the Prime Rate; Maximum rate is 18% Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 12.25% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
DCU Visa Signature Cash Rewards	-	15.00%
Details As Low As; Lowest APR for purchases, balance transfers and cash advances; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0; Foreign Currency Transaction Fee $0; Rates are variable based on the Prime Rate; Maximum rate is 18% Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.00% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
DCU Visa Platinum Secured	-	15.25%
Details As Low As; Lowest APR for purchases, balance transfers and cash advances; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0; Foreign Currency Transaction Fee $0; Rates are variable based on the Prime Rate; Maximum rate is 18% Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.25% APR · checked 3 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
Traditional Signature Loans - Up to 60 Months	11.99%	Up to 60 Months
Details Qualifications Required: Direct deposit of at least $500 per calendar month to checking (excluding HSA Checking); electronic loan payment; Personal Loans - Traditional Signature Loans; EMP Per $1,000: $22.24; Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month and pay your loan electronically Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 11.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
DCU Visa Signature Cash Rewards	15.00%
Details As Low As; Lowest APR for purchases, balance transfers and cash advances; Annual Fee $0; Balance Transfer Fee $0; Cash Advance Fee $0; Foreign Currency Transaction Fee $0; Rates are variable based on the Prime Rate; Maximum rate is 18% Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.00% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%

DCU Digital Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy Efficiency Loan - Fixed Rate	-	-	8.75%	Up to 60 Months
Details For adding insulation, upgrading your home's heating system, adding a pellet or wood-burning stove, adding storm windows and doors; EMP per $1,000: $20.64; Rates determined by personal credit history; Must qualify for an unsecured loan Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 8.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed Rate Student Refinance Loan - 10-Year	-	-	5.00%	10-Year
Details APR range: between 5.00% and 10.00%; fixed for life of loan; actual rate disclosed upon approval; rates shown include 0.25% discount for automatic electronic payments; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 5.00% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed Rate Student Refinance Loan - 15-Year	-	-	5.75%	15-Year
Details APR range: between 5.75% and 10.50%; fixed for life of loan; actual rate disclosed upon approval; rates shown include 0.25% discount for automatic electronic payments; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 5.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Fixed Rate Student Refinance Loan - 5-Year	-	-	4.75%	5-Year
Details APR range: between 4.75% and 9.50%; fixed for life of loan; actual rate disclosed upon approval; rates shown include 0.25% discount for automatic electronic payments; rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 4.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Quick Loan - Up to 12 Months	-	-	17.99%	Up to 12 Months
Details Quick Loan eligibility: DCU membership established at least 180 days for amounts $200 up to $2,000; no more than one Quick Loan open at a time and no more than 3 Quick Loans in a 180-day period. Rates effective October 22, 2026. Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 17.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Variable Rate Student Refinance Loan - 10-Year	-	-	6.00%	10-Year
Details APR range: between 6.00% and 11.00%; Variable APR based on Prime index plus margin; Rates shown include 0.25% discount for automatic electronic payments; Total Interest Paid: $32,650.01; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Variable Rate Student Refinance Loan - 15-Year	-	-	6.75%	15-Year
Details APR range: between 6.75% and 11.50%; Variable APR based on Prime index plus margin; Rates shown include 0.25% discount for automatic electronic payments; Total Interest Paid: $55,137.08; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 10.34%
Variable Rate Student Refinance Loan - 5-Year	-	-	5.75%	5-Year
Details APR range: between 5.75% and 10.50%; Variable APR based on Prime index plus margin; Rates shown include 0.25% discount for automatic electronic payments; Total Interest Paid: $14,481.70; Rates effective October 22, 2026 Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 5.75% APR · checked 2 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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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

Does DCU Digital Federal Credit Union offer CDs?

Yes. DCU Digital Federal Credit Union current CD rates include its 12 Month Regular CD at 3.50% APY, its 18 Month Jump-Up CD at 3.50% APY and its 24 Month Jump-Up CD at 3.25% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from DCU Digital Federal Credit Union NCUA insured?

Yes. DCU Digital Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at DCU Digital Federal Credit Union?

The highest DCU Digital Federal Credit Union CD rate is its 12 Month Jumbo CD at 3.75% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does DCU Digital Federal Credit Union offer?

DCU Digital Federal Credit Union CD rates are 3.50% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with DCU Digital Federal Credit Union for its full lineup.

What is the highest savings rate at DCU Digital Federal Credit Union?

The highest DCU Digital Federal Credit Union savings rate is its Primary Savings at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at DCU Digital Federal Credit Union?

The highest DCU Digital Federal Credit Union money market rate is its Money Market Savings at 3.50% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at DCU Digital Federal Credit Union?

The highest DCU Digital Federal Credit Union checking rate is its HSA Checking at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest 30 year fixed mortgage rate at DCU Digital Federal Credit Union?

The lowest DCU Digital Federal Credit Union 30 year fixed mortgage rate is its Purchase Jumbo 30 Years Fixed at 7.125%, verified by MonitorBankRates as of October 31, 2026. DCU Digital Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.625% for a 15 year mortgage and 6.625% for a 10 year mortgage.

What is the lowest auto loan rate at DCU Digital Federal Credit Union?

The lowest DCU Digital Federal Credit Union auto loan rate is its Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at DCU Digital Federal Credit Union?

The lowest DCU Digital Federal Credit Union personal loan rate is its DCU Visa Signature Cash Rewards at 15.00% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at DCU Digital Federal Credit Union?

The lowest DCU Digital Federal Credit Union credit card APR is its DCU Visa Business Platinum Credit Card (Business Basic or Business Plus) at 9.99% APR, verified by MonitorBankRates as of October 31, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do DCU Digital Federal Credit Union rates compare?

DCU Digital Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. DCU Digital Federal Credit Union's top rates are its 12 Month Jumbo CD at 3.75% APY, its Primary Savings at 5.00% APY, its HSA Checking at 0.10% APY, its Purchase Jumbo 15 Years Fixed at 6.625%, its Traditional Signature Loans - Up to 60 Months at 11.99% APR and its DCU Visa Business Platinum Credit Card (Business Basic or Business Plus) at 9.99% APR, verified by MonitorBankRates on October 31, 2026.

Current DCU Digital Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.25%
60-Month CD3.25%
Savings5.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

DCU Digital Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

DCU Digital Federal Credit Union Texas Ratio

DCU Digital Federal Credit Union Health Trend

DCU Digital Federal Credit Union CD Rates

DCU Digital Federal Credit Union Savings Rates

DCU Digital Federal Credit Union Money Market Rates

DCU Digital Federal Credit Union Checking Rates

DCU Digital Federal Credit Union Mortgage Rates

DCU Digital Federal Credit Union Home Equity & HELOC

DCU Digital Federal Credit Union Auto Loan Rates

DCU Digital Federal Credit Union RV, Boat and Powersport Loan Rates

DCU Digital Federal Credit Union Credit Card Rates

DCU Digital Federal Credit Union Personal Loan Rates

DCU Digital Federal Credit Union Other Rates

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Frequently Asked Questions About DCU Digital Federal Credit Union

Does DCU Digital Federal Credit Union offer CDs?

Are CDs from DCU Digital Federal Credit Union NCUA insured?

What is the highest CD rate at DCU Digital Federal Credit Union?

What CD terms does DCU Digital Federal Credit Union offer?

What is the highest savings rate at DCU Digital Federal Credit Union?

What is the highest money market rate at DCU Digital Federal Credit Union?

What is the highest checking rate at DCU Digital Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at DCU Digital Federal Credit Union?

What is the lowest auto loan rate at DCU Digital Federal Credit Union?

What is the lowest personal loan rate at DCU Digital Federal Credit Union?

What is the lowest credit card APR at DCU Digital Federal Credit Union?

How many branches does DCU Digital Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do DCU Digital Federal Credit Union rates compare?

Current DCU Digital Federal Credit Union Rates

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