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DCU Digital Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

DCU Digital Federal Credit Union's savings rates are at 3.00%. 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 12.00%. MonitorBankRates evaluates the financial stability of DCU Digital Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.02%. Rates last updated and verified on 09/18/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.02%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
DCU Digital Federal Credit Union
Hillsboro Corporate
5100 NE Dawson Creek Dr
Hillsboro, OR 97124-5704
https://www.dcu.org
Member NCUA

DCU Digital Federal Credit Union Savings Rates

Product Rate APY View More
Primary Savings - 5.00%
Min Deposit $5
Min Balance $0
Details On Balances Up To $1000.00
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%
Primary Savings - 5.00%
Min Balance $1,000
Details As High As 5.00% APY On Balances Up to and including $1,000. Learn More See Disclosures
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%
Money Market Savings - 3.50%
Min Deposit $0
Min Balance $500,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%
Advantage Savings - 3.00%
Min Deposit $0
Min Balance $0
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%

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 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%

DCU Digital Federal Credit Union Checking Rates

Product Rate APY View More
HSA Checking - 0.10%
Min Deposit $0
Min Balance $0
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%

DCU Digital Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Refinance Loans - - 4.99%
Details As Low As 4.99% APR Rate is subject to change after consummation. Learn More See Disclosures
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%

DCU Digital Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 12.00%
Details $0 Annual Fee. Learn More See Disclosures
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%

DCU Digital Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 11.99%
Details As Low As 11.99% APR Rate is subject to change after consummation. Learn More See Disclosures
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.02%
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.
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Financial Health History

DCU Digital Federal Credit Union’s Texas Ratio rose from 5.46% in Q2 2023 to 8.02% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.46% A+ Q2 2023 A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 8.02% A Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$28.6B8.02%5.0A
December 31, 2025$13.1B9.12%5.0A
September 30, 2025$12.9B8.74%5.0A
June 30, 2025$12.7B8.46%5.0A
March 31, 2025$12.9B7.92%5.0A
December 31, 2024$12.6B8.55%5.0A
September 30, 2024$12.1B8.64%5.0A
June 30, 2024$12.0B8.38%5.0A
March 31, 2024$12.3B7.83%5.0A
December 31, 2023$12.1B7.56%5.0A
September 30, 2023$12.0B6.52%5.0A
June 30, 2023$12.0B5.46%5.0A+
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 5100 NE Dawson Creek Dr, Hillsboro, OR 97124-5704
Phone 855-855-8805
Fax
President Jeff Hank
CEO Shruti Miyashiro
Full-Time Employees 3,365
Part-Time Employees 70
Branch Locations 60
ATM Locations 56
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.02%
Return on Assets (ROA)
0.1577%
Return on Equity (ROE)
1.5012%
Non-Performing Loans Ratio (NPL)
1.23%
Total Assets
28,579,913,967
Total Amount of Shares and Deposits
24,592,588,657
Total Shares and Deposits < 1 Year
23,716,132,306
Total Shares and Deposits 1 3 Years
779,062,007
Total Shares and Deposits > 3 Years
97,394,343
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,582,589,989
Total Uninsured Shares and Deposits > $250K (F+J)
2,582,589,989
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,009,998,668
Total Interest Expense (Sum of items 6 8)
129,386,228
Share Certificates
108,539
Number of Accounts for Share Drafts
1,289,045
IRA KEOGH Accounts
24,282
Number of Accounts for Regular Shares
2,224,789
All other shares
14,333
Non Member Deposits
32
Money Market Shares
244,786
Net Income (unless the amount is already included in Undivided Earnings)
45,081,505
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)
2,398,444,414
Total Liabilities
25,638,533,734
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 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.

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 — no need to download or upload anything.

<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.svg"
       alt="MonitorBankRates Verified Healthy Badge 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
1
Add Your Rating and Review for DCU Digital Federal Credit Union
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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.

Current DCU Digital Federal Credit Union Rates

  • Savings3.00%
Retrieved from our database of financial products. Rates subject to change.

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