DCU Digital Federal Credit Union Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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 by leaving a review below, or read customer reviews before you decide to use . DCU Digital Federal Credit Union Texas RatioDCU Digital Federal Credit Union's Texas Ratio is at 9.98%, which is considered excellent. The Texas Ratio for DCU Digital Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that DCU Digital Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
DCU Digital Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, DCU Digital Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 95/100
DCU Digital Federal Credit Union has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/06/2026
DCU Digital Federal Credit Union
Operations Center 853 Donald Lynch Blvd
Marlborough, MA 01752 
Current Rate AvailabilityWe do not have DCU Digital Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: DCU Digital Federal Credit Union
Website: https://www.dcu.org
Full Time Employees: 1665Part Time Employees: 71 President: Wayne Haubner CEO: Shruti Miyashiro Branch Locations: 23 ATM Locations: 24 Corporate Office Address:
853 Donald Lynch Blvd
Marlborough, MA 01752 Phone Number: 508-804-9705 Fax Number: FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (95/100)
Texas Ratio:
9.98%
Return on Assets (ROA):
0.6101%
Return on Equity (ROE):
6.2371%
Non-Performing Loans Ratio (NPL):
1.17%
Total Assets:
12,863,239,970
Total Amount of Shares and Deposits:
11,404,680,861
Total Shares and Deposits < 1 Year:
11,176,867,272
Total Shares and Deposits 1 3 Years:
189,213,575
Total Shares and Deposits > 3 Years:
38,600,014
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
893,755,943
Total Uninsured Shares and Deposits > $250K (F+J):
893,755,943
Total Insured Shares and Deposits > $250K (item 17 less item K):
10,510,924,918
Total Interest Expense (Sum of items 6 8):
159,481,770
Share Certificates:
43,402
Number of Accounts for Share Drafts:
909,667
IRA KEOGH Accounts:
13,855
Number of Accounts for Regular Shares:
1,323,774
All other shares:
14,381
Money Market Shares:
175,262
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,273,847,832
Total Liabilities:
11,600,855,641
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsjUKZ
December 17, 2025
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Frequently Asked Questions About DCU Digital Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, DCU Digital Federal Credit Union provides a range of mortgage and home equity products. Is DCU Digital Federal Credit Union a safe place to deposit money?Yes, DCU Digital Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does DCU Digital Federal Credit Union offer online and mobile banking?Most modern institutions like DCU Digital Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare DCU Digital Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.61%, 6-month share certificate rates at 3.63% and 3-month share certificate rates at 4.00%. Savings rates are at 0.25% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates, and more, can be found in our database of rates which you can compare to 
