Find out if you are eligible to join Digital Federal Credit Union.
Been with DCU for 25 years. Sadly just about to close my business with them for good. DCU has lost sight of their members being number one and what made them at one time a great credit union. They have no option for a joint account. My wife who is the "secondary" on our account wanted to purchase a car, they needed my permission for a $20k loan yet she could go write a check on our account for $100k without my permission. They have no option for a 50/50 account. If I was out of town on business or on my death bed and my wife needed a loan she would not be able to do this without me being available. Their wait times are in the hours and they have said they are trying to hire still after two years. Here's a tip DCU: stop spending millions on promotions at the DCU center and focus on your members (Customers) and hire some staff.
Wish I could give it zero stars because that's what it deserves. It's impossible to get a hold of anyone, they don't even provide the direct numbers to the actual branches. They want you to go through their information center. Every single time I've called the wait time has been approximately 1.5 hours to 2.5 hours. Even when you sign up for the call back service, I've never had a single person call me back. It's been impossible to get a hold of them. Attempting to switch my auto loan from DCU to another bank was a nightmare. DCU refused to answer calls and it's been a month and they have still refused to send the title to the new owners of the loan. Even though the new bank completely owns the loan. DCU got their check for my new bank and have refused to send over the title. Additionally each time I spoke to someone at DCU, on the rare occasion that actually happened, I felt like they were extremely rude. I do not recommend this credit union to anyone. There's no way to get a hold of an actual human being quickly. Use literally any other bank.
I have been banking with DCU for 20+ years. I was a happy customer with their service. Lately they lost service mode and counting money. I recently experienced worst service and no one is accountable there. They just hired bunch of bodies who are not competent enough to address issue or provide required services. I would close all my accounts and move to better banks.
It wasn't my fault for the late lament, my account was hacked in may and they didn't allow me access to the account till 9/3/21.
There are 4 types of CDs offered by Digital Federal Credit Union. All of them offer a 0.2% APY.
The Regular Certificate requires a $500 minimum to open and is available for terms between 3-60 months.
The Jumbo Certificate has the same terms availability, but requires a minimum of $25,000 to open.
The Jump-Up Certificate also requires $500 to open, and its available terms are 15 or 27 months.
Lastly, the Quickstart Certificate requires only $100 to open, and the available terms are between 3-60 months.
Digital Federal Credit Union changes their savings accounts APY every week.
DCU does not publicly state the car loan requirements, but approval and rates are determined by your personal credit history, loan term, account relationship, and payment method.
Yes, Digital Federal Credit Union offers credit-builder loans. Digital Federal Credit Union has credit-builder loans of $500 - $3,000 with an APR of 5% and repayment periods of 12 - 24 months. To apply for a credit-builder loan from Digital Federal Credit Union, you need to be a member of Digital Federal Credit Union, be 18 or older, and have a Social Security number.
With a credit-builder loan, Digital Federal Credit Union puts a sum of money into an interest-bearing account for the “borrower.” That person then pays the lender in monthly installments, plus interest, and receives the money in the savings account at the end of the loan term.
Digital Federal Credit Union also offers other options to improve your credit if you think a credit-builder loan isn't right for you, like credit cards or personal loans.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers:
