Digital Federal Credit Union
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1 Star Rating
Horrible. Tellers rude laughing and mocking customers. Managers huddling out in the open to dicuss customers. Just horrible.
Product: Digital Federal Credit Union Checking
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Digital Federal Credit Union
Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for their members. DCU was chartered in October of 1979. Since then, DCU has been chosen as the credit union for more than 700 companies and organizations. DCU serves more than 1 million members and their families... show more
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Digital Federal Credit Union Reviews
2.6
333 reviews
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Digital Federal Credit Union
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2 Star Rating
I have to agree with people leaving negative reviews. I worked for DEC for 25 years and have been a member of DCU since 1989. Service over the last 10 years has gotten steadily worse. I thought it was bad during COVID when all the branches were closed, but it's not much better now. I am still waiting for DCU to resolve a VISA dispute and they said it can take up to 90 days, after which they can deny my dispute and hold me responsible for interest and late charges. This is how they treat a member of 37 years. Apparently, they have too many members and not enough staff. That can change. Either hire more staff or see your members leaving.
Product: Digital Federal Credit Union Credit Cards
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Well after nearly 3 months Card Service has denied my credit card dispute. Time to close out my Visa account with DCU. I've had this card for years (decades), during that time I've disputed maybe 1 or 2 charges. They were resolved quickly and in my favor. No more Mr Nice Guy. They don't care.
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Digital Federal Credit Union
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1 Star Rating
ZERO! One star is too much. DCU denied my legitimate business account despite my submitting all official documents multiple times. They gave no clear explanation, no transparency, and made no effort to inform or assist me. Other institutions verified everything easily and approved me. This was not business-friendly and was a very frustrating experience. Do not open an account with DCU; they take all my information and deny me with no valid reason or attempt to be forthcoming, as expected from a financial institution.
Product: Digital Federal Credit Union Business Services
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Digital Federal Credit Union
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1 Star Rating
I cannot believe how far downhill DCU has gone. I've been a member since 1988. I have been experiencing nothing but problems in the last few years. My whole family are members, and that is likely to change, at the very least for me and one other member. The most recent issue is that I received a paper copy of my auto loan statement unexpectedly. I never activated paper statements. When I emailed to inquire about it, they said I don't have an auto loan, which is odd since I have two. I then chatted with them, and they supposedly corrected this (we'll see). They had no idea why the person who answered my email was unaware that I have an auto loan. Now, I have to sign something to confirm the change, a change I never requested. This is a needless waste of time for everyone. I'm switching; I've had enough.
Product: Digital Federal Credit Union Car Loans
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Digital Federal Credit Union
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1 Star Rating
DCU was good 10 years ago when I started to work with them. Lately, call waits have exceeded 45 minutes, averaging 1.5 hours on the phone with them. Trying to get answers from them feels like solving a riddle, where no one has a definite answer, and they all try to reroute the call to a new agent who asks the same questions all over again, only to end the call without a final answer.
It's the worst for working with business owners. Use this bank if you like to waste your time.
It's the worst for working with business owners. Use this bank if you like to waste your time.
Product: Digital Federal Credit Union Personal Loans
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Digital Federal Credit Union
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1 Star Rating
This bank is a disappointment. I have been a member for over a year now. They sent me a quick loan pre-approval for $2,000.00, so I applied. After almost two weeks, they denied the application and then decided to put my membership and checking account under review. Now I'm locked out of my account and cannot get answers. They said I would have to wait for a letter in the mail. They are full of it, and advise people not join this bank. Just trying to save you the headache.
Product: Digital Federal Credit Union Personal Loans
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Digital Federal Credit Union
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1 Star Rating
I applied for a student loan through DCU and was approved. I was so happy. I only needed to do two things: provide pay stubs and join the credit union. So, I applied to join the credit union and what do you know, I get denied and can't get my private student loan. Even though by law, if you receive an adverse notice, they have to give you specific reasons why you were denied. When I spoke with DCU about why I was denied, they stated they don't share those reasons. I never miss an opportunity to tell people how terrible this credit union is.
Product: Digital Federal Credit Union Personal Loans
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Digital Federal Credit Union
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1 Star Rating
Horrible service. Every customer service agent gives a different answer. I have wasted so much time with DCU just trying to get my car title after having paid off my loan over 8 months ago. I will never use DCU again, and recommend against using it to anyone considering it.
Product: Digital Federal Credit Union Car Loans
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Digital Federal Credit Union
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2 Star Rating
DCU used to be a good bank, but now their service is worse. Every time you call them, you will get a different answer. It looks like customer service doesn't know the answer to your query and keeps telling you to resolve loans to get you the required access. I wouldn't bank with a credit union again. This is one of the worst banks I have seen recently.
Product: Digital Federal Credit Union Checking
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Digital Federal Credit Union
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1 Star Rating
Disgusting business that does not properly disclose information prior to beginning loan applications. They did not disclose that I would be required to submit two years of my tax returns and 1099s prior to submitting the application. They called me after they ran my credit and had me submit my most recent pay stubs, only to tell me that my pay stubs, which prove my income, were not acceptable and that I would be required to provide the previously mentioned documents. They ran a hard inquiry on my credit without informing me that I would need to provide those documents. I'm fine with providing my pay stubs, as that is pretty normal, but I am not giving them my personal tax returns. Who knows what a business with poor disclosure practices like this will do with my private financial information? After I submitted the application, I requested a copy of my application, and they denied me a copy of my own application. To be honest, I'm glad they are not becoming my lender now, but I am absolutely livid about the hard inquiry. Oh, and also, I refrained from using profanity in this because that's how businesses that receive bad reviews get them removed. Just know I'm absolutely beyond upset and want to use strong language to describe this business's practices, but won't because I want this review to stay online to warn others not to use this company for any reason.
Product: Digital Federal Credit Union Car Loans
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Digital Federal Credit Union
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1 Star Rating
DCU is not what it once was. You might as well stick with Bank of America. At least their fraud protection department actually prevents fraud! I have multiple checking, savings, and loans here that I am now looking to move.
This feels just like a big box bank now, and after being a customer for over a decade, I am considering leaving to find a smaller credit union that offers actual customer service and fraud protection.
If you are looking for a credit union where the members matter, this is not it. Greed takes over again. What a shame.
This feels just like a big box bank now, and after being a customer for over a decade, I am considering leaving to find a smaller credit union that offers actual customer service and fraud protection.
If you are looking for a credit union where the members matter, this is not it. Greed takes over again. What a shame.
Product: Digital Federal Credit Union Checking
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Digital Federal Credit Union
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1 Star Rating
If I could give a zero, I would. My story is the same as others. I was given the runaround after approval, got a finalized loan and a credit pull to boot, and then after saying they were going to send the check, they canceled my account because they couldn't verify anything despite telling me the process was complete.
Product: Digital Federal Credit Union Car Loans
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Digital Federal Credit Union
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1 Star Rating
Verified CustomerYou guys are predatory. I missed one payment by 37 days, and fixed the payment, yet my credit score dropped 80 points. I paid on time for six months and it never went up a point. I will do everything in my power to make this known. Now, if I need help, I can't get it.
Product: Digital Federal Credit Union Personal Loans
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Digital Federal Credit Union
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1 Star Rating
they really put me through the ringer. they conditionally approved my application. i was thinking "ok an appraisal, some pay stubs, w2's" ...there was several weeks of asking for additional documents. every new document took them a week to review. i was left in limbo for 5-6 weeks. they even asked me to put DCU as an additional interest on the HOA master flood policy which, i was informed, is against federal law. they asked me for personal letters from my employers, the hoa, and property managers. i had to get every single person and their mother involved with this application. the icing on the cake was they asked me to get additional flood coverage on my unit. i'm supposed to pay an unneccessary $500 a year just to have a line of credit open to me? the HOA already has a flood policy. DCU said all mortgage companies require additional flood coverage. i said the mortgagee who has held the primary note for 4 years must not know about that rule because i shopped around and had 3 mortgage approvals when i bought the place. i withdrew my application. the people working here don't know what they're doing. eastern bank approved my loan and funds available in one day.
Product: Digital Federal Credit Union Home Equity
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Digital Federal Credit Union
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1 Star Rating
Verified CustomerI would never recommend it. My wife applied and provided all documents. and after she was approved, they dienied it because they couldn't verified the income. However, I will say this situation clearly looks like discrimination.
Product: Digital Federal Credit Union Car Loans
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Digital Federal Credit Union Q&A(34 questions)
Get answers to your questions about Digital Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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0
UpvotesIs Digital Federal Credit Union insured?
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Ramses Delgado
Yes, a Digital Federal Credit Union account is NCUA-insured up to $250,000 per customer, per account ownership category. This means that even if Digital Federal Credit Union fails, you will eventually be able to recover an individual account's balance up to $250,000.
If you have a joint account, each co-owner of the account is considered a separately insured customer. As a result, you can collectively recover the account's balance up to $500,000 in the event of a bank failure, assuming you have no other shared accounts.
Digital Federal Credit Union Products Covered by NCUA Insurance
- Checking accounts
- Savings accounts
- Money market accounts
- Certificates of deposit (CDs)
2
UpvotesWhat types of CDs are offered by Digital Federal Credit Union?
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Sydney Garth
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...
1
UpvoteHow can I get a cash advance with my DCU Visa Platinum Secured card?
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Chip Lupo
Getting a cash advance with the DCU Visa® Platinum Secured Credit Card is not a great idea because it is a secured credit card, which means it's meant for building credit, not for withdrawing cash. Secured card credit limits are usually equal to the amount of the security deposit you put down to open the account. So, a cash advance with the DCU Visa® Platinum Secured Credit Card wouldn't really let you borrow any money.
It's also important to note that a credit card...
1
UpvoteHow often does Digital Federal Credit Union change their savings accounts APY?
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Sydney Garth
Digital Federal Credit Union changes their savings accounts APY every week.
1
UpvoteWhat's the Digital Credit Union car loan requirement?
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Patrick Murphy
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.
0
UpvotesWhat is the minimum opening deposit for a Digital Federal Credit Union savings account?
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Ramses Delgado
The Digital Federal Credit Union Primary Savings Account requires a $5 minimum opening deposit, and to apply for it you must meet Digital Federal Credit Union's eligibility requirements. It offers an APY of 5.00% for balances up to $1,000.
Keep in mind that these rates and features can change without prior notice. For the most up‑to‑date information, visit the Digital Federal Credit Union website or contact its customer service by phone at (800) 328-8797.
You can compare the best savings accounts here...
0
UpvotesWhat is Digital Federal Credit Union savings account APY?
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Ramses Delgado
The Digital Federal Credit Union Primary Savings Account offers an APY of 0.05% - 5.00% which varies based on your balance. The account requires a $5 minimum opening deposit and does not charge a monthly fee.
To open an account with Digital Federal Credit Union, you must meet its membership eligibility requirements. Keep in mind that rates can change without prior notice. For the most up‑to‑date information, visit the Digital Federal Credit Union website or contact its customer service by phone at...
0
UpvotesWhat are the Digital Federal Credit Union CD rates?
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Ramses Delgado
The Digital Federal Credit Union CD has an APY of 3.00% - 3.75%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
- 3-Month: 3.75% APY
- 6-Month: 3.50% APY
- 1-Year: 3.25% APY
- 2-Year: 3.00% APY
- 3-Year: 3.00% APY
- 5-Year: 3.25% APY
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the Digital Federal Credit Union website.
You can check the best CD rates available for you to make sure that whatever decision you go for really fits your goals.
0
UpvotesWhat are the Digital Federal Credit Union locations in Peachtree City?
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Ramses Delgado
Currently, Digital Federal Credit Union does not have any branches in Peachtree City, GA. It primarily operates branches in Massachusetts, and New Hampshire.
To find the nearest Co-Op branches and ATMs, visit Digital Federal Credit Union's website or contact their customer service at (800) 328-8797.
You can check the best checking accounts available to ensure that whatever decision you make really fits your goals.
0
UpvotesHow can I open a Digital Federal Credit Union Free Business checking account?
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Ramses Delgado
To open a Digital Federal Credit Union Free Business Checking, you need to fill out the application form and bring it to a branch. However, you must meet Digital Federal Credit Union's eligibility criteria.
Once your application is approved, follow these steps:
- Provide Business Information: Furnish your business details, including the name, address, Sole Proprietor's SSN or EIN assigned to the business entity, email address, and phone number.
- Review and Agree to Terms and Conditions: Carefully...
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
