Digital Federal Credit Union

Been a member for the past 3 years. Call center wait times are exceeding 1.5 hours at any point in the day, and the calls drop periodically, resetting your place in line. The agents themselves are sometimes great, sometimes not.

WAIT TIMES ALWAYS 2-4 HOURS! And there is no "call you back at this phone number" option. You have to secure your loan over the phone as the last step. But they seem to have 2 people employed to do this, and regardless of time of day or day of week, they have insane wait times. I was on for 2 hours waiting then took out my AirPods and the call dropped. Nothing to do but start again. And this is after I called the first time, and they told me on the phone their system messed up and I needed to upload more documents and I'll have to call back when that is done later. Starts me again.

Rates were good, service atrocious.

DCU is a FRAUD. On their website for auto loan, in mentions in order to qualify for Plus benefits, I need to maintain ACH. This is the fine print: "How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits." However, now they say I need it's ACH w/NET PAY. This is very misleading and fraudulent marketing in order to attract new customers. Definitely don't bother opening an account with them if you don't plan to deposit your entire paycheck to obtain the Plus benefit discount rate.

I had very bad experience with DCU Mortgage loan, they postponed my closing date since they delayed their paperwork and it got into lot of my commitments got delayed and their service is really bad.

I had the contact customer service a few times and they are ALWAYS super pleasant and so helpful. The rates can’t be beat. I am extremely happy with digital.

It seems like an easy process until you actually want to get in touch with them regarding some questions. Their wait times are almost a minimum of 2 hours at any time of the day. Also, I had a very unpleasant experience with one of the representative at the loan application department. He was very rude and failed to get his point politely to me.

We applied to DCU for a new car loan, and ultimately went with another credit union due to poor customer service at DCU. Seemed like minor stuff - long wait times on calls, difficult signup for online banking, and getting a run-around on basic questions. But they got ugly fast - even though we NEVER signed a loan with them, and financed our car through a completely different lender in another state, THEY ISSUED A FALSE LIEN on our our new car. Despite us not even having open accounts with them. When the title came in the mail there they were - how? We have no idea... we NEVER signed a loan with them. Now, I have a long paperwork trail to get a clean title even though I don't have a single dollar in an account a this SCAMMY UNSCRUPULOUS bank. Check their Better Business Bureau rating of 1.4 stars and over 50 complaints in the last year - https://www.bbb.org/us/ma/marlborough/profile/credit-union/digital-federal-credit-union-0021-86036

Laughable to have the word Digital in this CU's name. I can't even submit a deposit online without jumping through hoops. And when I can finally get to someone in customer service they are pretty worthless. Took 4 agents (chat is pointless btw, clearly a 3rd party vendor) to finally tell me "oops, we messed up". I'm done with these guys

My boyfriend couldn’t afford his truck loan, he lost his job due to COVID-19. Tried to give vehicle back. They said they are repoing it, never did. Then they said no, owing more than vehicle is worth. Now he is stuck with a truck & owes $4000 and it’s not worth $100. They won’t help him saying he can’t get the title because he owes this money. Can’t sell it because they won’t approve offer. They won’t work with him. So it’s sitting in backyard rotting away.