Digital Federal Credit Union is a Federal Credit Union with 18 branches, assets of $4,395,790,049 that is headquartered in Marlborough, MA. Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for our members. DCU was chartered in October of 1979. Since then, DCU has been chosen... show more
Eligibility
Find out if you are eligible to join Digital Federal Credit Union.
Digital Federal Credit Union Reviews
5
32%
4
7%
3
4%
2
9%
1
47%
2.6
219 reviews
219 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Digital Federal Credit Union
dw_mordue @dw_mordue
Report Abuse
1 Star Rating
These people are CLOWNS - They never sent check to pay off my current car loan. They were provided payoff multiple times through their document upload portal. They were called 4 separate times and said they would process it, they never processed it or did anything with it, despite committing to process the payment in writing via email. Application was put in well in advance of Fed rate increase. They are now offering me a .500% higher rate despite an 800 Fico score and the fact that they let application expire after sitting on the payoff statement for 30+ days.
show more
show less
Product: Digital Federal Credit Union Car Loans
Comment
0
0
Digital Federal Credit Union
Lee @llgetty1
Report Abuse
5 Star Rating
Verified Customer
Digital Credit Union is a great place to bank, get a loan or get a lost or damaged card replace. Convenient hour and locations. Friendly and helpful staff..
show more
show less
Product: Digital Federal Credit Union Personal Loans
Comment
0
0
Digital Federal Credit Union
Bruce Gamblin @bwgambli
Report Abuse
2 Star Rating
Been a customer over 20 years. Recently moved my auto loan to them and they decided after moving it that they would dictate the terms of my insurance to me. They were very rude about it as well. I spoke to them once and then emailed them a complaint and they failed to respond to the email in the 2 days they claimed they would...about a week and a half later I get a call where they repeatedly say "I'm sorry you feel that way" and pointed to the fine print in the loan agreement (yea, I missed it but they didn't point it out either). So I paid the loan off - changing my insurance to make them happy would have cost me an additional $500 a year - the previous lender had no issue with my insurance. Then they tried to get me to go to the RMV so they wouldn't have to bother themselves with the title. They had previously mailed me a notice that they had the title & after I paid it off they mailed me one that claimed they didn't. When I said I was thinking of leaving them they said "I'm sorry you feel that way". I asked if they treat everyone like a number now they said "I'm sorry you feel that way". Looking for my next bank or credit union now. Customer service is dead at this one and a bait & switch is something the've apparently become OK with.
show more
show less
Product: Digital Federal Credit Union Car Loans
Comment
0
0
Digital Federal Credit Union
carolschreckkw @carolschreckkw
Report Abuse
2 Star Rating
Terrible online, chat, email and phone customer service with very limited online banking services. It used to be better - unfortuneately, I will be moving to a new bank.
show more
show less
Product: Digital Federal Credit Union Checking
Comment
0
0
Digital Federal Credit Union
revisioner @revisioner
Report Abuse
1 Star Rating
Attracted by DCU's advertised 6% interest rate on savings accounts, I spent the past hour going through their online application process. When I reached the point of funding the account, I submitted all my financial information, including passwords and security question responses to my account at another bank. I then received the notice that the application no longer accepted electronic funding options, and I was not provided any other option for funding the account. THE APPLICATION WAS A COMPLETE WASTE OF MY TIME. And I am now worried about having revealed all my existing security question responses in the application, so I will be resetting all of them. UGH!!!
show more
show less
Product: Digital Federal Credit Union Savings
Comment
0
0
Digital Federal Credit Union
Joe Trombona @mrtrombona
Report Abuse
1 Star Rating
I've been a DCU member for 41 years. They just changed their online banking system and it is 1000 time worse than horrible. Quicken links are completely gone, so there's no way to download my accounts to Quicken. The web interface is focused on marketing, not function or usefulness. The only good thing left is low interest on the VISA card, but I pay in full every month so that doesn't matter. I am actively shopping for another credit union. The only good thing is low interest on the VISA card, but I pay in full every month so that doesn't matter.
show more
show less
Product: Digital Federal Credit Union Checking
Comment
0
0
Digital Federal Credit Union
danielle8340 @danielle8340
Report Abuse
1 Star Rating
Worst bank ever!! They changed their computer system and stopped auto pay on people's loans. They don't inform the customer of these changes. Instead they send out late statements with included late fees! And mark the customer 20 days late on the loan! This is so unexceptable it's almost ridiculous!! Talking about not valuing your customers! Oh and on the late statement they say call immediately they list the phone number 800-328-8797 ×9038. When you call and put in the extension, it says it doesn't exist!! What? Really? This must be some kind of joke!! Just WOW!! I'm literally shocked! Never will I do business with this place again!! Run as fast as you can!!
show more
show less
Product: Digital Federal Credit Union Car Loans
Comment
0
0
Digital Federal Credit Union
Rick R @Rickyrosermk
Report Abuse
2 Star Rating
If you can't fix your banking issue online, and have to deal with a person your in for a world of frustration. Nobody at this credit union knows what thier doing. Have been fighting with them to report loan that was paid off over a year ago on credit report.. They are still showing it unpaid on one of 3 credit reports. Also thier collateral protection dept will put additional insurance on your vehicle even after you provide them with copies of full coverage by mail and on thier online site listing them as payee. Had to threaten them with voluntary repo, in order for them to take additional $1700 they tacked onto loan for additional insurance covererage after they were given copies of full coverage naming them as payee online and copies sent registered letter. Also good luck if your trading in a vehicle at a dealer that has a loan balance. It took my dealer almost a week to pay off vehicle because they couldn't communicate with anybody at DCU. There a huge dealer and never seen anything like this before. I've now using St. Mary's credit union at 1% higher interest rate just to stay away from DCU. They were a good credit union at one time but those days are long gone.
show more
show less
Product: Digital Federal Credit Union Car Loans
Comment
0
0
Digital Federal Credit Union
Tejas Patel @tej19852003
Report Abuse
1 Star Rating
I wish i could give minus(-) 1000 starts for this worst experience and waste of time. Worst Experience ever. I applied for auto loan which got approved. Later Applied for membership which got denied. applied 2 more times same membership which got declined without any reason given. Called customer service multiple times and after waiting also, stayed on called and spoke to 4-5 different representative about membership denied and not a single representative gave me reason to deny and what could i do differently to become member. All reps said my application is perfectly fine and no reason to deny. The membership team who takes the decision cannot be reach by direct customers like us. Just FYI - I have credit score 800+ and income $100k+. Also 8 years back i had auto loan which i paid off in 2 years of loan starting. But still couldn't get dcu membership this time.
show more
show less
Product: Digital Federal Credit Union Car Loans
Comment
0
0
Digital Federal Credit Union
tekvoodoo @tekvoodoo
Report Abuse
2 Star Rating
I have been using this bank more than 2 decades. Overtime the quality has fallen downhills. Recently released dcu.org web interface and mobile app is so terrible hard to bank with DCU. Once I establish a good CU account, I am going to switch. I would not recommend anyone to open account in DCU.
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.
