Personal and Business Banking

What Can DCU Save You?

Holiday Timeframes for Wire Processing

Since DCU will be closing at 1pm on Wednesday, December 24th and will be closed on December 25th, our wire processing times have changed. Please see our updated schedule for details.

  • It's back! Enjoy 1% cash back on Visa® credit card purchases from Thanksgiving through New Year's Eve!
  • Payday can come up to two days early with Direct Deposit into your DCU Free Checking Account.
  • Teach your child about money the fun way with Barnyard Cents!

Take Your Accounts With You

DCU Mobile Apps

Your DCU accounts go wherever you go with the DCU Mobile app on your smartphone.

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Ditch Those High Rate Cards!

Online Balance Transfer

Transfer your high rate card balances to a DCU Visa and start saving today.

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Fixed Rate or ARM?

DCU Mortgages

No matter your preference, we've got the mortgage options and rates to fit you.

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Share DCU

Let your friends and family know about banking the DCU Way.

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Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825


Federally Insured by NCUA

© 2014 Digital Federal Credit Union

New Hampshire Branches
Scheduled Closings – Branches and Information Center will be closing at 5:00pm on December 31st and will be closed on January 1st for New Years.
DCU Financial

220 Donald Lynch Boulevard

Marlborough, MA 01752-9130

800.328.8797, ext. 6077


Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. DCU and DCU Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. The DCU Financial site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, CA, CT, CO, DE, FL, GA, IL, IN, KS, KY, ME, MD, MA, MI, MN, MO, MT, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, and WI
Not NCUA Insured
Not Credit Union Guaranteed
May Lose Value
Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
30-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.625% 3.87% $4.56
1 points 3.750% 3.91% $4.63
0 points 3.875% 3.95% $4.70
NPNC 4.500% 4.56% $5.07
20-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.375% 3.71% $5.74
1 points 3.500% 3.72% $5.80
0 points 3.625% 3.73% $5.86
NPNC 4.250% 4.29% $6.19
15-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.750% 3.16% $6.79
1 points 2.875% 3.15% $6.85
0 points 3.000% 3.13% $6.91
NPNC 3.625% 3.67% $7.21
10-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.500% 3.10% $9.43
1 points 2.625% 3.01% $9.48
0 points 2.750% 2.93% $9.54
NPNC 3.375% 3.43% $9.83

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $417,000 (also known as "conforming mortgages").

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

NPNC = No Points, No Closing Costs program. The minimum loan for NPNC is $100,000.