Personal and Business Banking

What Can DCU Save You?

The Home Depot Data Breach: What You Need to Know Regarding The Home Depot Breach. Learn More.

  • This Fall, Use Your DCU Visa®.
  • Make the Switch to DCU Free Checking.
  • A Lower Mortgage Payment Could be a Click Away.

Overpaying for Your Car?

DCU Free Checking

A 2nd Chance Car Loan could lower your monthly payment, your interest rate, or both!

Learn More

Considering Early Retirement?

Online Balance Transfer

Deciding whether to take an early retirement is an important decision. We can help.

Learn More

Student Loans on Your Mind?

DCU Student Loans

Finding a way to pay for college is a math problem that we can help you solve.

Learn More

Share DCU

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

Share DCU
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

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 3.875% 4.12% $4.70
1 points 4.000% 4.16% $4.77
0 points 4.125% 4.21% $4.85
NPNC 4.625% 4.66% $5.14
20-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.500% 3.84% $5.80
1 points 3.625% 3.85% $5.86
0 points 3.750% 3.86% $5.93
NPNC 4.375% 4.42% $6.26
15-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.875% 3.29% $6.85
1 points 3.000% 3.27% $6.91
0 points 3.125% 3.25% $6.97
NPNC 3.750% 3.80% $7.27
10-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.625% 3.23% $9.48
1 points 2.875% 3.27% $9.60
0 points 3.000% 3.18% $9.66
NPNC 3.500% 3.56% $9.89

*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.