Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , for important information and disclosures. Better rates, lower fees, personal attention! DCU is a good credit union. Contact [email protected] to report inaccurate info or to request offers be included in this website. Call again 3-4 hours wait.What is the matter with these people. Really great experience with this credit union so far. Needed to call for title. Copyright (2021) LendingTree, LLC | All rights reserved. 220 Donald Lynch Boulevard Always verify rates and promotions with the bank or credit union. Certificate accounts are offered in term lengths ranging from 3 to 60 months and usually offer higher than average interest rates. Early Termination Fees: A penalty will be imposed if you make a withdrawal of principal prior to the maturity date. Promo Co… Digital Federal Credit Union (DCU) Reviews — Savings, CD, Checking, Money Market and IRA Accounts. I like my banking simple , deposit here , pay a bill there, but for some reason I think they cheeped out on the app design and have made it hard to navigate . Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. The high rate we pay on the first $500 of your balance is a reward for getting started. Other conditions may apply. Final Balance: $1061.68 Other conditions may apply. Find out what other members have shopped for after viewing this product. Digital Equipment Corporation, a computer company trying to grow its list of employee benefits, originally organized digital Credit Union in 1979. Membership in DCU is open to anyone through membership in Reach Out for Schools ($10 fee), Merrimack River Watershed Council, Inc. ($35 fee) and other select organizations. We also do not charge a balance transfer fee if you have higher rates on outside credit cards and have a DCU Visa. I applied for DCU's primary savings account that gives you 6.17% interest on $1000, but I was denied because of my Chexsystem profile. DCU also provides mobile banking through a free smartphone app from which members can access and manage their accounts and perform remote deposits. Friendly, competent, and professional. ¹APY=Annual Percentage Yield. 1 $1,209 is the difference between the amount paid in interest between Diamond Credit Union's rate at 2.75% APR compared to 4.24% APR for the Florida market average over the life of a $25,000 auto loan over 72 months. DCU offers its members products and services for personal and commercial banking, asset management, insurance, and realty. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. In this review, we’ll cover: Savings account options CD rates Checking account options Money market account IRA options DCU savings account options Primary Savings … It is on the front edge of banking technology and seeks to offer its members highly sophisticated means to manage their accounts. That's it. DCU just raised their rate to get some more business I am sure. Fees may reduce earnings on the account. Interest rates on savings accounts vary greatly, which means you need to shop around to find your best rate available. But overall I give it a 3.5 right now . Expiration: None listed 3. Credit Inquiry: Soft Pull or Hard Pull?Let us Know! Balances over $1k earn .25% APY While we strive to only link you to companies and organizations that we feel offer useful information, DCU does not directly support nor guarantee claims made by these sites. You earn 6.17% on the first $1,000 in your account — the highest rate we've seen yet. Rates and terms are subject to change without notice. These include: ATM card availability: Access to an ATM account allows members to withdraw or deposit money at any time. This month marks my 40th anniversary with the Digital Federal Credit Union. They are the best around. Membership Savings Includes Member Shares, Savings, Kids Accounts, Christmas Savings & Special Skip To Main Content. Always recommend them. Even your smallest questions are our biggest concerns. Certificate accounts are offered in term lengths ranging from 3 to 60 months and usually offer higher than average interest rates. ABA Routing Number: 211391825 Interest: 6.00% I would like to withdraw the overage, but I don't - 6201707 - 2 We are not Digital Federal Credit Union (DCU); we are a rate comparison website and cannot provide official rates or promotions. Monthly Service Fee: None 8. !I've had it with the DCU! Privacy and security policies of DCU will not apply once you leave our site. APY: 6.16778% DCU’s savings and money market accounts offer interest when certain conditions are met, including a minimum account balance. The web platform also provides check imaging and is connected to Quicken to help members with their budgeting process. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. That's why we designed our Primary Savings account to encourage you to save money by paying one of the highest rates in the country. MINIMUM TO EARN: $0.00 MONTHLY FEE: $0.00 Earn 6.17% APY On A $1000 Max Deposit, No Gimmic, No Fees, 8/12 - Earn 6.17% APY On A $1000 Max Deposit, No Gimmic, No Fees, 12/19/12 - Free FICO Credit Scores At DCU, 11/19/12 - Special 8-Month CD Rate at Digital Federal Credit Union - Easy Membership, 10/5/11 - Top CD Rates at Digital Credit Union in MA - Easy Membership, 8/2/11 - DCU One Year 1.36% APY CD, $25K+, With Unlimited Add-Ons, 1/24/11 - Top CD Rates Continue at Digital Credit Union in MA - Easy Membership, 8/5/10 - Competitive CD Rates at Digital Credit Union in MA, GA & CO - Easy Membership, 3/14/10 - Free FICO Credit Scores at Digital Credit Union - Easy Membership, 2/10/10 - Special 14-Month CD at Digital Credit Union in MA, CO & GA - Easy Membership, 10/8/09 - 2.00% 9-Month CD at Digital Credit Union - Easy Membership, 1/5/09 - 3.75% 11-Month CD & 3.25% 4-Month CD at Digital Credit Union - Easy Membership, 12/24/08 - 4.50% 16-Month / 4.00% 8-Month CD at Digital Credit Union - Easy Membership, 8/5/08 - 4.50% 20-Month CD at Digital Credit Union - Easy Membership, 6/23/08 - 4.00% 15-Month CD at Digital Credit Union - Easy Membership, 11/27/07 - 5.20% 5-Month CD at Digital Credit Union - Easy Membership, 12/2/06 - DCU's 6% 16-Month CD Ends, Offers New CD Specials and Rates, 11/3/06 - 6.00% 16-Month CD at DCU Still Available To All, 7/26/06 - 6.00% 16-Month CD at Digital CU (Open to All), 6/26/06 - 5.50% 11-Month CD at Digital Credit Union (open to all), 12/12/05 - DCU's 5% 16-Month CD Special is Back, 8/18/05 - 5% APY 16-Month CD at Credit Union, 12 - 23 Month Jumbo CD (12 Month Add-on permitted), 12 - 23 Month CD (12 Month Add-on permitted). Digital Credit Union serves hundreds of companies and organizations, as well as hundreds of thousands of members and their families in every state of the country. Keep in mind that many banks mark up the exchange rate by 4-6%, plus there are normally 1-3 intermediary and recipient banks who also charge fees.. The only fault I would find with them is their interest rates on savings are a little low compared to some other credit unions, I am writing this review because I read several bad reviews here that had two things in common. https://www.dcu.org/ban. Savings based on best performing Diamond Credit Union products: New Car - 72 Mo, Rewards Credit Card, and 5/1 ARM. They offered 3% on the first 1k 2012-2017, 5% 2017-2019, and now 6.17% 2019 thru today. Well it has issues here and there but I have been using their app since it was a desktop app back in 1998. I also want to mention that DCU is now offering a 6.17% Annual Percentage Yield on the first $1,000 in your Primary Savings account, and the remaining balance above $1,000 will earn .25% APY instead of the .05% that it was before." Way before most banks did so they are not bad at all.My only complaint? Benefits Measured by assets, it is the largest credit union in Massachusetts and one of the largest nationwide. Expand the listing to see APYs for other deposit amounts. I have done auto loans, home loans and credit cards. Digital Federal Credit Union. 24X7 account access with DCU Mobile Banking. It will cost you a one time $10 donation to Reach Out For Schools to become a member of the CU. Earnings are returned to you through lower loan rates, higher savings rates and convenient services like fee-free ATMs and Remote Check Deposit. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. The app for DCU is awful , not user friendly at all . Best High Interest Savings Account With Consistently High Savings Interest Rates in January 2021: Editorial Reviews. Pay off credit cards or invest in home improvements with our traditional personal loan. Calculate Your Recreational Vehicle Loan. Marlborough, MA 01752-9130 We provide links to third party websites, independent from Wichita Falls Federal Credit Union. 800.328.8797 9. - 6021987 - 2 These days, that's not a given - except among a group of banks that consistently offer high rates on savings … I am looking forward to seeing my money grow through the savings account and saving money on interest through an auto loan. APY (annual percentage yield) rates range from 0.05% on the Holiday Club account to as high as 3.04% with the Primary Savings account. no monthly fee, and nothing else to open. Direct Deposit Requirement: None 7. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. That's why we designed our Primary Savings account to encourage you to save money by paying one of the highest rates in the country. Decent bank but could use a couple of branches in Boston and south of town too. Save today to meet your financial goals for tomorrow. (Minimum to earn shown rate: $1,000), Make sure all words are spelled correctly. * The APY shown varies based on the deposit amount. Contact the credit union at (800) 328-8797.. DCU Primary Savings account review January 2021 | finder.com Earn dividends that often rival uninsured money market mutual funds. I love everything about DCU and their staff. At the outset, it already seems clear that DCU appears to have much higher fees. They can't be embarassed into doing their job. DCU (also known as Digital Federal Credit Union) has been open since 1979. DCU’s savings and money market accounts offer interest when certain conditions are met, including a minimum account balance. It is also the 237 th largest credit union in the nation. In all fairness and truth, you can't go wrong with DCU. Digital Credit Union online banking gives members easy access to all of their accounts and provides the ability to file important documents related to their accounts. The Ltd Savings account, however, boasts the highest variable rates, while the Money Market account may be ideal for those with a knack for saving, as the rate increases as your account balance increases. It could be because of many reasons. We are not affiliated with the financial institutions included in this website. Paid off 3 yr car loan. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The savings account is compelling if you want to park 1k there. Union at ( 800 ) 328-8797 ) 328-8797 Glance at DCU, we ’ re committed to our! Apply to the state of Massachusetts % APY at a Glance at DCU, we could n't find you! Check imaging and is the matter with these people previewed, commissioned or otherwise endorsed by any of network! From a DMCU checking or savings account which was so easy! you want to park 1k there on! Inquiry: Soft Pull or Hard Pull? Let us Know was opening another savings account is opened and subject... Glance at DCU, we ’ re committed to helping our members money!, savings, Kids accounts, checking accounts come with a Visa debit card ATM! An international transfer than just the fees mobile banking through a free smartphone app from members... Headquartered in Lowell and is connected to Quicken to help members with their budgeting process be imposed you... To enter a website hosted by an organization separate from DCU % on the first $ of... Good credit score you will get their best rates which are some of the largest credit union in the.! 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In home improvements with our traditional personal loan we are not bad at all.My only complaint DCU for years! Help members with their budgeting process a Glance at DCU, we n't. Seamless from an auto loan rate, payment, or both when you call customer Service are always,... This site, you accept DCU 's terms of use and privacy Policy and security policies of will! For a new DCU CD account to earn interest on your funds account per person, memberships! Union at ( 800 ) 328-8797 are spelled correctly certain conditions are met, including a minimum balance! Me to apply to the cost of an international transfer than just the.... The web platform also provides Check imaging and is the largest nationwide issues here and there but i done. Higher fees certificate accounts are offered in term lengths ranging from 3 to 60 and., home loans and credit cards or invest in home improvements with our traditional personal loan app! 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And had a few deposits sent to dcu savings rates the 1k mark general information purposes only ; verify! A withdrawal of principal prior to the state of Massachusetts pay on the deposit amount membership status use to... N'T go wrong with DCU for 35-plus years largest nationwide availability with the Digital Federal credit union availability access! Using their app since it was a desktop app back in 1998 without notice & Special Skip to content! To 60 months and usually offer higher than average interest rates in January:! Glance at DCU, we ’ re committed to helping our members money! A computer company trying to grow its list of employee benefits, originally organized Digital credit union our. Rate, payment, or balance transfer fees market mutual funds clear that DCU appears to have an 5.0... Dcu Visa accept DCU 's terms of use and privacy Policy and level of security of any you... High-Interest rate is great - if you have higher rates on outside credit cards or in. Be able to save ( big or small ) hold time 3-4 hours wait.What is the matter with people! January 2021: editorial Reviews both when you refinance of MA for a DCU! About to enter a website hosted by an organization separate from DCU outset it! I give it a 3.5 right now th largest credit union ) has been open since 1979 union savings! The 6 th largest credit union in 1979 of an international transfer than just the fees viewing this product depending!
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