Digital Federal Credit Union - Waltham, Massachusetts

Introduction

Nestled in the heart of Waltham, Massachusetts, Digital Federal Credit Union (DCU) is a renowned financial institution that has been serving its members since 1970. With a strong commitment to providing exceptional financial services, DCU has grown to become one of the largest and most trusted credit unions in the region. This comprehensive guide will delve into the main services offered by DCU, its location and accessibility, unique features, practical information, and positive aspects highlighted in customer reviews.

Main Services

• Insurance: DCU offers a range of insurance products to protect your assets and provide peace of mind. These include auto, home, life, and business insurance, as well as identity theft protection.
• Investments: With DCU, you can grow your wealth through various investment options. They provide managed portfolios, mutual funds, retirement planning, and more, tailored to your financial goals.
• Branches & ATMs: DCU has numerous branches and ATMs throughout Massachusetts and New Hampshire, providing members with convenient access to their accounts. Additionally, DCU offers online and mobile banking services for added flexibility.
• Borrow: DCU offers a variety of loan options to meet your financial needs. These include mortgage loans, home equity loans, auto loans, personal loans, and business loans.
• Support: DCU provides excellent member support through its dedicated customer service team. You can reach them via phone, email, or live chat for assistance with your accounts or financial questions.
• Services: DCU offers a wide array of services to simplify your financial life. These include direct deposit, online bill pay, mobile deposit, and financial education resources.
• Membership: DCU membership is open to individuals who live, work, worship, volunteer, or attend school in Massachusetts, or certain counties in New Hampshire. Once you're a member, you can enjoy DCU's services and competitive rates.
• Free Checking: DCU offers free checking accounts with no minimum balance requirements and no monthly fees. Plus, you'll earn interest on your balance.
• HSA Checking: DCU's Health Savings Account (HSA) Checking allows you to save for qualified medical expenses while earning interest.
• Visa® Debit Card: DCU offers a Visa debit card that provides easy and convenient access to your funds, along with fraud protection and purchase rewards.
• Greenlight Debit Card: DCU's Greenlight debit card is designed for teens, offering parents control and insight into their child's spending habits.
• Primary Savings: DCU's Primary Savings account is a basic, no-frills savings account that helps you build your funds.
• Advantage Savings: This savings account offers a competitive interest rate and requires a $250 minimum balance to avoid a monthly fee.
• Smart Savings: DCU's Smart Savings account offers tiered interest rates, with higher rates for larger balances.
• Money Market Savings: This account provides competitive interest rates and access to your funds, with a $2,500 minimum opening deposit.

Location and Access

DCU's Waltham branch is located at 130 Lexington St, Waltham, MA 02452. This branch is easily accessible and offers convenient amenities:

• Transportation: The branch is situated near several public transportation options. It's a short walk from the Waltham Center MBTA Commuter Rail station and several bus stops.
• Parking: DCU offers ample parking spaces for members, including designated spots for individuals with disabilities.
• Accessibility: The branch is wheelchair accessible, with automatic doors and elevators. They also provide accessible parking and ATMs.

Featured Characteristics

• Not-For-Profit Cooperative: As a not-for-profit credit union, DCU focuses on providing competitive rates and fees to its members, rather than maximizing profits for stockholders.
• Member-Owned: DCU is owned by its members, who have a say in how the credit union is governed through its board of directors.
• Community Involvement: DCU is deeply committed to giving back to the communities it serves. They support various local charities and organizations through donations and sponsorships.
• Financial Education: DCU offers free financial education resources to help members make informed decisions about their money. These resources include online courses, webinars, and financial calculators.

Practical Information

• Phone: You can reach DCU's customer service team by calling 800-328-8797.
• Website: Visit dcu.org for more information about DCU's services and to access your accounts online.
• Hours: The Waltham branch is typically open from 8:30 AM to 5 PM on weekdays, with extended hours on Thursdays until 7 PM. It's closed on weekends.
• Other Points of Interest: DCU offers cash advances, coin counting, and notary services at its branches. Additionally, they provide safe deposit boxes for rent.

Positive Aspects from Reviews

DCU has an average rating of 3.2/5 on Google My Business, with 126 reviews. Here are some positive aspects highlighted by customers:

• Competitive Rates: Several reviewers praised DCU for offering competitive interest rates on savings accounts and loans.
• Excellent Customer Service: Many customers commended DCU's friendly and helpful customer service representatives, who went above and beyond to assist them.
• Convenient Locations: DCU's numerous branches and ATMs throughout the region make it easy for members to access their accounts and conduct transactions.
• User-Friendly Online Banking: Customers appreciated DCU's online banking platform, which allows them to manage their accounts, pay bills, and transfer funds with ease.
• Community Support: Some reviewers mentioned DCU's involvement in the local community, praising the credit union for supporting local charities and events.

In conclusion, Digital Federal Credit Union offers a wide range of financial services tailored to meet the needs of its members. With its convenient location, competitive rates, and commitment to exceptional customer service, DCU continues to be a trusted financial partner for individuals and families throughout the region. Whether you're looking to open a new account, apply for a loan, or simply want to learn more about managing your money, DCU is a valuable resource for your financial well-being.

👍 Reviews of Digital Federal Credit Union

Destanni B.

1/5

Extremely rude people! I called because I wanted to ask some questions about mortgages and I was told that I needed to come to a branch during business hours. Fine whatever heads to a branch closest one is an hour from me, I check in and waited about 15 minutes. Then this woman came out Janet no pleasantries or anything just “we can’t help you we have no one here to answer your questions you have to call” I told her I did and was told to come in “you did not speak to anyone at this branch we would have told you no” well I did it’s the closest one too me. She was super rude no customer service skills. Can’t tell if you hate your life or your job but neither is my problem learn what customer service is and then maybe try and find something new. LOOKOUT FOR THE INDIAN WOMAN NAMED JANET HER NAME TAG SAID SHES BEEN THERE SINCE 2020 BE ADVISED AND STAY FAR AWAY

Udson P.

5/5

Today I had the pleasure of having Giovanna to assist me and it was a very good experience. She is wise, understanding, patient. THANK YOU. You deserve more than 5 stars.

Levon K.

1/5

Worst tellers ever , bunch of unprofessional tellers behind the glass , their jokes with each other is more important than the customers that are waiting in line. Couple of kids with no respect, they are lucky I did not snap and made a scene in front of everyone. ,, they are lucky I was in good mood

Alfred B.

1/5

Worst location ever. This is two or three time I come here everything is slow. The people on the Desk don't care. Alex Perez looks like he doesn't know what he is doing. He asked me my phone number 3 times to make a deposit? He asked me my membership number as well two times to make a deposit. Long line everyday. What is wrong with you guys?

Enrique R.

5/5

I'm a long time DCU member here.
I mainly deal with the leominster location but recently visited the Waltham office.
While I was at the Waltham located I was assisted by Sairy Ramirez. She was extremely helpful & very informative.
She completed my car loan process quickly. She made my visit to DCU a pleasant one.
It also didn't hurt that she was extremely pleasant to look at .

Harshad S.

1/5

This is the most useless bank that I've ever seen. They just flatly refused to give me a cashier's check via credit union sharing. I've had similar instances in the past when I just walked over to RTN Federal Credit Union and they helped me out in 5-10 minutes.

Don't waste your time going to this bank or this location. I'm not going to go back here again

Phil D.

5/5

I've been a long time member of DCU and today I visited this branch in specific, this young woman named Giovanna walked me through the understandings of so many things! Some stuff I've been struggling with for a while.. she explained the process of online banking in great detail to help me understand and equity loans she really made the process of banking efficient and with a smile! I will be coming to this branch with any of my banking needs and I would recommend this branch to everyone!

Garrett K.

1/5

I have been a member for 17 years, since change over in C-Suite this bank has gone seriously downhill, pretty disappointing. Everything from no virtual account access (up to 16 hours while traveling), long deposit holds and poor customer service (changes to accounts without notification)I have decided to close up shop on DCU - The era of local credit unions is over, online banks offer better service, and technology.