Digital Federal Credit Union - Waltham, Massachusetts

Digital Federal Credit Union: Your Partner in Financial Wellness

Located in the heart of Waltham, Massachusetts, Digital Federal Credit Union is a member-owned, not-for-profit financial institution that has been serving the community for over 70 years. With a strong commitment to providing exceptional service and unparalleled financial products, DCU has established itself as a trusted partner for individuals, families, and businesses alike. In this article, we will delve into the world of Digital Federal Credit Union, exploring its main services, location and access, featured characteristics, practical information, and what reviewers have to say about their experience.

Main Services

• Insurance: DCU offers a range of insurance products, including auto, home, life, and health insurance, designed to provide financial protection and peace of mind.
• Investments: With a variety of investment options, including stocks, bonds, and mutual funds, DCU helps its members grow their wealth over time.
• Branches & ATMs: With over 40 branches and 2,800 ATMs across the Northeast, DCU provides convenient access to banking services whenever and wherever you need them.
• Borrow: DCU offers a range of loan products, including personal loans, mortgages, and lines of credit, designed to help you achieve your financial goals.
• Support: The DCU support team is available to answer your questions, provide guidance, and help you navigate the banking process.
• Services: DCU offers a range of services, including bill pay, direct deposit, and online banking, designed to make your banking experience easy and convenient.
• Membership: As a not-for-profit credit union, DCU is owned by its members, who benefit from competitive rates, exceptional service, and personalized support.
• Free Checking: DCU offers a range of checking accounts, including free checking, designed to help you manage your finances and stay on top of your spending.
• HSA Checking: DCU's HSA checking account is designed to help you save for medical expenses and take advantage of tax benefits.
• Visa Debit Card: With a Visa debit card, you can make purchases, withdraw cash, and access your funds wherever Visa is accepted.
• Greenlight Debit Card: DCU's Greenlight debit card is designed for young adults, offering a range of benefits, including cash rewards and travel insurance.
• Primary Savings: DCU's primary savings account is designed to help you save for long-term goals, such as retirement or a down payment on a home.
• Advantage Savings: With an advantage savings account, you can earn higher interest rates and achieve your savings goals faster.
• Smart Savings: DCU's smart savings account is designed to help you save money, reduce debt, and achieve financial stability.
• Money Market Savings: DCU's money market savings account is designed to provide liquidity and flexibility, while earning competitive interest rates.

Location and Access

Digital Federal Credit Union has a physical presence in Waltham, Massachusetts, located at:

130 Lexington St, Waltham, MA 02452

The credit union is wheelchair accessible, with a wheelchair accessible entrance and parking lot. Members can also access their accounts and conduct banking transactions online, by phone, or through the DCU mobile app.

Featured Characteristics

• Member-owned and not-for-profit: As a member-owned credit union, DCU is committed to serving its members' interests and providing exceptional service.
• Competitive rates: DCU offers competitive rates on loans, credit cards, and deposit accounts, designed to help you achieve your financial goals.
• Convenient access: With over 40 branches and 2,800 ATMs across the Northeast, DCU provides convenient access to banking services whenever and wherever you need them.
• Personalized support: The DCU support team is available to answer your questions, provide guidance, and help you navigate the banking process.
• Online banking: DCU offers online banking, allowing you to manage your accounts, conduct transactions, and access your funds from anywhere.
• Mobile banking: The DCU mobile app provides a convenient way to manage your accounts, make transactions, and access your funds on-the-go.

Practical Information

• Phone: 800-328-8797
• Website: dcu.org
• Hours of Operation: Monday - Thursday: 9:00am - 5:00pm, Friday: 9:00am - 6:00pm, Saturday: 9:00am - 1:00pm
• Branches: Over 40 branches across the Northeast
• ATMs: 2,800 ATMs across the Northeast
• Wire Transfer: Available through DCU's online banking system
• Overdraft Protection: Available on checking and savings accounts
• Account Fees: Competitive fees on deposit accounts, loans, and credit cards

Positive Aspects from Reviews

While no financial institution is perfect, Digital Federal Credit Union has received overwhelmingly positive reviews from its members. Here are some of the positive aspects mentioned in reviews:

* "I've been a member of DCU for over 10 years and have never been disappointed. The service is always friendly and helpful, and the rates are competitive." - Google Reviewer
* "I recently opened a checking account with DCU and was impressed with the ease of the process. The online banking system is user-friendly and convenient." - Google Reviewer
* "I've had a great experience with DCU's loan department. They were knowledgeable and helpful, and the interest rate was competitive." - Google Reviewer
* "I've been a member of DCU for years and have always been satisfied with the service. The credit union is always willing to work with me to find a solution that meets my needs." - Google Reviewer
* "I recently transferred my accounts to DCU and was impressed with the ease of the process. The customer service was friendly and helpful, and the rates were competitive." - Google Reviewer

Overall, Digital Federal Credit Union has established itself as a trusted partner for individuals, families, and businesses alike. With its competitive rates, convenient access, and personalized support, DCU is an excellent choice for anyone looking for a reliable financial institution.

👍 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.