Digital Federal Credit Union

DCU, formally Digital Federal Credit Union, is a member-owned credit union with a presence in Lexington, offering the everyday banking and lending of a large institution while positioning itself against big-bank fees. Members can open free checking with mobile deposit and no monthly fees, savings accounts and certificates, and Visa credit cards, and can borrow for cars, homes, recreational vehicles, boats, motorcycles and businesses. Online tools handle loan applications, document uploads and secure messaging.

Founded in 1979 for employees of Digital Equipment Corporation, DCU describes itself as one of the largest and most successful credit unions in the country, with more than one million users. It has officially merged with First Tech. Members can also transact at some 5,900 co-op shared branches, which extends in-person service well beyond DCU’s own branch network, and free services include text alerts and online calculators for loans, savings, mortgages and retirement planning.

What to Know

• DCU has been named a Forbes America’s Best-in-State Credit Union.
• Mobility vehicle loans cover new or used vehicles and modifications that aid people with disabilities.
• Financial relief programs and tax refund direct deposit are among its free member services.
• The branch is a member of the Lexington Chamber of Commerce.