Digital Federal Credit Union

Digital Federal Credit Union, known as DCU, serves members in Waltham. As a member-owned cooperative, it pitches itself as an alternative to big-bank fees, with free checking that includes mobile deposit, savings and certificate accounts, Visa credit cards, mortgages and a wide range of consumer and business loans. Auto loans and refinancing are a large part of its lending, covering new and used cars, trucks and vans, and online tools let members check applications and upload documents.

The credit union began in 1979 serving Digital Equipment Corporation employees and describes itself as one of the largest credit unions in the country, with more than one million users. It has officially merged with First Tech, and members can use about 5,900 co-op shared branches. For planning, DCU offers free calculators on everything from auto affordability to retirement income, plus text alerts and digital banking tools that include secure messaging.

What to Know

• Forbes has recognized DCU as one of America’s Best-in-State Credit Unions.
• Lending extends to classic and antique cars, boats, and small and large recreational vehicles.
• Mobility vehicle loans cover vehicles and modifications that aid people with disabilities.
• The branch is a member of the Waltham West Suburban Chamber of Commerce.