Digital Federal Credit Union - Waltham, Massachusetts

Introduction to Digital Federal Credit Union (DCU)

Welcome to our comprehensive guide on Digital Federal Credit Union (DCU), located at 130 Lexington St, Waltham, MA 02452. DCU is a full-service, not-for-profit financial cooperative offering a wide range of banking, investment, and loan services to its members. As a federally insured credit union, DCU is committed to providing personalized service and competitive rates to help members achieve their financial goals.

Main Services

• Banking Services: DCU offers a variety of checking and savings accounts to cater to different needs and preferences. Their account options include:
• Free Checking
• HSA Checking
• Visa® Debit Card
• Greenlight Debit Card
• Savings Accounts: DCU provides several savings options to help members grow their money. These include:
• Primary Savings
• Advantage Savings
• Smart Savings
• Money Market Savings
• Loans: DCU offers a broad range of loan products to support members' financial needs, such as:
• Auto Loans
• Mortgages
• Home Equity Loans & Lines of Credit
• Personal Loans
• Credit Cards
• Investments: DCU provides investment services through DCU Investment Services, including:
• Retirement Planning
• Brokerage Services
• Insurance Services
• Branches & ATMs: DCU has multiple branches and ATMs across Massachusetts, New Hampshire, and Rhode Island to provide members with convenient access to their accounts.

Location and Access

The Waltham branch of DCU is situated at 130 Lexington St, Waltham, MA 02452, in the heart of the Lexington Center neighborhood. The area is well-connected by public transportation, with the Waltham Center stop on the MBTA Commuter Rail Fitchburg Line located within walking distance. Additionally, several MBTA bus routes serve the area, providing easy access to the branch.

For those traveling by car, the branch offers ample parking in the adjacent lot, with dedicated spaces for members with disabilities. The branch is also wheelchair accessible, with a ramp leading to the entrance.

Featured Characteristics

DCU stands out among financial institutions for several unique features:

• Not-for-profit cooperative: As a not-for-profit credit union, DCU returns profits to its members through lower loan rates, higher savings rates, and fewer fees.
• Full-service mobile app: DCU's mobile app allows members to manage their accounts, transfer funds, deposit checks, and pay bills on the go.
• Online and mobile banking: DCU offers 24/7 access to accounts through its user-friendly online banking platform and mobile app.
• Cash advance: DCU members can obtain cash advances on their Visa credit cards at DCU branches and select ATMs.
• Financial education: DCU is committed to helping members improve their financial literacy through workshops, webinars, and online resources.

Practical Information

• Hours of operation:
  • Monday-Thursday: 8:30 AM - 4:30 PM
  • Friday: 8:30 AM - 5:00 PM
  • Saturday-Sunday: Closed
• Phone number: 800-321-8797
• Website: dcu.org
• Branch manager: Thomas E. Tremblay

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 reviewers:

• Competitive rates and fees
• Exceptional customer service
• User-friendly mobile app and online banking
• Convenient branch locations and ATMs
• wide range of services, including loans and investments

While there are some negative reviews, DCU actively responds to them, demonstrating their commitment to addressing member concerns and continuously improving their services.

👍 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.