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Introduction
At Digital, located at 209 N Main St, Andover, MA 01810, we believe that every member deserves a financial partner they can trust. Established in 1979, our credit union has been dedicated to serving our community with a personal touch and a commitment to excellence. With over 1,154,404 members and total assets of $12,123,497,336, we are proud to offer a range of services designed to meet your financial needs. While members can visit us at our branch address, official correspondence should be sent to 209 N Main St, Andover, MA 01810-3116. Our team is here to assist you with everything from checking and savings accounts to auto loans and business banking solutions. We understand the importance of having reliable financial options at your fingertips. Led by our CEO, Shruti Miyashiro, and Board President, Lionel Raffi, our dedicated staff of 1,794 employees works tirelessly to provide the best service possible. Whether you're looking for personal loans or need help with mortgage financing, we're ready to assist you every step of the way. With total deposits reaching $935,554,608 and a net worth of $1,170,409,164, we are committed not just to growth but also to ensuring that our members have access to the resources they need for their financial journeys. From convenient online banking options to personalized support at our branch, Digital is here for you. Ready to take the next step in your financial journey? Feel free to reach out by calling us at 978-247-6058 or visit our website at dcu.org for more information about how we can help you achieve your goals.
Branch History & Mission
Community Impact
Being part of Andover means more than just providing financial services; it's about fostering connections within the community. Over the years, we've partnered with various local organizations to support initiatives aimed at improving lives whether that's through educational programs or community service projects. These efforts reflect our belief that when our community thrives, so do we. While members can visit us at 209 N Main St Andover Ma 01810, official correspondence should be sent to 209 N Main St, Andover, MA 01810-3116. Our friendly staff is available during operating hours Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday until 7:00 PM, and Saturday from 9:00 AM to 3:00 PM to assist with any inquiries you may have. With convenient ATM availability but no drive-thru service at this location, we encourage you to explore all that we have to offer online or in person. We invite you to join us at Digital! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community. Discover why so many have chosen us as their trusted credit union partner! Visit us today or check out our website for more information on membership benefits at https://www.dcu.org/.
Branch Location & Accessibility
Get in Touch!
We invite you to stop by or give us a call at (978) 247-6058 if you have any questions or need assistance. Our friendly staff is eager to help you navigate your financial journey. Come see why so many people in Essex County choose Digital as their trusted credit union!
Member-Centric Banking Experience
At Digital, we offer a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you need assistance after hours, our online and mobile banking services are available at your fingertips. While members can visit us at 209 N Main St Andover Ma 01810, official correspondence should be sent to 209 N Main St, Andover, MA 01810-3116.
Nearby Landmarks and Accessibility
Nestled near local landmarks, our branch is hard to miss. You can find us just a short walk from the bustling Main Street shops and restaurants, making it easy to combine your banking errands with your daily activities. We ensure that all members can access our services comfortably, with features like ADA compliance and ramps for those needing assistance.
Parking and Services
Parking is readily available near the entrance, so you won't have to worry about finding a spot. Although we do not offer drive-thru service, we provide ATM access for quick cash withdrawals and balance checks. Our dedicated team is here during convenient operating hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 7 PM, and Saturday from 9 AM to 3 PM.
Member Eligibility
Becoming a member of Digital is like joining a welcoming family that supports your financial journey. If you're looking to be part of a community that prioritizes its members, you're in the right place! Membership is open to anyone who lives, works, or attends school in the area, as well as their family members. This means if you're part of our local community, you can easily take advantage of the great services we offer. At Digital, we believe in providing personalized financial solutions tailored just for you, whether it's for savings accounts, loans, or other banking needs. Ready to become a member? It's simple! You can find detailed eligibility criteria on our website at https://www.dcu.org#membership, and if you have any questions or need assistance during the process, don't hesitate to give us a call at (978) 247-6058. We're here to help you every step of the way!
Business Banking & Commercial Services
Merchant Services That Work for You
In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experiences. Imagine being able to accept payments quickly and securely, whether you're at your storefront or on the go. Our services help streamline your operations, allowing you to focus on what really matters growing your business. Visit us at 209 N Main St Andover Ma 01810 in Andover, MA, or give us a call at (978) 247-6058 to explore how we can help your business thrive!
Tailored Loan Options
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,412 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,402,850,493, we continue to drive economic growth by financing new and expanding businesses.
Comprehensive List Of Services
ATM & Cash Withdrawal Services
Need cash on the go? Our ATM and cash withdrawal services provide convenient access 24/7. Plus, with basic ATM access for withdrawals and balance checks, you can keep track of your funds effortlessly. At Digital, we take pride in not just being a bank but being part of our community in Andover. With our commitment to convenience and member satisfaction, we invite you to explore how we can assist you today! For more information on any of these services or if you have questions, feel free to call us at (978) 247-6058 or visit us at 209 N Main St Andover Ma 01810. Let us help you achieve your financial goals!
Auto Loans & Vehicle Financing
For those considering a new vehicle, auto loans and vehicle financing options are available to help make your dream car a reality. With competitive rates and flexible terms, you can find a loan that suits your budget. Whether it's for a brand-new model or a reliable used car, we're here to support you.
Business Banking
For entrepreneurs, our business banking services, including merchant services and business loans, are designed to support local businesses in thriving. We know how hard it is to run a business; that's why we offer personalized solutions tailored specifically for your needs.
Credit Cards with Rewards
Our credit cards with rewards are perfect for those who want to earn benefits as they spend. Whether you're shopping for everyday items or planning a vacation, enjoy rewards that add up over time. It's like getting paid for spending!
Mortgage Loans & Refinancing
Thinking about purchasing a home? Our mortgage loans and refinancing services can guide you through the process. We know that buying a home is one of the biggest decisions you'll make. Our team will work closely with you to ensure that you understand all of your options and help you secure the best possible rates.
Personal Banking
Starting with personal banking, we offer checking and savings accounts tailored to fit your lifestyle. You can easily manage your money through our online and mobile banking platforms, allowing you to check balances, transfer funds, and pay bills from anywhere. Imagine having access to your finances right at your fingertips no more waiting in line!
Personal Loans & Debt Consolidation
If you're facing unexpected expenses or looking to simplify your finances, consider our personal loans and debt consolidation services. This can be a smart way to manage debts by combining them into one easy monthly payment, making it simpler to stay on track.
Digital & Online Banking
Easy Access Anytime
With our 24/7 online banking services available at https://www.dcu.org/, you can check your account balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your money has never been easier.
Instant Transfers Between Friends
Need to split the bill or send money to a friend? Our person-to-person transfer feature lets you send money instantly. It's fast, easy, and perfect for those everyday transactions.
On-the-Go Banking with Our Mobile App
Don't forget about our mobile application! Available for both Android and iOS devices, it puts all our banking features right in your pocket. From checking balances to making payments, everything is just a touch away. At Digital, we strive to provide tools that help you manage your finances efficiently while ensuring the utmost security. Experience the ease of digital banking today!
Secure Transactions Made Simple
We prioritize your security with features like electronic signature authorization. This means you can sign documents digitally without the hassle of printing or mailing. Plus, our mobile payments feature allows you to make purchases right from your phone securely and effortlessly.
Stay Organized with E-Statements
Say goodbye to paper clutter! Our e-statements are available for all members, giving you a convenient way to view your financial history. With just a tap on your screen, you can access your statements securely and keep everything organized.
Financial Strength
Growing Member Base
Total Share Accounts: 2,370,879, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $42,139,552 further highlight our capacity to meet your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Digital is your trusted partner. Visit us at 209 N Main St Andover Ma 01810 or call (978) 247-6058 to learn more about how we can help you achieve your financial goals.
Member-Centric Savings Options
Members' savings are secured through $1,408,876,162 in share certificates and $2,932,199,001 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.
Operational Efficiency
Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,693 full-time employees and 101 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.
Reinvestment for Growth
With $1,170,409,164 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our commitment to lending is evident with $186,169 in used auto loans and $10,800,075,946 in total loans and leases, supporting your financial goals across various sectors.
Strong Capital Foundation
With a net worth of $1,170,409,164, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $965 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,486,644,812 in used vehicle loans and $1,320,728,760 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used vehicle, we have options tailored for you.
Business Loans
For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support you every step of the way.
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $880,247,336, make buying or refinancing simple. We aim to guide you through the process with straightforward terms and personalized service.
Refinancing Options
If you're looking for refinancing options, we can assist with that as well. Whether it's for an auto loan or mortgage refinancing, our team is ready to help you explore eligibility and tailor solutions that fit your financial landscape. At Digital, we prioritize transparency and member satisfaction. For more detailed information about our loan offerings and how they can work for you, feel free to reach out at (978) 247-6058 or visit us online at https://www.dcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take your next step toward achieving your financial dreams!
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $694,219,562 in loans helping members manage their finances effectively. These cards come with no collateral requirements, giving you the freedom to use your credit as needed while enjoying manageable payment plans.
Loan Aggregator
Benefits of Using LendMesh
Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are comparing reliable options. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users see true comparisons without hidden agendas. Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions. This feature ensures that you are always looking at the most current offers available. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*
Ensuring Accurate Loan Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures fair and transparent offers for users seeking loans.