Digital Federal Credit Union

Nestled in the heart of Franklin, the Digital Credit Union branch at 500 W Central St offers a welcoming space where your financial ambitions come first. Whether you’re ready to take advantage of some of the best auto loans available or looking to open a personal checking or savings account tailored to your lifestyle, this branch delivers personalized service with a community touch. Open Monday through Saturday with extended evening hours on Thursday and Friday, it’s designed to fit your busy schedule.
Beyond convenient ATM access for quick withdrawals and balance checks, Digital Franklin provides comprehensive solutions including mortgage loans with competitive rates and credit cards packed with rewarding benefits. Business owners can also explore merchant services and business loans crafted to help local enterprises thrive.
Serving over 1.15 million members nationwide, Digital combines robust online and mobile banking platforms with expert local support to make managing your money effortless. Visit the Digital Credit Union branch in Franklin today to explore top-tier auto financing or discuss refinancing options—experience how a community-focused credit union can elevate your financial journey. Contact us for personalized guidance and start your membership today!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 5 Years
7.24 %
5 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 10 Years
7.49 %
10 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 15 Years
7.74 %
15 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 20 Years
7.99 %
20 Yrs
60 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 5 Years
7.99 %
5 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 10 Years
8.24 %
10 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 15 Years
8.49 %
15 Yrs
90 %
Fixed-Rate Home Equity Loan Rates – Second Lien Position
Up to 20 Years
8.74 %
20 Yrs
90 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10 Years Fixed
5.125 %
5.419 %
1
10.0 Yrs
CONVENTIONAL
FIXED
15 Years Fixed
5.375 %
5.641 %
1.375
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
5yr/6mo ARM
5.375 %
6.632 %
1
5.0 Yrs
CONVENTIONAL
FIXED
20 Years Fixed
5.625 %
5.853 %
1.5
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
7yr/6mo ARM
5.625 %
6.528 %
0.875
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
10yr/6mo ARM
5.75 %
6.4 %
1.125
10.0 Yrs
CONVENTIONAL
FIXED
30 Years Fixed
6.25 %
6.439 %
1.625
30.0 Yrs
JUMBO
FIXED
Jumbo 10 Years Fixed
5.125 %
5.375 %
1
10.0 Yrs
JUMBO
FIXED
Jumbo 15 Years Fixed
5.375 %
5.61 %
1.375
15.0 Yrs
JUMBO
FIXED
Jumbo 20 Years Fixed
5.625 %
5.828 %
1.5
20.0 Yrs
JUMBO
FIXED
Jumbo 30 Years Fixed
6.25 %
6.419 %
1.625
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Savings secured loans
3.5 %
10 Yrs
Credit builder loans
5 %
1 - 2 Yrs
$3,000
Fuel assistance loan – fixed rate
8.25 %
1 Yrs
$3,000
Energy efficient loan – fixed rate
8.75 %
5 Yrs
Access loan rates
10.85 - 12.6 %
6 Yrs
$25,000
Traditional signature loans
11.99 %
5 Yrs
Quick loan rates
17.99 %
1 Yrs
student_loans

Student Loans

Program Name
APR
Term
Link
Variable Rate Student Refinance Loan Rates
6.5 % - 11.25 %
5 Yrs - 15 Yrs
Fixed Rate Student Refinance Loan Rates
7.5 % - 12.25 %
5 Yrs - 15 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
Up to 36 Months
4.99 %
3 Yrs
Auto
Up to 48 Months
4.99 %
4 Yrs
Auto
Up to 65 Months
4.99 %
5.4 Yrs
Auto
Up to 36 Months
5.49 %
3 Yrs
Auto
Up to 48 Months
5.49 %
4 Yrs
Auto
Up to 65 Months
5.49 %
5.4 Yrs
Auto
Up to 72 Months
5.49 %
6 Yrs
Auto
Up to 72 Months
5.99 %
6 Yrs
Auto
Up to 84 Months
6.99 %
7 Yrs
Auto
Up to 84 Months
7.49 %
7 Yrs
Auto
Up to 36 Months
9.24 %
3 Yrs
Auto
Up to 48 Months
9.24 %
4 Yrs
Auto
Up to 65 Months
9.24 %
5.4 Yrs
Auto
Up to 72 Months
10.24 %
6 Yrs
Auto
Up to 84 Months
11.74 %
7 Yrs
Motorcycle
Up to 36 Months
7.25 %
3 Yrs
Motorcycle
Up to 48 Months
7.5 %
4 Yrs
Motorcycle
Up to 60 Months
8 %
5 Yrs
Motorcycle
Up to 36 Months
10.85 %
3 Yrs
Motorcycle
Up to 48 Months
11.1 %
4 Yrs
Motorcycle
Up to 60 Months
11.35 %
5 Yrs
Recreational
Up to 36 Months
9.24 %
3 Yrs
Recreational
Up to 48 Months
9.24 %
4 Yrs
Recreational
Up to 65 Months
9.24 %
5.4 Yrs
Recreational
Up to 60 Months
9.99 %
5 Yrs
Recreational
Up to 60 Months
9.99 %
5 Yrs
Recreational
Up to 72 Months
10.24 %
6 Yrs
Recreational
Up to 72 Months
10.49 %
6 Yrs
Recreational
Up to 72 Months
10.49 %
6 Yrs
Recreational
Up to 36 Months
10.85 %
3 Yrs
Recreational
Up to 84 Months
10.99 %
7 Yrs
Recreational
Up to 84 Months
10.99 %
7 Yrs
Recreational
Up to 48 Months
11.1 %
4 Yrs
Recreational
Up to 60 Months
11.35 %
5 Yrs
Recreational
Up to 120 Months
11.49 %
10 Yrs
Recreational
Up to 180 Months
11.49 %
15 Yrs
Recreational
Up to 120 Months
11.49 %
10 Yrs
Recreational
Up to 180 Months
11.49 %
15 Yrs
Recreational
Up to 84 Months
11.74 %
7 Yrs
Recreational
Up to 120 Months
11.74 %
10 Yrs

Introduction

Welcome to Digital, your trusted credit union located at 500 W Central St, Franklin, MA 02038. Since our establishment in 1979, we have proudly served our community, growing to support over 1,154,404 members with a commitment to providing personalized financial services. With total assets exceeding $12 billion, we are dedicated to ensuring that your financial needs are met with care and expertise. At Digital, we believe in the power of community. Our mission is to empower you through various financial products including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking services. With a strong net worth of $1,170,409,164, and total deposits reaching $935,554,608, we have the stability and resources to back our promises. Our leadership team reflects our values. Under the guidance of CEO Shruti Miyashiro and Board President Lionel Raffi, we strive to create a welcoming environment where everyone feels valued. Our dedicated staff of 1,794 employees is here to assist you with any questions or concerns you may have. While you can visit us at our Franklin branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 500 W Central St, Franklin, MA 02038-2902. We invite you to explore our website at dcu.org for more information about our services or feel free to call us at 508-553-9821. Join us as we continue to grow together and make a positive impact in our community!

Branch History & Mission

Community Focus

We take pride in being an active member of the Franklin community. Through partnerships with local organizations and outreach programs, we strive to make a positive impact. Whether it's sponsoring local events or providing educational workshops on financial literacy, we are dedicated to supporting those around us. Our operating hours are designed with your convenience in mind: Monday through Wednesday from 9:00 AM to 5:00 PM; Thursday and Friday from 9:00 AM to 7:00 PM; and Saturday from 9:00 AM to 3:00 PM. We also offer ATM availability for quick cash withdrawals and balance checks. As we look toward the future, we invite you to become a part of the Digital family. Join us today and experience firsthand how we can support you on your financial journey! For more information or inquiries, feel free to call us at (508) 553-9821 or visit our website at https://www.dcu.org/. Together, let's build a brighter financial future!

Mission Statement

At the core of Digital is our mission: to provide exceptional financial services while fostering a strong sense of community support. We believe in empowering individuals through sound financial practices, offering personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our goal is not just to facilitate transactions but to help our members achieve their financial dreams. While members can visit us at 500 W Central St Franklin Ma 02038, official correspondence should be sent to 500 W Central St, Franklin, MA 02038-2902.

Our Story

From our humble beginnings, Digital has evolved into a vital financial resource for the residents of Franklin. Situated at 500 W Central St Franklin Ma 02038, our branch is easily accessible, making it convenient for members to visit us and benefit from our services. As part of our growth, we have continuously adapted to meet the changing needs of our community while staying true to our mission. Over the years, we've embraced digital advancements that allow us to serve you better. With features like online banking, mobile payments, and electronic signatures, we ensure that banking is simple and accessible for everyone. Our commitment to ADA compliance means that all members can comfortably utilize our facilities and services.

Branch Location & Accessibility

Location Highlights

At Digital, we prioritize making your banking experience as seamless as possible. Our branch is situated in a central area with plenty of parking available for our members. If you're visiting us, you'll find that our location is ADA compliant, ensuring everyone can access our services comfortably. While members can visit us at 500 W Central St Franklin Ma 02038, official correspondence should be sent to 500 W Central St, Franklin, MA 02038-2902 if different.

Operating Hours

We know that life can be busy, which is why we offer flexible operating hours to fit your schedule. Our lobby is open from 9 AM to 5 PM on Monday through Wednesday, and extended hours until 7 PM on Thursday and Friday. You can also drop by on Saturday from 9 AM to 3 PM for any of your banking needs.

Services Available

Our branch offers a wide range of services designed to help you manage your finances easily. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We also provide ATM access for quick withdrawals and balance checks, enhancing your banking convenience. While we don't have drive-thru service here at this branch, our friendly team is always ready to assist you inside. Feel free to reach out via phone at (508) 553-9821 if you have any questions before your visit!

Visit Us Today!

We invite you to stop by Digital today! Experience personalized service in a warm and welcoming environment. Your financial goals are important to us, and we're here to help every step of the way. Come see how we can make banking easier for you!

Member Eligibility

Welcome to Digital, where becoming a member means joining a community that truly cares about your financial well-being. If you're looking to take part in our friendly and supportive environment, you'll be happy to know that eligibility is straightforward! At Digital, anyone who lives, works, or worships in the area can apply for membership. We believe that everyone deserves access to financial services that empower them, so whether you're just starting out or looking to expand your financial horizons, we're here for you. Joining us is not only easy but also brings a host of benefits tailored just for you. From personalized banking services to competitive loan rates, we strive to make sure our members feel valued and supported every step of the way. For more detailed information on eligibility criteria, feel free to check out our resource at https://www.dcu.org#membership. If you're ready to get started or have any questions, don't hesitate to reach out at (508) 553-9821. We're excited to welcome you into the Digital family!

Business Banking & Commercial Services

Commercial 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.

Merchant Services for Your Business

In today's competitive market, efficient payment processing is crucial. Our merchant services streamline transactions, allowing you to focus on what matters most growing your business. Imagine easily accepting payments from customers via credit cards or mobile wallets, enhancing their experience while boosting your sales. Visit us at 500 W Central St Franklin Ma 02038 in Franklin, MA, or give us a call at (508) 553-9821 to learn how we can support your business banking needs today!

Comprehensive List Of Services

Access Anytime, Anywhere

At Digital, convenience is key. With ATM services available for cash withdrawals and balance checks, accessing your money has never been easier. Plus, our commitment to digital banking means you can bank anytime and anywhere without needing to visit us in person. In summary, whether you're looking for personal or business banking solutions, Digital is dedicated to providing comprehensive financial services that meet all your needs. Don't hesitate to reach out at (508) 553-9821 if you have any questions or need assistance. We're here for you every step of the way! Visit us today or explore more about our offerings at Franklin. Your journey towards better financial health starts here!

Business Banking Solutions

For business owners, we offer specialized banking services including merchant services and business loans. We understand that managing a business comes with its own set of challenges, and we're here to provide reliable financial support tailored to your unique needs.

Loans Made Easy

Need financing? Our auto loans and vehicle financing solutions can get you on the road with ease. Whether you're buying a new vehicle or refinancing an existing loan, we offer competitive rates that make it simple. If you're considering buying a home, our mortgage loans and refinancing options can help you navigate the process smoothly. For those unexpected expenses or dreams you've been putting off, our personal loans for debt consolidation provide flexible solutions tailored just for you.

Personal Banking

Our personal banking options are designed to fit your lifestyle. You can open checking and savings accounts that offer competitive interest rates and easy access to your funds. Imagine being able to manage your accounts effortlessly through our online and mobile banking platforms. With features like electronic statements and mobile payments, you have complete control right at your fingertips.

Rewards with Credit Cards

Don't forget about our credit cards with rewards! These cards not only give you purchasing power but also reward you for every dollar spent. It's a win-win situation where everyday purchases turn into valuable perks.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This allows you to sign documents securely online without needing to visit a branch in person. It's just one of the ways we're making banking easier for you. Plus, you can opt for e-statements that provide a convenient way to keep track of your transactions while reducing paper clutter. For those who prefer mobile banking, our dedicated mobile application is available for download. You can easily make mobile payments and even send money directly to friends or family with our person-to-person transfer feature. These tools allow you to manage your finances on the go, so whether you're commuting or out running errands, your bank is always at your fingertips. At Digital, we prioritize security and ease-of-use in all our services. Our digital banking solutions are designed not just for convenience but also with the latest security measures to protect your information. We believe that everyone should have access to their finances in real-time without sacrificing safety. Experience the future of banking today with Digital where managing your money is simple, secure, and tailored to fit your lifestyle!

Financial Strength

At Digital, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to showcase our strong financial position, which is built on solid foundations that benefit you, our valued members. 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. 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. We take pride in having $1,170,409,164 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $186,169 in used auto loans and $10,800,075,946 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our financial performance is reflected in our net income of $0, showcasing our operational efficiency. This success enables 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. In summary, our total share accounts stand at 2,370,879, highlighting a strong and growing member base that trusts us with their finances. 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 500 W Central St Franklin Ma 02038 or call (508) 553-9821 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We provide flexible terms to suit your needs, whether you're financing a brand-new model or a reliable used vehicle.

Business and Commercial Loans

For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand your business. We understand the unique challenges that entrepreneurs face and are committed to offering tailored financing solutions that help you succeed. At Digital, we want to ensure that you find the right loan product that fits your lifestyle. If you're interested in refinancing options or have questions about eligibility, don't hesitate to reach out. You can contact us at (508) 553-9821 for personalized assistance. 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 the next step towards achieving your financial dreams!

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. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is ready to assist you every step of the way.

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. Our credit cards come with rewards and no annual fees, making it easier for you to handle daily expenses while earning benefits.

Loan Aggregator

Benefits of Using LendMesh

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