Digital Federal Credit Union

Nestled in the heart of Lexington, the Digital Credit Union branch at 1751 Massachusetts Ave is your local gateway to smart financial solutions. Whether you’re looking to drive away with one of the best auto loans or streamline your personal banking with convenient checking and savings accounts, this branch offers personalized service tailored to your goals. Open Monday through Wednesday from 8:00 am to 4:00 pm, Thursdays and Fridays until 6:00 pm, and Saturdays from 9:00 am to 3:00 pm, it’s easy to stop by when it fits your schedule.
With over 1.15 million members and assets surpassing $12 billion, Digital provides trusted services including mortgage loans with competitive rates, credit cards featuring rewarding perks, and business banking solutions designed to help local entrepreneurs thrive. Need quick cash? The on-site ATM offers hassle-free withdrawals and balance checks during all operating hours.
Experience how Digital blends technology with community focus—offering robust online and mobile banking alongside expert guidance at this welcoming Lexington location. Visit today at 1751 Massachusetts Ave or call 781-402-0920 to explore top-tier auto financing and comprehensive personal banking options crafted just for you!

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 partner in financial wellness located at 1751 Massachusetts Ave, Lexington, MA 02420. Since our establishment in 1979, we have been committed to serving our community with integrity and a personal touch. With a membership base of over 1,154,404, we take pride in providing a variety of financial services tailored to meet the unique needs of each member. At Digital, we understand that your financial goals are important. That's why we offer an extensive range of products including checking and savings accounts, auto loans, mortgages, and business banking solutions. With total assets of over $12 billion, we ensure that your money is in safe hands. Our net worth stands strong at $1,170,409,164, showcasing our stability and commitment to our members. Our dedicated team of 1,794 employees is here to support you every step of the way. Under the leadership of CEO Shruti Miyashiro and Board President Lionel Raffi, we strive to create a welcoming atmosphere where every member feels valued. Whether you need assistance with a loan or want to explore our online banking options, we're here to help. While members can visit us at 1751 Massachusetts Ave, official correspondence should be sent to 1751 Massachusetts Ave, Lexington, MA 2420. Join us today and discover how Digital can help you achieve your financial aspirations! Feel free to give us a call at 781-402-0920 or visit our website at dcu.org for more information. Your journey towards financial success starts here!

Branch History & Mission

Community Impact

Our connection with the community is what sets us apart. We actively participate in local events and initiatives, partnering with organizations that share our values. From supporting local schools to sponsoring community health fairs, we strive to make a positive impact on those around us. As technology advances, so do we. Our digital banking options make managing finances easier than ever. With features like mobile payments and online banking, our members can access their accounts anytime, anywhere. We also ensure that our facilities are ADA compliant, making banking accessible for everyone.

Join Us

If you're looking for a credit union that values you as more than just an account number, consider becoming a member of Digital. Whether you need assistance with loans or simply want to open a checking account, we're here for you every step of the way. Visit us during our operating hours: - Monday through Wednesday: 8:00 am - 4:00 pm - Thursday and Friday: 8:00 am - 6:00 pm - Saturday: 9:00 am - 3:00 pm Feel free to reach out at (781) 402-0920 if you have any questions or need assistance. Experience the difference at Digital your trusted partner in financial success!

Our Mission

At Digital, our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community and support among our members. We believe that everyone deserves access to quality financial products, whether it's personal banking, auto loans, or mortgage services. Our commitment extends beyond traditional banking; we aim to empower our members through education, resources, and personalized guidance. We take pride in having amassed total assets of over $12,123,497,336. This financial strength enables us to offer competitive rates and innovative solutions tailored to meet the diverse needs of our members.

Branch Location & Accessibility

Accessibility Features

At Digital, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and designated parking spots to ensure everyone can visit us comfortably. Whether you're stopping by for a quick transaction or seeking financial guidance, our friendly staff is always ready to assist you.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Wednesday from 8:00 AM to 4:00 PM, Thursday and Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 3:00 PM. We strive to accommodate your schedule so you can manage your finances with ease.

Services Offered

Our branch provides a range of services designed to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, enjoy the convenience of ATM services available right here at Digital. While we don't have drive-thru banking at this location, our lobby is open and welcoming for all your banking needs. If you have any questions or need assistance, please don't hesitate to call us at (781) 402-0920. We're excited to help you achieve your financial goals. Visit us today!

Member Eligibility

At Digital, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming. If you live, work, or worship in certain areas, you may already qualify! We invite individuals who share our values to join us whether you're looking for personal banking services, auto loans, or just a place to save your money. The best way to check your eligibility is by visiting our website at https://www.dcu.org#membership, where you'll find all the details you need. Once you've confirmed that you're eligible, opening an account with us is straightforward. You can get started right away by calling us at (781) 402-0920 or stopping by our branch located at 1751 Massachusetts Ave Lexington Ma 02420. We're here to help you take the first step toward enjoying the benefits of being a member at Digital!

Business Banking & Commercial Services

Merchant Services

Imagine having the ability to accept payments effortlessly. Our merchant services allow you to process transactions securely, ensuring your customers have a smooth checkout experience. This means you can focus on what matters most growing your business. Located at 1751 Massachusetts Ave Lexington Ma 02420 in Lexington, MA, we're here to partner with you every step of the way. Connect with us today at (781) 402-0920 and let's take your business to new heights!

Tailored Business Loans

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

Business Banking Support

For local entrepreneurs and businesses, we offer Business Banking services including merchant services and business loans tailored specifically for small businesses. We believe that supporting local businesses strengthens our community.

Convenient Access

Understanding the importance of convenience in today's fast-paced world, we also provide ATM & Cash Withdrawal Services throughout the area. With basic ATM access for withdrawals and balance checks available at multiple locations, managing your money has never been easier.

Get Started Today!

We invite you to explore all the ways Digital can support your financial journey. For questions or assistance, feel free to give us a call at (781) 402-0920. Our friendly staff is eager to help you navigate our services and find solutions that work best for you. Visit us today at 1751 Massachusetts Ave Lexington Ma 02420 in Lexington, or check out our website at Lexington for more information on how we can assist you!

Loans Made Easy

When life throws unexpected expenses your way or when you're ready to make a big purchase, our Auto Loans & Vehicle Financing options are here for you. We understand the joy of driving off in a new car, so we work with you to find the right financing solution. For those considering homeownership or refinancing their current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. If you're looking for a little extra cash for personal projects or consolidating debt, our Personal Loans & Debt Consolidation offerings are straightforward and accessible. Plus, our credit cards come with rewards that can help you save even more as you spend.

Personal Banking Solutions

Navigating personal finances can be overwhelming, but it doesn't have to be. At Digital, we offer Personal Banking services that include checking and savings accounts designed to fit every lifestyle. Imagine having easy access to your funds while earning interest on your savings that's what we aim for! Our members enjoy the convenience of online and mobile banking, making it simple to check balances, transfer money, and pay bills from anywhere.

Digital & Online Banking

Key Features of Our Online Banking Services

With our 24/7 online banking, you can access your accounts anytime, anywhere. Whether you're checking your balance or transferring funds, it all happens quickly and securely at https://www.dcu.org/. Plus, for those who prefer going paperless, we provide e-statements that are not only eco-friendly but also help you stay organized. Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple to send funds instantly with just a few taps on your mobile device. Speaking of mobile devices, our user-friendly mobile application allows you to manage your accounts on the go. You can pay bills, deposit checks, and even make mobile payments effortlessly. Security is a top priority for us at Digital. We use electronic signature authorization for many transactions, ensuring that your information is protected every step of the way. You can bank with peace of mind knowing that your financial data is safe. In today's fast-paced world, having access to real-time account management is essential. With our online banking services, you can stay on top of your finances without any hassle. If you have any questions or need assistance along the way, our dedicated support team is just a phone call away at (781) 402-0920. Experience the ease and efficiency of banking with Digital where managing your money meets modern technology!

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 understand that you want to feel confident about where you put your money, and we're here to provide that assurance. 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. 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. Our lending capacity supports your financial goals with $186,169 in used auto loans and $10,800,075,946 in total loans and leases. Our commitment to operational efficiency is reflected in our $0, 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 ready to assist you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $42,139,552. Total Share Accounts: 2,370,879, showing 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 1751 Massachusetts Ave Lexington Ma 02420 or call (781) 402-0920 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have competitive rates and flexible terms that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand your operations. We recognize the importance of supporting local businesses and are committed to offering solutions that foster growth and sustainability.

Credit Lines

In addition to our traditional loan products, we also provide credit lines with a total value of $3,162,203,528. This gives you access to funds when you need them most, offering flexibility and peace of mind in managing your cash flow. We invite you to explore our lending options further. If you're considering refinancing or want to know more about eligibility criteria, don't hesitate to reach out. Our team is ready to assist you in finding the right loan product tailored just for you. For more information or assistance, contact us at (781) 402-0920, or visit us at our branch located at 1751 Massachusetts Ave Lexington Ma 02420 in Lexington, MA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 provide straightforward solutions that help you secure the home of your dreams without unnecessary complications.

Unsecured Credit Card Loans

Managing everyday expenses just got easier. 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. This option is perfect for those looking to consolidate debt or cover unexpected expenses without the burden of collateral.

Loan Aggregator

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