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Home Equity Loans
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Personal Loans
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Introduction
Welcome to Digital, your trusted partner in financial well-being located at 378 Middlesex Rd, Tyngsboro, MA 01879. Established in 1979, our credit union has proudly served over 1,154,404 members, helping them achieve their financial goals with personalized services and community-focused values. At Digital, we understand that each member's journey is unique. Whether you're looking for a new vehicle loan or planning for your future with savings accounts and mortgages, we are here to support you every step of the way. Our total assets stand at an impressive $12,123,497,336, reflecting our commitment to sound financial practices and stability. With $935,554,608 in deposits and a robust net worth of $1,170,409,164, you can trust that your money is safe with us. Our dedicated team of 1,794 employees, led by CEO Shruti Miyashiro and Board President Lionel Raffi, works tirelessly to provide exceptional service. We offer various services from personal banking to business loans that cater to all needs. For instance, we have facilitated a total of 566,509 loans and leases, empowering our members to realize their dreams. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to the same address: 378 Middlesex Rd, Tyngsboro, MA 01879-1049. If you have any questions or need assistance with your finances, don't hesitate to reach out! Call us at 978-649-0265 or explore more about our offerings on our website here. Join us today and experience the difference that comes with being a part of the Digital family!
Branch History & Mission
Community Impact
We are deeply rooted in Tyngsboro and take pride in our partnerships with local organizations aimed at improving lives within our community. Through outreach efforts, we strive to make a positive impact whether it's through financial literacy programs or sponsoring local events that bring people together. With convenient operating hours 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 make it easy for you to access the support you need when you need it most. Additionally, our drive-thru service and ATM availability ensure that banking with us is always convenient.
Join Us
As we move forward, we remain committed to being your trusted financial partner. Whether you're already part of the Digital family or considering joining us for the first time, we welcome you with open arms. Discover how we can help you achieve your financial goals today!
Our Mission
At the heart of Digital is a mission driven by community support and financial education. We believe that everyone deserves access to fair and affordable financial services. Our team is here to help you navigate your financial journey whether you're looking to save for your first home or seeking advice on debt consolidation. While members can visit us at 378 Middlesex Rd Tyngsboro Ma 01879, official correspondence should be sent to 378 Middlesex Rd, Tyngsboro, MA 01879-1049. We invite you to connect with us through various channels; give us a call at (978) 649-0265 or visit our website at https://www.dcu.org/ for more information about our services.
Our Story
Since the beginning, our mission has been clear: to empower individuals and families with the financial tools they need to thrive. We began as a small credit union, focused on providing essential banking services, and have since evolved into a full-service institution that offers everything from checking and savings accounts to auto loans and mortgages. This evolution reflects not only our commitment to innovation but also our dedication to meeting the needs of our community. As we look back on our history, notable milestones include expanding our digital services, ensuring ADA compliance for all members, and enhancing customer-centric initiatives that prioritize member experience. We are proud to offer features such as online banking, mobile payments, and electronic statements, making managing finances easier than ever.
Branch Location & Accessibility
Operating Hours
We understand that life gets busy, so we offer flexible banking hours to suit your schedule. You can visit us from Monday through Wednesday between 9:00 AM and 5:00 PM, and on Thursdays and Fridays until 7:00 PM. Plus, our drive-thru service is available on Saturdays from 9:00 AM to 3:00 PM for those who prefer a quick stop.
Parking and Accessibility
Parking is readily available, ensuring you can visit us without any hassle. Our branch is fully accessible, featuring ADA-compliant ramps and entrances to accommodate all members of our community.
Services Offered
At Digital, we provide a wide range of services tailored for your personal and business needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. If you're looking for convenient cash access, you'll be glad to know that we have ATM availability right here at the branch. For any inquiries or assistance, feel free to reach out to us at (978) 649-0265. Our friendly staff is always ready to assist you with any questions or concerns you may have. We invite you to come by and experience the exceptional service that sets us apart. We look forward to welcoming you at Digital soon!
Member Eligibility
At Digital, becoming a member means joining a close-knit community that cares about your financial well-being. If you're looking to be part of something special, you're in the right place! Membership is open to individuals who live, work, or attend school in certain areas, as well as their family members. This inclusive approach ensures that we welcome everyone who shares our values of support and community. To see if you meet the eligibility criteria, feel free to check out the detailed information available at https://www.dcu.org#membership. Opening an account with us is a simple process designed to make you feel right at home. Whether you're interested in personal banking services like checking and savings accounts, or loans for your next vehicle or home, we've got you covered. If you have any questions or need assistance, don't hesitate to give us a call at (978) 649-0265. We're here to help you every step of the way as you embark on this exciting journey with Digital!
Business Banking & Commercial Services
Financing Your Growth
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. This funding can empower you to purchase new equipment, hire additional staff, or even open a new location. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions for those who may not yet be part of our credit union family. - With an outstanding commercial loan portfolio of $1,402,850,493, we continue to drive economic growth by financing new and expanding businesses right here in Tyngsboro, MA.
Merchant Services That Matter
In today's fast-paced world, effective payment solutions are crucial. Our merchant services help streamline transactions so you can focus on what matters most growing your business. Imagine easily accepting payments from customers whether they're shopping online or visiting your storefront. Our tools provide seamless integration for both you and your clients, making every sale a little easier. Explore how Digital can be your partner in success. We're located at 378 Middlesex Rd Tyngsboro Ma 01879, ready to help you turn your vision into reality!
Comprehensive List Of Services
Business Banking
If you're a small business owner, you'll appreciate our business banking services, including merchant services and business loans. We understand how vital financial support is for growing businesses, so we're committed to helping you succeed.
Credit Cards
For those who prefer using credit for everyday purchases, our credit cards with rewards offer great benefits like cash back or points on purchases. This way, you can earn while you spend!
Digital Banking
In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. You can manage your accounts from anywhere with just a few taps on your smartphone or clicks on your computer. Our services include ATM access for cash withdrawals and balance checks anytime you need it.
Drive-Thru & ATM Services
For quick transactions, take advantage of our drive-thru banking which allows you to handle deposits, withdrawals, and simple transactions without leaving your car. If you're out and about, our ATMs are always available for quick cash withdrawal. At Digital, we believe in making banking accessible and convenient for everyone. If you're ready to explore these services further or have any questions, don't hesitate to reach out at (978) 649-0265 or visit us at https://www.dcu.org/. Join us today; we look forward to assisting you with all your financial needs!
Home Financing
Buying a home is a significant milestone, and at Digital, we want to make the process as smooth as possible. Our mortgage loans and refinancing options are crafted to suit various budgets and lifestyles. You can count on us for expert guidance through every step of the mortgage process.
Personal Banking
We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed for everyday needs. With competitive interest rates and easy online access, you can track your savings and spending effortlessly. For those considering purchasing a vehicle or refinancing an existing loan, our auto loans and vehicle financing options come with flexible terms to fit your budget.
Personal Loans
Sometimes life throws unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. Whether you need funds for medical bills or want to consolidate high-interest debt into one manageable payment, we're here to help you find the right solution.
Digital & Online Banking
Key Features
With our online banking platform available at https://www.dcu.org/, accessing your account is just a click away. You can check balances, transfer funds, and pay bills without needing to visit a branch. Plus, our mobile application makes it even easier to handle your banking on the go. Enjoy the flexibility of mobile payments, allowing you to make transactions directly from your smartphone. Security is a top priority for us. Our electronic signature authorization feature enables you to sign documents digitally, ensuring your transactions are both fast and secure. You can also opt for e-statements to keep track of your finances while reducing paper clutter because who doesn't love going green? For those times when you want to send money quickly, our person-to-person transfer service makes it easy to send funds to friends or family with just a few taps on your phone. And with 24/7 online banking services available, you can manage your finances whenever it suits you best.
User-Friendly Experience
We designed our digital banking tools with simplicity in mind. Navigating through your accounts is straightforward, so you can focus on what matters most making informed financial decisions. Real-time account management means you'll always know where you stand financially. In today's fast-paced world, convenience matters more than ever. At Digital, we're committed to providing digital banking solutions that empower our members. Embrace a new level of banking that fits right into your lifestyle!
Financial Strength
A Growing Community
Total Share Accounts: 2,370,879, showing a strong and growing member base that trusts us with their finances. This community of members is a testament to the reliability of Digital, where every account contributes to collective strength. 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 378 Middlesex Rd Tyngsboro Ma 01879 or call (978) 649-0265 to learn more about how we can help you achieve your financial goals.
Commitment to Growth and Service
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 focus on growth means more resources dedicated to improving your banking experience. Our lending capacity is robust with $186,169 in used auto loans and $10,800,075,946 in total loans and leases supporting your financial goals across various sectors. This capability allows us to assist more members with their needs whether it's buying a car or financing a personal project.
Efficiency You Can Trust
Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We work hard to manage expenses effectively so that more benefits flow back to you. 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. Your questions will always be met with informed answers from professionals who care about your experience.
Secured Savings Opportunities
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. These options provide peace of mind knowing that your savings are safe while also growing over time. 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.
Strong Financial Health
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 commitment to sound financial practices ensures that your money is in good hands. 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. This ratio indicates our ability to withstand market fluctuations and uphold our mission of serving you effectively.
Loan Offering
Additional Options
For those interested in business financing, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand your business. Additionally, if you're considering refinancing options or want to learn about eligibility requirements, our team is here to assist you. At Digital, we are committed to providing financial solutions that work for you. For any inquiries or assistance regarding our loan offerings, feel free to reach out at (978) 649-0265 or visit us at 378 Middlesex Rd Tyngsboro Ma 01879 in Tyngsboro, 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. We look forward to helping you reach your financial aspirations!
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 financing for both new and used vehicles, ensuring that you have the resources needed to make your purchase smooth and straightforward.
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 strive to guide you through every step of the mortgage process, offering competitive rates and terms designed to fit your budget.
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 requirement, providing you with the freedom to make purchases while enjoying low interest rates.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every user sees the same fair options without influence from advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and easily. Whether you're looking for a mortgage or an auto loan, you'll find current rates at your fingertips. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of using this tool to navigate your financial needs. 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.
How LendMesh Ensures Accurate 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 ensures that you receive fair and transparent offers. Every loan comparison is backed by verified data, eliminating concerns about misleading or outdated information.