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Home Equity Loans
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Mortgage Loans
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Personal Loans
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Introduction
Welcome to Digital, your trusted financial partner located at 225 Shrewsbury St, Worcester, MA 01604. Since our establishment in 1979, we have been dedicated to serving our community with a range of personal and business banking solutions. Our commitment to our members is reflected in our impressive total membership of over 1,154,404 individuals who rely on us for their financial needs. At Digital, we pride ourselves on maintaining a strong financial foundation, with total assets amounting to an impressive $12,123,497,336. This strength allows us to provide competitive rates and services that benefit our members directly. Whether you are looking for auto loans, mortgages, or credit card options, we have tailored solutions designed just for you. With total deposits exceeding $935,554,608, our members can feel confident in the safety and growth of their funds. Under the leadership of CEO Shruti Miyashiro and Board President Lionel Raffi, we strive to foster a welcoming environment where everyone feels valued. We understand that financial decisions can be daunting, which is why our knowledgeable staff is here to guide you every step of the way. Our dedicated team of 1,794 employees ensures that each interaction is personal and supportive. While members can visit us at 225 Shrewsbury St, official correspondence should be sent to the same address: 225 Shrewsbury St, Worcester, MA 01604-4648. Feel free to reach out via phone at 508-754-6030 during our 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. We invite you to explore what Digital has to offer by visiting our website at dcu.org. Join us in making your financial goals a reality today!
Branch History & Mission
Community Engagement
Our connection with the community goes beyond financial services. We actively seek partnerships with local organizations to support various outreach efforts aimed at improving lives and making a positive impact. By investing in local initiatives and supporting charitable events, we strive to be more than just a credit union; we want to be an integral part of the fabric of Worcester. While members can visit us at 225 Shrewsbury St Worcester Ma 01604, official correspondence should be sent to 225 Shrewsbury St, Worcester, MA 01604-4648 if different. For any inquiries or assistance, feel free to reach out at (508) 754-6030. Join us at Digital and experience firsthand how we're committed to helping you succeed financially while enriching our community together. We invite you to become part of our growing family where your financial goals are within reach! For more information on membership eligibility or services offered, please visit our website at https://www.dcu.org/.
Our Mission
The mission of Digital is clear: we aim to provide personalized financial solutions while enhancing the quality of life in our community. We believe in putting people first our members, employees, and the communities we serve. This commitment drives us to offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. We also focus on accessibility and convenience. Our branch features an ATM for easy cash access and offers drive-thru services for quick transactions. With operating hours designed to fit your busy lifestyle 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 we ensure you have access when you need it most.
Branch Location & Accessibility
Nearby Landmarks and Accessibility
Situated near popular local spots, our branch is easy to find. If you're out and about shopping or visiting friends, swing by for all your banking needs. We offer ample parking for your convenience, along with ADA-compliant features to ensure everyone can access our services easily.
Operating Hours and Services
We know that life can get busy, which is why we've tailored our operating hours just for you. Our lobby is open from 9:00 AM to 5:00 PM Monday through Wednesday, and extends to 9:00 AM to 7:00 PM on Thursday and Friday. On Saturdays, you can utilize our drive-thru from 9:00 AM until 3:00 PM. Need assistance? Just give us a call at (508) 754-6030. At Digital, we provide a range of services to meet your financial needs from personal banking options like checking and savings accounts, to auto loans and credit cards with rewards. Enjoy the ease of accessing an ATM anytime or use our drive-thru for quick deposits and withdrawals.
Visit Us Today!
While members can visit us at 225 Shrewsbury St Worcester Ma 01604, official correspondence should be sent to 225 Shrewsbury St, Worcester, MA 01604-4648. We invite you to stop by and experience the friendly service that makes banking with us special. Your financial journey starts here at Digital, where we're ready to assist you every step of the way!
Member Eligibility
Becoming a member of Digital is like joining a friendly neighborhood where everyone is supported and valued. If you're looking to benefit from a community-focused financial institution, you're in the right place! To be eligible for membership, you generally need to live, work, or worship in the area surrounding our branch at 225 Shrewsbury St Worcester Ma 01604. We warmly welcome individuals who are part of specific communities or organizations associated with us. It's all about creating connections and helping each other thrive. For a detailed look at the eligibility criteria, feel free to check out our membership page. Joining is simple and convenient; just give us a call at (508) 754-6030 for assistance or visit us during our operating hours. We're here to guide you through the account opening process, ensuring that your journey with us is smooth and welcoming. Whether it's personal banking, loans, or other services we offer, being part of Digital means enjoying tailored solutions designed just for you.
Business Banking & Commercial Services
Loan Options That Fuel 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. - 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 That Make Sense
In addition to loans, we offer merchant services tailored to help you streamline payments and enhance customer satisfaction. Imagine making sales easier than ever whether it's through point-of-sale systems or online payment processing. Our services can save you time and improve cash flow, allowing you to focus on what you do best: running your business. Located at 225 Shrewsbury St Worcester Ma 01604 in Worcester, MA, we are ready to partner with you on your journey. Let's take your business to new heights together! For more information, give us a call at (508) 754-6030.
Comprehensive List Of Services
ATM & Drive-Thru Services
For quick transactions, we provide ATM access for withdrawals and balance checks as well as basic drive-thru banking services for deposits and simple transactions. Our goal is to ensure that accessing your money is easy whenever you need it. At Digital, we're committed to making your banking experience as smooth as possible. With our extensive list of services designed with you in mind, we're here to support all your financial needs. If you'd like to learn more about how we can help you achieve your financial goals, don't hesitate to reach out at (508) 754-6030 or visit us online at https://www.dcu.org/. We look forward to serving you!
Business Banking Support
Small business owners will appreciate our tailored business banking services, including merchant services and business loans. We know running a business comes with its own set of challenges, so we're here to provide the financial support you need to thrive.
Credit Cards with Benefits
With our credit cards offering rewards, managing everyday expenses has never been easier or more rewarding. Whether you're using it for groceries or planning a trip, you'll earn points that can be redeemed for various perks.
Digital Banking Convenience
In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options at Worcester Shrewsbury Street. You can easily check your balance, pay bills, transfer funds, and even use person-to-person payment features all from the comfort of your home or on the go.
Home Financing Made Easy
For those ready to buy a home or refinance an existing mortgage, Digital provides comprehensive mortgage loans. Our team is here to guide you through the process and find the right mortgage solution that fits your lifestyle and budget.
Personal Banking Solutions
Our personal banking services include checking and savings accounts designed for everyday banking needs. Imagine having a convenient way to manage your money while earning interest on your savings. For those planning significant purchases or looking to consolidate debt, we offer personal loans that can help make those goals achievable.
Vehicle Financing Options
If you're thinking about purchasing a new car, our auto loans and vehicle financing options are perfect for you. We understand that buying a car is a big decision, which is why we strive to offer competitive rates and flexible terms. This way, you can drive off with confidence and peace of mind.
Digital & Online Banking
Connectivity and Security
With our person-to-person transfer feature, sending money to friends or family is straightforward and secure. No need for cash or checks just use our digital tools to send funds instantly. At Digital, we prioritize your security. Our systems use advanced encryption to protect your personal information so that you can bank confidently. In summary, our digital and online banking services at Digital combine accessibility, ease-of-use, and real-time account management. Experience financial freedom like never before by visiting us online at https://www.dcu.org/ today!
Key Services
Our 24/7 online banking service allows you to access your accounts whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with electronic signature authorization, signing documents has never been simpler or more secure. You can complete transactions from the comfort of your home without the hassle of printing or mailing paperwork. If you're looking to save time, our e-statements provide a quick and easy way to keep track of your account activity without the clutter of paper statements. You can view your statements online anytime, ensuring that you stay informed about your finances. For those who prefer banking on-the-go, our mobile application is available for download, making it easier than ever to manage your accounts from your smartphone. You can also enjoy the convenience of mobile payments, allowing you to make purchases directly from your device with just a tap.
Financial Strength
Growing Membership Base
Total Share Accounts: 2,370,879, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $42,139,552, further demonstrating our commitment to supporting you financially. 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 225 Shrewsbury St Worcester Ma 01604 or call (508) 754-6030 to learn more about how we can help you achieve your financial goals.
Member-Centric Savings
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 commitment to efficiency is reflected in our operational performance, with a net income of $0 that 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.
Reinvestment in Services
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 ability to offer $186,169 in used auto loans and $10,800,075,946 in total loans and leases supports your financial goals across various sectors.
Strong Financial Position
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 interested in financing a brand-new vehicle or a reliable used one, our team can help guide you through the process and find an option that suits your needs.
Business Financing
For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand. We understand the challenges of running a business, and we're here to support you with tailored financial solutions. If you're considering refinancing any of your existing loans or want to know more about eligibility options for any of our products, don't hesitate to reach out. Our team at Digital, located at 225 Shrewsbury St Worcester Ma 01604, Worcester, MA, is ready to assist you. You can also call us at (508) 754-6030 during our operating hours: Mon., Tues., Wed., 9:00 AM - 5:00 PM; Thurs. & Fri., 9:00 AM - 7:00 PM; Sat., 9:00 AM - 3:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit our website at https://www.dcu.org/ for more details on all our loan offerings and how we can help you succeed financially!
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 also provide resources and support for first-time homebuyers and those looking to refinance their existing mortgages.
Unsecured Credit Card Loans
Managing finances can be easier with our flexible terms on unsecured credit card loans, totaling $694,219,562. These cards come with features that help you keep track of spending while providing access to funds when you need them.
Loan Aggregator
Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency allows users to feel confident in their loan choices. LendMesh ensures accurate loan comparisons through a reliable data sourcing method. 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 compliance guarantees fair and transparent offers, giving users peace of mind as they navigate their options. One key benefit of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring full transparency in the comparison process. Moreover, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means users receive unbiased results, focusing solely on the best available loan options. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, which helps users make informed decisions quickly. This timely information empowers individuals to act when they find a favorable rate without delay. 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 real impact that LendMesh has on borrowers seeking better rates. 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.