Digital Federal Credit Union

In the heart of Worcester, the Digital Credit Union branch at 129 Gold Star Blvd is your trusted partner for smart financial solutions. Whether you’re looking to secure one of the best auto loans or manage your personal checking and savings accounts, this friendly branch offers expert guidance and convenient services tailored to fit your busy lifestyle. With drive-thru banking and an on-site ATM, making deposits, withdrawals, or quick balance checks is effortless and efficient.
Open Monday through Saturday—with extended evening hours on Thursdays and Fridays—this location ensures that managing your finances fits seamlessly into your schedule. Beyond everyday banking, members can take advantage of competitive mortgage loans and refinancing options, credit cards loaded with rewarding perks, as well as business banking services designed to support local entrepreneurs.
Serving over 1.15 million members nationwide with assets exceeding $12 billion, Digital combines robust online and mobile banking platforms with personalized local service. Visit the Digital Credit Union branch in Worcester today at 129 Gold Star Blvd or call 508-595-1202 to explore top-tier auto financing or comprehensive personal banking solutions crafted just for you. Experience community-focused service that puts your financial goals first!

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 financial partner located at 129 Gold Star Blvd, Worcester, MA 01606. Established in 1979, we have proudly served our community for over four decades, growing to support a vibrant membership of 1,154,404 individuals. Our commitment to providing exceptional services is reflected in our substantial financial standing, with total assets amounting to an impressive $12,123,497,336. At Digital, we understand the importance of community and strive to make a positive impact. With total deposits of $935,554,608 and total loans amounting to 566509, we are dedicated to helping our members achieve their financial goals. Our net worth stands strong at $1,170,409,164, ensuring that your funds are secure with us. Additionally, we maintain a healthy cash reserve of $78,643,707, which allows us to respond swiftly to member needs. Our leadership team is here for you! Under the guidance of CEO Shruti Miyashiro and Board President Lionel Raffi, we prioritize transparency and member satisfaction in every service we offer. Whether you're looking for personal banking solutions or business financing options, our experienced staff of 1,794 employees is ready to assist you. While members can visit us at our branch for a range of services including checking accounts, auto loans, mortgages, and more official correspondence should be sent to the same address: 129 Gold Star Blvd, Worcester. We invite you to explore what Digital has to offer by visiting our website at dcu.org or giving us a call at 508-595-1202. Come experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

Join Us

We invite you to experience the difference at Digital. Our dedicated team is ready to assist you during our 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. With ATM availability and drive-thru banking options, accessing your finances has never been easier. Become part of something bigger join us today and discover how Digital can help you reach your financial goals! For more information or inquiries, feel free to call us at (508) 595-1202 or visit us online at http://www.dcu.org. Together, let's build a brighter future!

Our Evolution

Since opening our doors in 1979, Digital has evolved alongside the needs of our members and the local community. We started with a small team focused on personal banking services, but as we grew, so did our offerings. Today, we provide a wide range of services including auto loans, mortgages, personal loans, and business banking solutions. Our branch is not just a place for transactions; it's a hub for connection and empowerment. Over the years, we have expanded our facilities and embraced technology to enhance member experience. With features like online banking and mobile payments, we ensure that our members have access to their accounts anytime and anywhere. We're proud to say that we are fully ADA compliant, ensuring that everyone can benefit from our services.

Our Mission

At Digital, our mission goes beyond just financial services. We strive to uplift our community by promoting financial literacy and offering support tailored to individual needs. We believe in building lasting relationships with our members through trust, transparency, and exceptional service. Whether you're looking for guidance on managing your finances or seeking assistance with loans, we're here to help you succeed. While members can visit us at 129 Gold Star Blvd, official correspondence should be sent to 129 Gold Star Blvd, Worcester, MA 1606 if necessary. We also believe in giving back. Our partnerships with local organizations enable us to contribute positively to the community through outreach programs and educational initiatives.

Branch Location & Accessibility

Call to Action

While members can visit us at 129 Gold Star Blvd Worcester Ma 01606, official correspondence should be sent to 129 Gold Star Blvd, Worcester, MA 1606. If you have any questions or want more information about our services, feel free to give us a call at (508) 595-1202. We can't wait to welcome you to Digital come see how we can assist you today!

Operating Hours

We understand that your schedule can be hectic, which is why our doors are open at convenient times. You can visit us Monday through Wednesday from 9:00 AM to 5:00 PM, and on Thursday and Friday until 7:00 PM. Need assistance on the weekend? Swing by our drive-thru service on Saturdays from 9:00 AM to 3:00 PM.

Parking and Accessibility

When you visit us, you'll find ample parking available right outside our doors, so you can easily pop in without any hassle. Our branch is fully accessible, featuring ADA-compliant entrances and ramps to ensure everyone can enjoy a smooth banking experience.

Services Offered

At Digital, we offer a variety of personal and business banking services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our friendly staff is here to help. Plus, with our ATM availability and drive-thru banking options, managing your finances has never been easier.

Member Eligibility

Welcome to Digital, where becoming a member feels like joining a close-knit community that truly cares about your financial well-being. If you're looking to open an account with us, you'll find that eligibility is straightforward and welcoming. At Digital, we invite anyone who lives, works, or worships in the area to join our family. This includes not only local residents but also employees of certain organizations and their families, making it easy for everyone to take part in the benefits we offer. Becoming a member means more than just having a bank account; it opens the door to a range of services designed to help you thrive financially. From competitive loan rates to personalized banking experiences, our members enjoy advantages that make a real difference in their lives. To learn more about what makes you eligible and to see the latest criteria, check out our detailed guide at https://www.dcu.org#membership. If you're ready to take the next step or have any questions, feel free to call us at (508) 595-1202. We can't wait to welcome you into the Digital family!

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.

Practical Merchant Services

In addition to loans, we offer merchant services that make daily transactions easier for your business. Imagine having a reliable partner that helps you process payments smoothly, manage cash flow efficiently, and provide excellent customer service all under one roof. With our tailored solutions, you can focus on what truly matters: growing your business. Located at 129 Gold Star Blvd Worcester Ma 01606 in Worcester, MA, we're here to help you take your business further. Reach out to us at (508) 595-1202 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking

For entrepreneurs, our business banking services include merchant services and business loans designed to help you grow your venture. We know how important it is for businesses to have reliable financial support, which is why we're here to assist with tailored solutions that meet your unique needs.

Convenient Access

Accessing your money should be hassle-free. That's why we offer ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits and withdrawals. If you're a member of one of our partner credit unions, enjoy the convenience of shared branch transactions for deposits and withdrawals as well.

Credit Options

We understand that life can throw unexpected expenses your way. That's why we provide various personal loans and debt consolidation options to help you stay on track financially. Plus, our credit cards with rewards allow you to earn points for your everyday purchases while enjoying low interest rates.

Digital Features

In today's fast-paced world, convenience matters. Our robust digital features ensure you can manage all aspects of your banking easily. From checking balances on-the-go with our mobile app to transferring money using our person-to-person payment service, managing your finances has never been more straightforward. At Digital, we are committed to supporting our members' financial journeys by offering these comprehensive services designed for both personal and business needs. We invite you to visit us at 129 Gold Star Blvd Worcester Ma 01606 or give us a call at (508) 595-1202 for more information about how we can assist you today!

Mortgage Solutions

Looking to buy a home? Our mortgage loans and refinancing options can help turn your dream into reality. With personalized support from our team, we guide you through each stage of the process, ensuring that you find the best rates and terms that fit your budget.

Personal Banking

For everyday banking needs, our personal banking services are designed with you in mind. Open a checking or savings account that suits your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to manage your accounts anytime, anywhere. We also offer competitive auto loans and vehicle financing options, making it simpler for you to drive away in the car of your dreams without breaking the bank.

Digital & Online Banking

24/7 Access

Our online banking services are available 24/7, so whether it's early morning or late at night, you can check balances, transfer funds, or pay bills without any delays. We prioritize security in all our digital interactions, giving you peace of mind while you manage your finances. With Digital, convenience meets security in a way that helps you stay on top of your financial goals effortlessly. Join us today and experience the ease of modern banking!

Key Features

Visit us at https://www.dcu.org/ to discover the full suite of online banking features available to our members. Our services include electronic signature authorization, which allows you to sign documents quickly and securely from the comfort of your home. You can also opt for e-statements, making it easier to manage your financial records without the clutter of paper. Managing your finances is straightforward with our mobile application, available for download on both iOS and Android devices. This app not only provides access to all your accounts but also supports mobile payments, allowing you to make transactions with just a tap on your phone. Plus, with person-to-person transfers, sending money to friends or family is quick and hassle-free.

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 how important it is for you to know that your finances are in good hands, which is why we are committed to maintaining 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 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 is robust as well; with $186,169 in used auto loans and $10,800,075,946 in total loans and leases, we support our members' financial goals across various sectors. Our commitment to operational efficiency is reflected in our $0, which 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. Total Share Accounts: 2,370,879, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $42,139,552. 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 129 Gold Star Blvd Worcester Ma 01606 or call (508) 595-1202 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

Additional Services

For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand. Additionally, if you're interested in refinancing options or would like to check your eligibility for any of our loan products, feel free to ask our staff who are ready to assist you. At Digital, we are committed to providing transparent and straightforward lending solutions tailored to meet your needs. For performance insights and financial data, we source information from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today and take the next step towards achieving your financial dreams with us!

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 a brand-new model or a reliable used vehicle, our financing options can make it easier for you to hit the road with confidence.

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 provide personalized service to help you navigate your mortgage choices and find the right solution for your financial situation.

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 programs to make everyday spending more rewarding.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key benefits designed to build trust and reliability: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what users can expect. - No Sponsored Listings: Unlike many platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, allowing them to compare options easily and efficiently. 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!" This testimonial highlights the genuine impact that accurate comparisons can have on a user's financial journey. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.