Digital Federal Credit Union

In the vibrant city of Manchester, Digital Credit Union’s Digital branch at 369 S Willow St is your go-to destination for convenient and comprehensive financial services. Whether you’re ready to take advantage of some of the best auto loans available or looking to open personal checking and savings accounts tailored to your lifestyle, this branch offers expert support in a friendly atmosphere. With hours Monday through Saturday—including later openings on Thursdays and Fridays—banking fits smoothly into your busy week.
This location provides a broad array of services such as low-rate mortgage loans and refinancing options designed to help you achieve homeownership goals, credit cards packed with rewarding benefits, and business banking solutions including merchant services and business loans for local entrepreneurs. Need quick access to cash? The on-site ATM allows easy withdrawals and balance checks during operating hours, though please note there is no drive-thru service. Plus, Digital’s robust online and mobile banking platforms keep your finances accessible anytime, anywhere.
Join over 1.15 million members who trust Digital for smart vehicle financing and personalized personal banking solutions. Visit the Digital branch in Manchester today or call 603-622-5075 to explore your financial options—experience community-driven service that puts you 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 partner in financial success located at 369 S Willow St Manchester Nh 03103 in the heart of Manchester, NH. Established in 1979, we have proudly served our community with dedication and care, building a strong membership base of over 1,154,404 individuals and families. At Digital, we understand that managing your finances can sometimes feel overwhelming. That's why we're here to provide personalized banking solutions tailored to your needs. With total assets exceeding $12,123,497,336, we ensure that your money is not just safe but also working hard for you. Our commitment to our members is evident in our total deposits of $935,554,608 and total loans reaching 566,509, which help foster growth and stability within the community. Led by our CEO, Shruti Miyashiro, and Board President, Lionel Raffi, our team of dedicated professionals comprising 1,794 employees is passionate about providing exceptional service. Whether you're looking for personal banking options like checking accounts, auto loans, or mortgages, or business solutions such as merchant services and business loans, we've got you covered. While members can visit us at 369 S Willow St Manchester Nh 03103, official correspondence should be sent to 369 S Willow St, Manchester, NH 3103 if it's different from our branch location. We invite you to explore the many ways we can assist you on your financial journey. Don't hesitate to reach out! Call us today at (603) 622-5075 or visit our website at https://www.dcu.org/ for more information on how we can help you achieve your financial goals. Your future starts with us!

Branch History & Mission

Commitment to Innovation

As part of our dedication to serving our members effectively, we've embraced digital advancements that make banking easier and more convenient. With features like online banking, mobile payments, and electronic signatures, accessing your accounts has never been simpler. We are also committed to being ADA compliant, ensuring that all members can comfortably use our services.

Community Engagement

Our impact goes beyond financial services. At Digital, we actively participate in various community events and partnerships aimed at uplifting those around us. From local charity drives to educational workshops, we strive to give back and make a positive difference in people's lives. As we look forward to continuing our journey in Manchester, we invite you to join us at Digital. Experience firsthand how our friendly team can assist you in achieving your financial goals while being an integral part of this wonderful community. Your journey towards a secure financial future begins with us! For more information or assistance, feel free to call us at (603) 622-5075 or visit our website at https://www.dcu.org/.

Our Mission

The mission of Digital is simple yet profound: we aim to provide exceptional financial services while nurturing the communities we serve. Our focus is on empowering individuals and families through accessible banking solutions. Whether it's helping you secure a mortgage, financing your next vehicle, or offering personal loans, we are here for you every step of the way. We believe that banking should not only be about numbers; it should also be about people. That's why we prioritize member education and community outreach initiatives, ensuring that everyone has access to the tools they need for a brighter financial future.

Branch Location & Accessibility

Call to Action

If you're in the area or planning a visit, feel free to give us a call at (603) 622-5075 or drop by! While members can visit us at 369 S Willow St Manchester Nh 03103, official correspondence should be sent to 369 S Willow St, Manchester, NH 3103. We look forward to welcoming you into our Manchester family!

Operating Hours

We are here for you during flexible hours: Monday through Wednesday from 9:00 AM to 5:00 PM, Thursdays and Fridays from 10:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 3:00 PM. This means you can easily squeeze in a visit before or after work or on the weekend.

Services Offered

Our branch offers a full suite of services tailored for your needs. From checking and savings accounts to auto loans and credit cards with rewards, we strive to provide personalized solutions that fit your financial goals. If you prefer digital banking, we also offer online and mobile banking options for added convenience.

Member Eligibility

At Digital, we believe in creating a warm and welcoming community where everyone can thrive. Becoming a member is simple and opens the door to numerous benefits tailored just for you. If you live, work, or attend school in the area or are related to someone who does, you're likely eligible! Our friendly team is here to support you every step of the way, ensuring that your experience feels personal and inclusive. For more details on eligibility, feel free to check out our comprehensive guide at https://www.dcu.org#membership. Joining us is just the beginning of a rewarding journey. Not only will you gain access to a variety of financial products like checking and savings accounts, auto loans, and credit cards with rewards, but you'll also be part of a supportive network dedicated to your success. Ready to get started? You can reach us at (603) 622-5075 for any questions or visit us at our branch located at 369 S Willow St Manchester Nh 03103. We can't wait to welcome you into the Digital family!

Business Banking & Commercial Services

Business 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

In addition to loans, our merchant services offer practical tools for everyday operations. Imagine having the ability to accept payments quickly and securely, allowing you to focus on what you do best running your business. Whether you're a small shop or a larger enterprise in Manchester, NH, our services can help streamline transactions and improve cash flow. Visit us at 369 S Willow St Manchester Nh 03103 or call us at (603) 622-5075 to discover how Digital can support your business ambitions today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATMs are available for easy access to funds, providing basic ATM services like withdrawals and balance checks whenever you need them. At Digital, we pride ourselves on making banking as simple and accessible as possible for everyone in our community. If you're ready to take advantage of these fantastic services or have any questions about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (603) 622-5075, visit us online at Manchester, or stop by our branch today!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it easier than ever. We offer competitive rates and flexible terms, so you can drive away with the vehicle you want without breaking the bank. Imagine cruising down the road in your new ride, knowing you secured an excellent deal!

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking solutions, including merchant services and business loans. We're here to support local businesses as they grow and thrive in the community.

Credit Cards with Rewards

Our Credit Cards with Rewards make daily spending rewarding. Earn points on purchases that can be redeemed for exciting perks! Imagine using your rewards for travel or special treats all while managing your everyday expenses effortlessly.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance for better rates, our knowledgeable staff will guide you through every step of the process. Picture yourself in that cozy living room you've always wanted, thanks to our tailored mortgage solutions.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our Online & Mobile Banking services, accessing your accounts has never been easier. Pay bills, transfer funds, or check balances anytime and anywhere because we know life doesn't stop for banking hours!

Personal Banking

We understand that managing your finances is essential for achieving your goals. That's why we offer Personal Banking options like checking and savings accounts designed to help you save while keeping your money accessible. Whether you're saving for a dream vacation or simply need a safe place for your everyday spending, our accounts cater to all.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation can provide the relief you need. We offer straightforward lending solutions that help manage debt effectively, allowing you to focus on what matters most your future.

Digital & Online Banking

Enhanced Payment Options

Are you looking for quick ways to send money? Our person-to-person transfer feature allows you to send cash instantly to friends or family, making it easier than ever to share expenses or give gifts. And if you're out shopping, take advantage of our mobile payments feature for a hassle-free checkout experience. In summary, Digital combines accessibility with cutting-edge technology to give you real-time control over your finances. Join us today and discover how easy managing your money can be!

Key Features

Whether you're at home or on the go, our 24/7 online banking services at https://www.dcu.org/ ensure that you have full access to your accounts whenever you need it. Need to check your balance? Want to pay bills or transfer money? It's all just a click away. And if you're someone who prefers using your smartphone, our user-friendly mobile application makes banking even easier.

Security and Ease of Use

Your security is our top priority. With features like electronic signature authorization, you can feel confident knowing that your transactions are safe and secure. Plus, we offer e-statements so you can keep track of your finances without the clutter of paper statements saving both time and the environment!

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 provide a strong foundation of financial health that ensures you can trust us with your savings and loans. 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 commitment to supporting your financial goals is evident in our lending capacity; we offer $186,169 in used auto loans and have a total of $10,800,075,946 in loans and leases available. Our 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. Net Shares (funds available for lending and investments) amount to $42,139,552, while our total number of share accounts stands at 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 369 S Willow St Manchester Nh 03103 or call (603) 622-5075 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 looking for a brand-new model or a reliable pre-owned vehicle, our financing options make it easier than ever to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $1,402,850,493 provide the capital needed to grow and expand your business. Whether you're starting fresh or looking to invest in your existing operation, our team is here to help guide you through the process. If you're considering refinancing or exploring eligibility options for any of these products, feel free to reach out. We're committed to providing personalized support every step of the way. For more information about our loan offerings or to discuss your specific needs, don't hesitate to contact us at (603) 622-5075. Let us help you navigate your financial journey!

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 flexible terms and competitive rates designed to fit your budget and lifestyle.

Unsecured Credit Cards

Managing everyday expenses is important, which is why 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 that can benefit you while you spend.

Loan Aggregator

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