Digital Federal Credit Union - Waltham, Massachusetts

Introduction

Digital Federal Credit Union (DCU), located at 130 Lexington St, Waltham, MA 02452, is a full-service financial institution that offers a wide range of banking, insurance, and investment services to its members. With a strong emphasis on digital banking and member experience, DCU has been serving the financial needs of its members since 1979.

Main Services

• Banking Services: DCU offers a variety of checking and savings accounts to suit different financial needs. These include Free Checking, HSA Checking, and various savings accounts like Primary Savings, Advantage Savings, and Smart Savings. They also provide Money Market Savings accounts for high-yield savings.
• Credit Cards: DCU offers a range of Visa credit card options, including the DCU Visa Signature Credit Card, DCU Rewards Visa Card, and the DCU Visa Classic Card. They also provide the Greenlight Debit Card for teens and young adults.
• Loans: DCU offers a full suite of loan products, including auto loans, mortgage loans, personal loans, and business loans. They also provide student loan refinancing and solutions for credit card debt.
• Insurance: DCU offers a variety of insurance products through their partnership with TruStage Insurance. These include auto, home, life, and accidental death and dismemberment insurance.
• Investments: DCU offers investment services through their partnership with CUNA Mutual Group. These include retirement planning, mutual funds, annuities, and managed portfolios.
• Digital Banking: DCU places a strong emphasis on digital banking, offering online and mobile banking, mobile check deposit, online bill pay, and a mobile app with features like mobile deposit and mobile check capture.

Location and Access

DCU's Waltham branch is located at 130 Lexington St, Waltham, MA 02452, near the intersection of Routes 128 and 95. It is easily accessible by car, with ample parking available in the lot adjacent to the building. Public transportation is also an option, with the Waltham Center MBTA Commuter Rail station located about a half-mile away.

Featured Characteristics

• Wheelchair Accessibility: The Waltham branch is wheelchair accessible, with a designated wheelchair entrance and parking lot.
• Cash Advance: DCU offers cash advances for members with a credit card or a loan.
• 24/7 Member Service: DCU offers 24/7 member service via phone and online banking to assist with any questions or needs.
• Online Banking Security: DCU uses industry-standard encryption and security measures to protect members' online banking information.

Practical Information

• Phone: 8003288797
• Website: dcu.org
• Hours: Monday-Thursday: 8:30am-5pm, Friday: 8:30am-6pm, Saturday: 9am-1pm, Sunday: Closed
• ATM: DCU members have access to over 30,000 surcharge-free ATMs nationwide through the CO-OP network.

Member Reviews and Opinions

DCU has an average rating of 3.2/5 on Google My Business, based on 126 reviews. Members praised DCU for its competitive rates, friendly staff, and convenient online banking services. Some members also noted the helpfulness of DCU's customer service representatives. However, some members expressed dissatisfaction with DCU's fees and the occasional difficulty in reaching a customer service representative.

Positive Aspects from Reviews:

• Competitive rates and fees
• Friendly and helpful staff
• Convenient online banking services
• Responsive customer service

Critical Aspects from Reviews:

• Occasional difficulty reaching customer service
• Some members found fees to be high

In conclusion, DCU offers a wide range of financial services to its members, with a strong emphasis on digital banking and member experience. Its Waltham branch is conveniently located and accessible, with features like wheelchair accessibility and 24/7 member service. While some members have praised DCU for its competitive rates and helpful staff, others have expressed dissatisfaction with fees and occasional difficulty reaching customer service. Overall, DCU appears to be a solid choice for those seeking a full-service credit union with a strong digital presence.

👍 Reviews of Digital Federal Credit Union

Destanni B.

1/5

Extremely rude people! I called because I wanted to ask some questions about mortgages and I was told that I needed to come to a branch during business hours. Fine whatever heads to a branch closest one is an hour from me, I check in and waited about 15 minutes. Then this woman came out Janet no pleasantries or anything just “we can’t help you we have no one here to answer your questions you have to call” I told her I did and was told to come in “you did not speak to anyone at this branch we would have told you no” well I did it’s the closest one too me. She was super rude no customer service skills. Can’t tell if you hate your life or your job but neither is my problem learn what customer service is and then maybe try and find something new. LOOKOUT FOR THE INDIAN WOMAN NAMED JANET HER NAME TAG SAID SHES BEEN THERE SINCE 2020 BE ADVISED AND STAY FAR AWAY

Udson P.

5/5

Today I had the pleasure of having Giovanna to assist me and it was a very good experience. She is wise, understanding, patient. THANK YOU. You deserve more than 5 stars.

Levon K.

1/5

Worst tellers ever , bunch of unprofessional tellers behind the glass , their jokes with each other is more important than the customers that are waiting in line. Couple of kids with no respect, they are lucky I did not snap and made a scene in front of everyone. ,, they are lucky I was in good mood

Alfred B.

1/5

Worst location ever. This is two or three time I come here everything is slow. The people on the Desk don't care. Alex Perez looks like he doesn't know what he is doing. He asked me my phone number 3 times to make a deposit? He asked me my membership number as well two times to make a deposit. Long line everyday. What is wrong with you guys?

Enrique R.

5/5

I'm a long time DCU member here.
I mainly deal with the leominster location but recently visited the Waltham office.
While I was at the Waltham located I was assisted by Sairy Ramirez. She was extremely helpful & very informative.
She completed my car loan process quickly. She made my visit to DCU a pleasant one.
It also didn't hurt that she was extremely pleasant to look at .

Harshad S.

1/5

This is the most useless bank that I've ever seen. They just flatly refused to give me a cashier's check via credit union sharing. I've had similar instances in the past when I just walked over to RTN Federal Credit Union and they helped me out in 5-10 minutes.

Don't waste your time going to this bank or this location. I'm not going to go back here again

Phil D.

5/5

I've been a long time member of DCU and today I visited this branch in specific, this young woman named Giovanna walked me through the understandings of so many things! Some stuff I've been struggling with for a while.. she explained the process of online banking in great detail to help me understand and equity loans she really made the process of banking efficient and with a smile! I will be coming to this branch with any of my banking needs and I would recommend this branch to everyone!

Garrett K.

1/5

I have been a member for 17 years, since change over in C-Suite this bank has gone seriously downhill, pretty disappointing. Everything from no virtual account access (up to 16 hours while traveling), long deposit holds and poor customer service (changes to accounts without notification)I have decided to close up shop on DCU - The era of local credit unions is over, online banks offer better service, and technology.