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DCU and First Tech have officially merged.
There are no changes to accounts, branches, or products now. We’ll share updates when available.
Next steps for the DCU & First Tech merger
An Update for Our Members: Thank You for Your Trust in First Tech
There are moments in the life of a credit union that call for more than a standard update. This is one of them as we reach out to share where we are on our merger journey, what's already improving for you, and what you can expect in the months ahead. Staying connected with you matters to each of our team members.
On January 1, 2026, Digital Federal Credit Union and First Tech Federal Credit Union officially merged to become one credit union. While the paperwork is done, our real focus is just beginning: setting a new standard in people-first solutions and ensuring this combination delivers meaningful value in your everyday financial life.
What’s already improving for you
Beginning January 1, 2026, a new fee schedule was introduced that eliminated and reduced many fees across the credit union. Altogether, these changes will return an estimated $6 million to members this year alone. Fee reductions are practically unheard of in banking. For us, they reflect a deliberate choice to be purposefully built around member value and financial wellbeing.
What’s not changing right now
We know mergers can feel uncertain. So, we want to be straightforward. In 2026, you can count on:
- The same accounts
- The same branches
We are carefully and intentionally planning system conversions with one guiding principle: minimizing disruption for you. We understand how important it is to keep the same experience you’re accustomed to, and we are working closely with our partners and technology teams to limit changes wherever possible.
When changes are necessary, you can expect:
- Advance notice and clear, easy‑to‑understand information
- Time to prepare
- Extra guidance and help from us along the way
That’s our commitment to being fiercely supportive, especially during times of change.
A little about what's happening behind the scenes
Behind the scenes, teams from across the organization are working closely and thoughtfully to bring the best of both credit unions together. This work is grounded in care—for your accounts, your security and your day‑to‑day experience.
Just as important, we are listening and acting. Through recent member listening sessions, we gathered candid feedback and followed up directly where questions or concerns were raised. Those conversations are already shaping real actions today, and they won’t stop there. Ongoing listening sessions are planned, so your feedback continues to inform decisions, improvements and priorities as we move forward together.
Listening, transparency and follow‑through are not one‑time efforts. They are essential to our commitment to always improving and being fiercely supportive of the people we serve.
A final word on putting people first
As we move forward together, it’s important that your experience reflects our intentions. We are honored that your trust in us has led to multiple national and regional awards including: being named USA Today’s Best in Customer Service and one of USA Today’s Most Trusted Brands, as well as recognition as Best Credit Union in Central Massachusetts for the tenth consecutive year by the Worcester Business Journal and Best Credit Union in Greater Nashua for 2025 by The Telegraph.
These honors reflect the dedication of our teams and reinforce a commitment you can count on: solutions that are purposefully built, always improving and fiercely supportive—today and into the future.
We'd love to hear from you
This is your credit union. If you have a question, a concern, or a suggestion, we want to hear from you. Please feel free to share any feedback or questions you may have through our member perspectives portal. We read member feedback, and it genuinely shapes the decisions we make.
Thank you for being a member and for placing your trust in us. We’re committed to communicating openly and regularly as we continue this journey.
Warm regards,
Shruti Miyashiro
President & CEO
What does this mean for you, our members?
This milestone allows our newly combined credit union to deliver even more exceptional value to you – our members – by bringing together the strength and stability of two of the nation’s most trusted technology-focused, member-driven financial institutions.
What’s NOT changing
Your account and routing numbers, products, services, and online/digital banking: There are no planned changes at this time, and you can continue to use your existing DCU credit/debit cards, checks, products and services as you do today. Your direct deposits and automatic payments will continue without interruption. If you have a pre-existing mortgage or loan (student, auto, personal, etc.) with DCU, the terms of your loan will not be impacted.
Our branches: All DCU branches will remain open and ready to serve you. You can keep doing your banking at your local branch as you always have.
Your ability to use First Tech branches, online banking, products and services to conduct your daily banking: We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. Please continue to bank with DCU as you have been for now.
The same exceptional service you’ve come to expect from DCU: We will continue to operate in the same way as always.
What has changed
Our name will be First Technology Federal Credit Union: We will use the First Tech name across all of our branches, products, and services as we integrate our two credit unions.
NCUA insurance will be combined for members with accounts at both credit unions: These accounts will be held by a single financial institution – our newly-merged credit union – as of January 1. After a six-month grace period, your total share insurance coverage will be up to $250,000 for all your individual accounts combined, and $250,000 for your aggregated interest in all joint accounts combined. These amounts are set by the NCUA under its National Credit Union Share Insurance Fund (NCUSIF). For additional information, please visit the NCUA website.
Frequently Asked Questions
Why Did We Merge?
This milestone allowed us to create something truly extraordinary – a forward-thinking, member-driven, digitally powered credit union that sets the standard for the credit union industry.
Building on our history of innovation from Digital Equipment Corporation (DEC), we will deliver an even more exceptional financial experience to all of you – our members – by combining the strength and stability of two of the nation’s most trusted technology-focused, member-driven credit unions with benefits such as:
- Significant investments in our products, services, and technology to enhance and transform digital experiences to ensure seamless service wherever you are,
- Continued commitment to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work,
- Expanded access to a more extensive network that doubles the number of branches.
Of course, we will stay true to those same principles that launched us 45 years ago as a member-owned co-op that continues to put members, employees, and community needs first. The heart of who we are – our values, our mission, our people – will continue to expand from our deep DCU roots and our DEC legacy.
This merger will allow us to deliver an even more exceptional financial experience to all of you – our members – by combining the strength and stability of two of the nation’s most trusted technology-focused, member-driven credit unions with benefits such as:
- Significant investments in our products, services, and technology to enhance and transform digital experiences to ensure seamless service wherever you are,
- Continued commitment to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work,
- Expanded access to a more extensive network that doubles the number of branches.
This is a merger of like-minded organizations for the mutual benefit of our members, employees, and communities. Our credit unions have a shared origin, each created to serve the financial needs of technology employees and their families through reinvestment and innovation. While First Tech is larger in asset size at $17B, DCU brings more than 1.1 million new members to the organization, creating vast opportunities for innovation and growth. The new organization will have about $28.7B in assets, one of the largest credit unions in the country, serving more than two million members with 54 branches in eight states. The merger will bring together the best of both credit unions.
Yes, that’s what makes uniting the two organizations such a strategic value position. Both institutions are well capitalized, far exceeding regulatory standards, have strong liquidity and maintain a balanced loan-to-deposit ratio. These factors, in addition to operating in a safe and sound manner, set the stage for a very strong combined entity – one that will have the resources and scale to deliver value to our membership for years to come.
Yes, we do! First Tech was also founded on the premise of people helping people, with employees coming to work every day to make a difference in the lives of members by doing the right thing and acting with integrity – much the same way DCU shows up as engaged, dynamic and genuine. First Tech is also deeply committed to the community, donating more than $2 million annually, and sharing our goal of fostering a brighter, more equitable future in the communities where we live and work.
While it is one of the largest mergers of two credit unions, and a merger of the two leading technology-forward credit unions, the new organization will remain true to our values as a member-owned co-operative that continues to put members’, employees’ and community needs first. That’s the credit union difference, and it’s here to stay.
New Credit Union Facts
The name of the combined credit union is First Technology Federal Credit Union, or First Tech for short.
Our decision to use the name “First Tech” was not made lightly. After researching affinity for our brands in our regions and nationwide, both respected brands had strong brand awareness.
First Tech was ultimately chosen because it reflects a broader, more inclusive identity – one that allows us to grow while continuing to serve our members with the same dedication and values that have always defined us.
DCU’s President/CEO Shruti Miyashiro is CEO of the newly combined credit union. First Tech President and CEO Greg Mitchell retired on December 31, 2025.
Shruti is joined by a newly appointed leadership team comprised of experienced executives from both DCU and First Tech.
The combined organization will maintain corporate offices on both coasts, with the headquarters located in San Jose, CA. DCU will continue to maintain its branches and corporate offices in Massachusetts and New Hampshire.
Member Impact
News of any change will undoubtedly raise questions, and we are committed to sharing progress updates for members at key points along the way. Members have an important voice in this merger, so there will be plenty of opportunities to learn more about this strategic combination and the benefits to members and employees. The process of integrating the operations of organizations will begin with an anticipated operational integration in 2027.
No, there will not be any immediate changes in 2026. You can continue to use your credit cards, debit cards, and checks as you have been. Additionally, any direct deposits and automatic payments will continue without interruption.
We’re still very early in the merger planning process, so we don’t expect any impacts on member accounts or routing numbers until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members – and support you through them.
The following features, benefits and services will remain as they are, even after integration is completed:
- Your account numbers, products, services and online & mobile banking
- Credit union deposits will continue to be federally insured by the NCUA, with up to $250,000 in protection for individual membership. If you have accounts at both credit unions, those accounts will be held by a single financial institution – our newly-merged credit union – as of January 1. After a six-month grace period your total share insurance coverage will be up to $250,000 for all your individual accounts combined, and $250,000 for your aggregated interest in all joint accounts combined. These amounts are set by the NCUA under its National Credit Union Share Insurance Fund (NCUSIF). For additional information, please visit the NCUA website.
- First Tech and DCU members can continue to perform transactions at their local branch.
- We will continue our commitment to supporting our communities through our volunteerism initiatives and philanthropic work.
- The same service and commitment to help you achieve your financial dreams!
The following features, benefits and services will be enhanced following integration because of the merger:
- More product offerings and cutting-edge technology – You will be able to take advantage of a broader range of products and services and improved digital technology to enhance your banking experience.
- Lower fees – Starting in early 2026, First Tech and DCU will be reducing or eliminating fees for several services we provide.
- Simplified, efficient service – You’ll have expanded access to a more extensive network that doubles the number of branches. We’ll continue to support the Co-Op Shared Branch Network, delivering access to more than 5,000 branches and 30,000 ATMs across America.
The rates we offer our members are always dependent on the general market and the external interest rate environment, and that process will never change.
If you have a pre-existing mortgage or loan (student, auto, personal, etc.) with DCU, the terms of your loan will not change because of the merger.
If you have accounts at both credit unions, those accounts will now be held by a single financial institution – our newly-merged credit union – as of January 1. After a six-month grace period, your total share insurance coverage will be up to $250,000 for all your individual accounts combined, and $250,000 for your aggregated interest in all joint accounts combined. These amounts are set by the NCUA under its National Credit Union Share Insurance Fund (NCUSIF). For additional information, please visit the NCUA website.
Besides that change, there are no planned changes to accounts at this point. For now, you can conduct your business as usual, and we will continue to operate in the same way as always. Please ensure you are using the correct routing numbers (DCU or First Tech) as applicable to perform transactions from your intended accounts.
Both DCU and First Tech are federally insured credit unions through the National Credit Union Share Insurance Fund (NCUSIF). As of January 1, 2026, when the credit unions have combined, each member of the combined credit union will have up to $250,000 in share insurance coverage across all accounts through the NCUSIF.
This means that for individuals who hold memberships and accounts at both First Tech and DCU prior to the close of the merger, your total share insurance coverage will be up to $250,000 for all your individual accounts combined, and $250,000 for your aggregated interest in all joint accounts combined. For additional information, please visit the NCUA website.
There are no immediate changes to your accounts. We are thoughtfully planning our integration to ensure any potential changes in the months to come result in stronger benefits or enhanced features for you. Our priority is to make the transition as easy as possible for you in your day-to-day banking.
At the earliest, any potential changes will happen later in 2026/2027 when we fully integrate. We will communicate any changes far in advance and help members and clients through them.
No, not at this point. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members.
No, not at this point. Please continue to use your local branch or bank with us through our online and Digital Banking platforms. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. We’ll continue to support the Co-Op Shared Branch Network, delivering access to more than 5,000 branches and 30,000 ATMs across America. That exceeds the levels of convenience offered by most regional banks.
While legal headquarters will be in San Jose, California, those offices will have a small operations center that will remain open. The larger existing operations centers in Massachusetts and Oregon will all remain open for our team members.
Yes! This is another shared value with First Tech. We have deep histories of people helping people.
As a matter of fact, the new organization is the single-largest national philanthropic credit union leader in the country, donating more than $4 million to nonprofits each year. We will also remain committed to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work.
As part of the merger with First Tech, the building’s name may eventually change to reflect the new First Tech brand. We plan to continue our partnership with the DCU Center, and we are carefully working on the details of the naming as part of the broader branding strategy.
We will keep DCU.org updated with more information about the merger process. This page will be updated regularly, and you can also expect to receive emails throughout the integration process. Of course, if you have any questions, please send an email to MemberPerspectives@dcu.org.
Fraud
Fraudsters often take advantage of periods of uncertainty and change.
Fraud prevention will always be top of mind no matter what we do. Here’s what you need to know as a member:
- Please do not open or engage with any messages urging you to take action on your account related to this announcement.
- If you receive a call or message that appears to be coming from DCU or First Tech with information about activity involving your account, do not respond and do not click on any links that are shared.
- DCU will never call or email you to ask you to act on your accounts, but rather we will direct you to either log in to your Digital Banking secure message center, call our Information Center, or visit a branch.
- Please remain vigilant about any communications you receive.
Member Perspectives Portal
We value your voice! Your insights are important to us and help shape the future of our services. Share your opinions or feedback by emailing us — because together, we make a difference.
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853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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