DCU Routing Number: 211391825
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DCU and First Tech Announce Intent to Combine
Uniting the capabilities of the nation’s two leading technology-forward credit unions.
DCU and First Tech to Create Unrivaled Digital Financial Experience
Digital Federal Credit Union (DCU) and First Tech Federal Credit Union (First Tech) announce their intent to combine through a merger of equals for the benefit of members, employees, and communities.
The combined entity will provide members an unrivaled digital experience, a coast-to-coast branch network with expanded member service hours, and access to premier financial products and advisors.
Hear from our CEO
Growing to Serve You
Digital Federal Credit Union and First Tech Federal Credit Union are set to merge, creating a pioneering financial entity with a $28.7 billion portfolio. This merger promises an unparalleled digital experience, a vast branch network, and premier financial services for nearly two million members. Stay tuned for a seamless integration and a bright, technology-driven financial future.
Frequently Asked Questions
The new combined organization will allow us to invest significantly in continuous research and development and to provide our members with an even better financial experience with a coast-to-coast branch network, expanded member service hours, new technologies, and access to premier financial products and advisors.
The new organization will have $28.7B in assets, making it one of the largest credit unions in the country, serving nearly two million members with more than 50 branches in eight states.
First Tech is a credit union similar to DCU in values, membership, roots in innovation, and a shared heritage of serving technology employees and families.
They are a nearly $17 billion institution headquartered in San Jose, California. First Tech serves the world’s leading technology-oriented companies and their employees, including HP Inc., Hewlett Packard Enterprise, Microsoft, Agilent, Intel, Cisco, Amazon, Nike, Intuit, Google, and more.
First Tech provides a full range of financial services, including traditional banking, online banking, mortgages, financial planning, various consumer loans, and insurance services to more than 660,000 members through its 34 branch locations, more than 5,600 CO-OP Shared Branch locations, 30,000 CO-OP Network ATMs, and online platforms. To learn more about First Tech, you can also go to www.firsttechfed.com.
We will be able to provide our members with an enhanced financial experience with ‘best in class’ digital banking, top-quality core banking products and services, investments, and insurance with a coast-to-coast branch network and expanded service hours.
Of course, we will stay true to those same principles that launched us 45 years ago. And we will maintain our values as a member-owned co-op that continues to put member, employee, and community needs above profits.
- Geographical expansion: DCU and First Tech are two of the strongest credit unions in the country. Combining will create a coast-to-coast presence, nearly double our branch network, expand service hours, and provide a technology platform to best serve a growing number of members and their families.
- Enhanced member experience: We will have the scale and resources to create an even greater impact through an expected annual reinvestment of $100 million into research and development. This will allow us to transform digital experiences to give our members a better financial experience.
- Strengthen our assets: The combined organization will also continue to have very strong capital and loan-to-deposit ratios, ensuring members’ savings are safe and secure.
This is a merger of equals—two like-minded organizations coming together to provide benefits to the members, employees, and communities of both DCU and First Tech.
The name of the combined credit union will be First Technology Federal Credit Union, or First Tech for short. In recognition of the strong and proud histories of both DCU and First Tech, employees and members of both organizations will work together to develop a brand experience that honors both entities with a future-forward vision.
The legal headquarters will be San Jose, CA, and there will be offices in Massachusetts and Oregon.
The next step is to jointly seek approval from the National Credit Union Administration (NCUA), the federal agency that regulates both entities. This review and approval process will likely happen in mid-2025.
Upon regulatory approval, we will then turn to First Tech’s members for a final vote to approve the merger. Under NCUA’s rules, First Tech’s members need to vote to approve the merger since we will be using DCU’s charter going forward. After that, we’ll begin the process of integrating both credit unions with an anticipated integration date of late 2025.
Until the merger is effective (after the NCUA approval and the First Tech member vote), both DCU and First Tech will continue to operate independently, under our own names with no changes to member relationships, accounts or services.
Yes! It’s one of the many reasons this combination makes sense. We have a shared origin - each of us was created to serve the financial needs of technology employees, their families and digitally savvy members across the country.
We’re admired brands with innovation mindsets, dedicated employees, a shared member-centric focus and a deep commitment to charitable giving and supporting the communities where we operate.
Things will be business as usual until integration starts towards the end of 2025. We will continue to work together to proudly serve our members and their accounts as we have always done—in the DCU Way.
In the longer term, the principles of the DCU Way will always remain the bedrock of everything we do as a credit union.
DCU President and CEO Shruti Miyashiro will become President and CEO of the newly combined credit union upon the merger date. We anticipate a period of integration where First Tech President and CEO Greg Mitchell will continue to lead the First Tech line of business, likely through the end of 2025.
For now, it is business as usual until the integration process begins towards the end of 2025.
Yes. This is another shared value with First Tech. We have deep histories of people helping people. The new organization will become the single-largest national philanthropic leader in the industry, donating more than $4 million annually to positively impact our local communities. Together, we will continue to support children’s health, STEM education, and fundamental needs in our communities.
There are no changes to members accounts with DCU right now.
Any potential change would happen toward the end of 2025 at the earliest - when our operations come together as one combined organization. When that time comes, we will provide all members with information, and our teams will help members through any changes.
For now, nothing will change for our members or our employees. We will keep all members informed through:
- Our monthly member newsletter
- This landing page along with the press release and FAQs
We have launched a dedicated Member Perspectives portal at the bottom of this page where all members can share their comments with us confidentially.
Yes. Credit union deposits will continue to be federally insured by the NCUA, with up to $250,000 in protection for an individual membership. If members have accounts at both credit unions, we’ll work together on options for insurance coverage.
Fraud prevention will always be top of mind no matter what we do. Members should know the following:
- There will be no changes to memberships, accounts or digital experience until most likely toward the end of 2025.
- Do not open or engage with any messages urging to take action on accounts related to this announcement.
- DCU will never call or email a member to ask them to act on their accounts, but rather we will direct members to log into their Digital Banking secure message center or to call our Information Center or visit a branch. Please remain vigilant to 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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Federally insured by NCUA
