New Members Guide

New Member Guide

Imagine a company whose purpose is to help you achieve financial well-being. Wouldn't they put your needs first? Wouldn't they try to save you money wherever they could? Wouldn't they make it easy for you to get what you need? Wouldn't they serve you with respect? You don't have to imagine.

We're Digital Federal Credit Union. Most members simply call us DCU. Over 1 million DCU members have made us one of the fastest growing credit unions in America. People often choose us for the value and convenience they see in our products and services. They stay and refer their friends and family for a deeper reason. They feel how much the people of DCU care about them and are determined to help them make the right financial decisions. It's Banking – The DCU Way. 

How to access your accounts

Digital Banking

Access and manage your accounts anytime through DCU's website and mobile app with Digital Banking. Check your balances, make withdrawals, transfer funds between your accounts and to other members' accounts, pay a person, pay bills online, make loan payments, get copies of cleared checks, order services online, and more. Do this from your home or office computer, or a mobile device and internet connection or your wireless service provider. To access your accounts for the first time use your member number and the last 4 digits of your social security number unless you have opened your membership more than three weeks ago and received your PIN – if you have received a PIN, you must use this to complete the process). You will be prompted to create a unique username and password for Digital Banking upon your first log on.

DCU Website

Get information on all of DCU's products, services, and rates online 24 hours a day. You can even apply for loans, shop for cars, order checks, use calculators, get the latest DCU news and special offers, send us an email, and much, much more.  

Self-Service Telephone Banking

All of your accounts are just a phone call away with Self-Service Telephone Banking. Use it, FREE, 24 hours access from any touch-tone phone. Call 800.328.8797.

ATMs*

Use your DCU Debit Card FREE at any DCU ATM 24 hours a day. Your DCU Debit Card is accepted at any terminal displaying the Visa logo and gives you access to over 80,000 surcharge free non-DCU ATMs nationwide displaying Allpoint, SUM or CO-OP logos.

*Other institutions may charge you for using their ATM’s. These are called surcharges. With Plus or Relationship Benefits level, DCU will reimburse you up to $10 per month in non-DCU ATM surcharges for Plus Benefits or up to $25 per month in non-DCU ATM surcharges for Relationship Benefits.

24-Hour Access Consumer Loan Call Center

Apply for loans 24 hours a day by calling 800.328.8797 and simply saying, “Apply for loans.” You will be guided through the application process. If you need help at any time, you can say “Help,” and the system will guide you through the process. If you prefer to speak to someone live, you can say “Agent” and you will be connected to a live person.

Grow Your Savings

Savings Accounts

We offer Savings and Money Market Accounts. We also offer Savings Products for Children and Young Adults. All of these products are easy to open and earn competitive returns.

Certificate Accounts

Our Certificate Accounts work like bank CD's. You can open one for as little as $500 ($100 for younger members) for any time period between 3 months and 5 years.  

IRAs (Individual Retirement Accounts)

IRAs are available at DCU with a wide range of investment options including Money Markets, Certificates and IRA Savings. IRA funds deposited at DCU are federally insured to $250,000 per member by the National Credit Union Administration (NCUA). Each of these accounts can be opened as a Traditional IRA, Roth IRA, Coverdell Education IRA, Savings Incentive Match Plan for Employees (SIMPLE), or Simplified Employee Pension (SEP).

Loans and Borrowing

We have a lot of borrowing and loan options for all your needs. Whether you are buying a home, need a new car, paying for repairs, financing education, or are buying a boat or recreational vehicle, we can help.

Mortgages and Home Equity

We have many mortgage options for buying a home or refinancing. If you have a home and want to put your home's equity to work for you, we have Home Equity Loans and Lines to help you finance anything.

Auto Loans

Finance with flexibility – get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.

If you already have an auto loan with another financial institution, DCU may be able to lower your monthly payment, reduce your interest, or both with our Auto Refinancing program.

Visa^® Credit Cards

With a DCU Visa Credit Card, you can choose a low rate or a low rate with rewards. Use your Visa as your everyday card and get even more as part of our Free Checking with Plus or Relationship Benefits.

Your APR (Annual Percentage Rate) on your Visa Card will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Other Loans and Borrowing Options: 

•  Mobility and Access
•  Motorcycles
•  Business and Commercial

Account Statements

eStatements

New members can opt-in to receiving eStatements during their enrollment into Digital Banking. If you decide that you would like to receive paper statements, you can make changes at any time through your Notification Preferences in Digital Banking.

Statements are sent out monthly. Some accounts may only receive quarterly statements. If you receive eStatements, you will receive an email notifying you that your statement is now available to review. You can receive your Visa® Statement in the mail or electronically. The electronic version of your Visa Statement is called Visa eBill and you will receive an email notifying that your Visa eBill is available online.

Keeping your information up to date

To receive your statements, new DCU Visa® Credit Cards, new DCU Check (Debit) Cards, and other credit union mail without delay, we always need your current address on file. We need your email address to notify you that your eStatements are ready to view. It's also important for us to have your current primary phone number so we can reach you quickly when necessary.

If your mailing address, email address, or phone numbers have or will soon change, you have options to provide and update this  information:

• Digital Banking Desktop – Log on and go to Your Profile under the person icon in the upper right hand corner. You will have a place to update your email address, phone number and home/mailing address under Contact Information.
• Digital Banking Mobile App - Log on and go to the Membership tab. You will have a place to update your email address, phone number and home/mailing address under PROFILE > Personal.
• The Information Center – Call us at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. For security reasons, you'll be asked questions to positively establish your identity and authority to change your address.