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me for members under 23 barnyard cents for members under 13 balance financial fitness program online banking member number password forgot yourpassword online banking quick tips transactions after 9pm eastern time are posted the next business day . how may we help you open accounts checking savings certificates continue your application get a loan consumer and visa equity loans mortgages best rates loans as low as apr auto 1.74 % credit cards 8.75 % home equity 3.49 % mortgage all rates savings as high as apy money market 0.80 % ltd savings 0.85 % certificates 1.75 % all rates annual percentage rate 10 year fixed rate 0 points annual percentage yield minimum balance to open 500 apr and apy effective . rates vary and subject to change . click links for additional details . this jquery slider was created with the free easyrotator software from dwuser.com . need a powerful flash slideshow creator with built in iphone ipad android support easyrotator is supported by the xml flash slideshow v4 software . ok rotator powered by easyrotator a free and easy jquery slider builder from dwuser.com . please enable javascript to view . checking and savings checking savings money market ltd savings certificates iras health savings account more loans auto loans title services 2nd chance car loans credit cards redeem points mortgages home equity motorcycles boats rvs student loans more consumer services online banking mobile banking deposit checks online debit cards ordering checks wire transfers online fraud protection auto buying investments auto & home insurance life insurance long term care real estate more lower your car payment 2nd chance car loans can usually lower your rate reduce your payment or both learn more dcu insurance protect your most valuable assets from threat of property and liability losses . learn more making deposits is a snapp deposit checks anytime anywhere using your phone and the dcu mobile app . learn more share dcu let your friends and family know about banking the dcu way . resources site index rates rate dcu news & offers privacy policy careers at dcu feedback about dcu faq new member guide dcu for kids dcu center digital federal credit union 220 donald lynch boulevard po box 9130 marlborough ma 01752 9130 508.263.6700 800.328.8797 aba routing number 211391825 federally insured by ncua equal housing opportunity nmls 466914 2016 digital federal credit union massachusetts branches acton andover burlington fitchburg framingham franklin leominster lexington littleton lowell marlborough marlborough east tyngsborough waltham westborough worcester crossing worcester gold star worcester shrewsbury st. new hampshire branches hudson manchester merrimack nashua dcu financial 220 donald lynch boulevard marlborough ma 01752 9130 800.328.8797 ext. 6077 email financial dcu.org securities and advisory services offered through lpl financial a registered investment advisor member finra sipc . insurance products offered through lpl financial or its licensed affiliates . dcu and dcu financial are not registered broker dealers nor are they affiliated with lpl financial . the dcu financial site is designed for u.s. residents only . the services offered within this site are offered exclusively through our u.s. registered representatives . lpl financial registered representatives associated with this site may only discuss and or transact securities business with residents of the following states az ca ct co de fl ga il in ks ky me md ma mi mn mo mt nh nj nm ny nc oh ok or pa ri sc sd tn tx ut vt va wa wv and wi not ncua insured not credit union guaranteed may lose value dcu insurance 220 donald lynch boulevard marlborough ma 01752 9130 800.328.8797 ext. 6978 email insurance dcu.org dcu insurance dcu financial insurance services llc is an affiliate of digital federal credit union dcu . business conducted with dcu insurance is separate and distinct from any business conducted with the credit union . remember that any insurance required as a condition of the extension of credit by dcu need not be purchased from dcu insurance but may without affecting the approval of the application for credit be purchased from an agent or insurance company of the member s choice . insurance products are not deposits of dcu and are not protected by the ncua . they are not an obligation of or guaranteed by the credit union and may be subject to risk . if you have any concerns or complaints regarding this relationship you may contact the ma office of consumer affairs or the insurance department of your state . for information on how to contact them please contact dcu insurance . term property points interest rate annual percentage rate estimated monthly payment per 1 000 30 year fixed1 unit owner occupied purchases only 97 % of home value 0 points 4.000 % 4.08 % 4.77 30 year fixedowner occupied up to 95 % of home value 0 points 3.500 % 3.57 % 4.49 20 year fixed owner occupied up to 95 % of home value 0 points 3.375 % 3.48 % 5.74 15 year fixed owner occupied up to 95 % of home value 0 points 2.875 % 3.00 % 6.85 10 year fixed owner occupied up to 95 % of home value 0 points 2.625 % 2.80 % 9.48 rates are effective and are subject to change at any time . rates locked in today for 60 days have an expiration date of . rates apply to loans up to 417 000 also known as conforming mortgages . rates and fees disclosed are for loans that meet secondary mortgage market underwriting standards ; additional rate and fees may apply for loans outside of those guidelines . estimated monthly payment per 1000 loan principal and interest . if an escrow account for taxes and insurance is required total monthly payment will be higher .