Personal and Business Banking

What Can DCU Save You?
  • Win Up to $10,000 Simply By Using Your Card!
  • New or Used? Doesn't Matter to Us.
  • Low Fixed Rates and Exceptional Service. That's Mortgages – The DCU Way

High MPGs. Low APR.*

Refinance Today with a 2nd Chance Car Loan

Refinancing with a 2nd Chance Car Loan could save you a ton. What Can DCU Save You?

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Pay with Apple Pay

Apple Pay™ – An Easier Way to Pay

All the benefits and convenience of your DCU Debit Card – on your iPhone.

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Find Your Dream Home

Find Your Dream Home with DCU Realty

Whether you're looking for your first home or your dream home, DCU Realty can help.

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Let your friends and family know about banking the DCU Way.

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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

© 2015 Digital Federal Credit Union

DCU Financial

220 Donald Lynch Boulevard

Marlborough, MA 01752-9130

800.328.8797, ext. 6077


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


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 Fixed
1 unit owner occupied, purchases only,
97% of home value
0 points 4.500% 4.59% $5.07
30-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.750% 3.99% $4.63
1 points 3.875% 4.04% $4.70
0 points 4.000% 4.08% $4.77
NPNC 4.625% 4.66% $5.14
20-Year Fixed
Owner occupied, up to 95% of home value
2 points 3.500% 3.84% $5.80
1 points 3.625% 3.85% $5.86
0 points 3.750% 3.86% $5.93
NPNC 4.375% 4.42% $6.26
15-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.875% 3.29% $6.85
1 points 3.000% 3.27% $6.91
0 points 3.125% 3.25% $6.97
NPNC 3.750% 3.80% $7.27
10-Year Fixed
Owner occupied, up to 95% of home value
2 points 2.625% 3.23% $9.48
1 points 2.750% 3.14% $9.54
0 points 2.875% 3.05% $9.60
NPNC 3.500% 3.56% $9.89

*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.

NPNC = No Points, No Closing Costs program. The minimum loan for NPNC is $100,000.