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As a DCU member, you could get 5.00% APY on your first $1,000, a truly free checking account, and more.
Watch your savings grow at a rate that’s higher than the national average2.
Activate Earn More and watch your money start working for you.
Get the most out of your savings with a faster way to grow your money.
Membership Required. Digital Federal Credit Union members are eligible for the greenlight SELECT plan at no cost when they connect their Digital Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 11/12/2026. Offer subject to change and partner participation.
At DCU, we do things differently. Starting with an actually free checking account and savings accounts that help you reach your goals.
This short video will help you gain a deeper understanding of our Free Checking, Primary Savings, and Advantage Savings accounts – all designed to help you keep more of your money (and watch it grow).
Because you’ve got more important things to spend your money on.
Sign up to receive your monthly FICO score via Digital Banking – free for all members.
Empower your financial future today with Digital Banking – via dcu.org or the DCU Mobile App.
Manage your accounts on the go and conduct most transactions right from your phone.
Add your DCU Debit Card to your mobile device to pay with Apple Pay®, Google Pay™, or Samsung Pay.5
Compound interest can have a dramatic effect on the growth of a series of regular savings and initial lump sum deposits. Use this calculator to determine the future value of your savings and lump sum.
We’d love to hear from you!
Whether you have questions, feedback, or something else you’d like to share, we’re here to listen.
Because at DCU, people come first.
Click “Join Now” below > Click “Join DCU!” on the following page.
Read and Accept the E-Sign Agreement.
Select which accounts you’d like to open > Complete the application.
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
DCU is a not-for-profit, member-owned credit union that puts you first. And unlike banks, we don’t answer to the needs of stockholders.
DCU takes pride in sponsoring and participating in charitable, educational, and other community events – from providing college scholarships to supporting local non-profits.
As a credit union, DCU returns its profits to members by keeping fees to a minimum, loan rates low, and offering higher-than-average interest rates on savings.
From childhood through adulthood, DCU has the tools and resources members need to better manage their finances.
| Minimum Daily Balance to earn | Dividend Rate |
APY1 |
|---|---|---|
| On remaining balance | 0.05% | 5.00% - 0.05% |
| Up to and including the first $1,000.00 | 4.89% | 5.00% |
¹APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person and business, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , for important information and disclosures.
| Minimum Daily Balance to Earn | Dividend Rate |
APY1 |
|---|---|---|
| No minimum | 2.96% | 3.00% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Dividends compounded and credited monthly. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, Business Account Agreement, and Schedule of Fees and Service Charges for additional important information and disclosures.
2The national average annual percentage yield (“APY”) for savings accounts is updated monthly, please refer to the Federal Deposit Insurance Corporation.
3How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions each month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that post and clear your account within the same calendar month). If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits. DCU will reimburse up to $25 a month in ATM fees charged by other institutions for use of their ATM (also known as ‘surcharges’).
4FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. DCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. DCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
5Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google Inc. Samsung, and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
Learn why it is important to set financial goals and how to get started. With many ways to help you achieve your goals, DCU can help you take your next steps!
Learn about how opening a bank account can benefit you, and what sort of documentation you'll need to get the process started.
Your money should work hard for you, but does that mean placing it in a high-yield checking or high-yield savings account? DCU offers insight to help you understand your options.
Credit unions offer the same financial services that banks do, but typically come with several key distinctions that can make a huge difference for members.
It’s easy for bills to pile up. Stay on track and increase your savings by using these digital tools and tips from DCU to simplify saving.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
Federally insured by NCUA
