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First Tech member vote has approved merger with DCU.
Uniting the capabilities of the nation’s two leading technology-forward credit unions.
First Tech members have approved the merger with DCU
This is the latest milestone in our journey to provide you – our members – with an even more exceptional financial experience.
As we join forces with First Tech, our goal is to improve your member experience and bring more value to you. We will deliver a member-first approach, expanded access and enhanced digital capabilities while staying true to the DCU principles you know and trust.
What this means for you as members right now
- On January 1, 2026, DCU and First Tech will officially merge to form a single credit union named First Technology Federal Credit Union.
- Your accounts and services will remain unchanged for now as we integrate systems thoughtfully and ensure a smooth transition for every member over the next 12-18 months. There will be no changes to your account numbers or routing numbers at this time.
What will the new credit union look like?
While we will officially combine on January 1, 2026, it will take some time for us to fully integrate our technology and operating systems, teams, and cultures to serve our members as one credit union. We will continue to operate as DCU and First Tech throughout 2026 as we work to integrate technology systems.
Shruti Miyashiro will lead the combined organization as President/CEO. Together, we’ll carry forward the proud legacies of both institutions that are both rooted in innovation, driven by purpose, and united by a shared commitment that “people come first.”
Once we’re fully integrated, we will operate under the name First Technology Federal Credit Union. The heart of who we are—our values, our mission, our people—will remain true to our deep DCU roots and our DEC heritage.
Watch this space for updates on upcoming integration milestones. Please feel free to share any feedback or questions you may have through our member perspectives portal or by emailing us at memberperspectives@dcu.org. Your voice matters, and we want to hear from you.
Whether you have been a DCU member since our founding in 1979 or have just joined, thank you for your loyalty and the trust you put in us. We are excited to build a bright future for you!
Frequently Asked Questions
Merger Process
With the unanimous support of both DCU and First Tech’s Boards of Directors and Executive Teams, on Sept. 30, 2024, both organizations officially announced our intent to merge into one entity.
We also received regulatory approval on Sept. 29, 2025, from the National Credit Union Administration (NCUA), the federal agency regulating both entities.
On Dec. 8, 2025, First Tech membership approved the merger!
Now, we’re in the process of integrating our two organizations, with an anticipated integration date in 2027.
As part of the process of mergers governed by the NCUA, the members who are adopting the continuing charter must vote to accept it. Since the DCU charter is being retained for legal and accounting purposes, First Tech members had the opportunity to vote on the question of merging over the course of forty-five days. On Dec. 8, which was the last day to vote, all votes were certified by an independent third party, and it was announced that First Tech members voted in favor of the merger.
In this merger, DCU’s charter will remain in place. This means we are legally continuing as the same credit union, just with a new name and combined resources. Because the surviving charter is DCU’s, members of First Tech were required to vote on the charter that will be new to them. DCU members did not vote because - from a legal standpoint - we still exist, and we are not changing our structure, purpose, or membership.
As federal credit unions, First Tech and DCU each use the same form of charter required by NCUA regulations, which is a standard document used to form a federal credit union entity.
Experts reviewed the accounting rules and determined the merger of First Tech into DCU provided more benefits to our members.
The combined credit union will use the First Tech name with legal headquarters in San Jose, California.
Our President/CEO, Shruti Miyashiro, will become the CEO of First Tech, and we’ll keep the DCU charter.
The choice to adopt DCU’s charter while retaining the First Tech name was made to respect the legacy of each institution and demonstrate a commitment to combine as a merger of equals.
Our regulator, the National Credit Union Administration (NCUA), approved the merger to move forward based on an application we submitted in 2024. With their approval, we moved forward with the vote of the First Tech membership to fully approve of the merger with Digital Federal Credit Union (DCU). That vote passed First Tech membership on December 8th.
Why Are We Merging?
This milestone allows us to create something truly extraordinary - a forward-thinking, member-driven, digitally powered credit union that sets the standard for the credit union industry.
Building on our history of innovation from Digital Equipment Corporation (DEC), we will deliver an even more exceptional financial experience to all of you – our members - by combining the strength and stability of two of the nation’s most trusted technology-focused, member-driven credit unions with benefits such as:
- Significant investments in our products, services, and technology to enhance and transform digital experiences to ensure seamless service wherever you are,
- Continued commitment to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work,
- Expanded access to a more extensive network that doubles the number of branches.
Of course, we will stay true to those same principles that launched us 45 years ago as a member-owned co-op that continues to put members, employees, and community needs first. The heart of who we are—our values, our mission, our people—will continue to expand from our deep DCU roots and our DEC legacy.
There are many benefits to this merger. First Tech and DCU are two of the strongest credit unions in the country, and the combined organization will continue to have very strong capital and loan-to-deposit ratios, ensuring members’ savings are safe and secure. The new organization will have the scale and resources to create even greater impact through the annual reinvestment into research and development, accelerating and simplifying technology, transforming digital experiences and efforts to sustain our long-term relevancy. We’ll have an expanded presence which almost doubles our branch network, extending service hours and providing a broad platform to serve a growing number of members and their families.
This is a merger of like-minded organizations for the mutual benefit of our members, employees, and communities. Our credit unions have a shared origin, each created to serve the financial needs of technology employees and their families through reinvestment and innovation. While First Tech is larger in asset size at $17B, DCU brings more than 1.1 million new members to the organization, creating vast opportunities for innovation and growth. The new organization will have about $28.7B in assets, one of the largest credit unions in the country, serving more than two million members with 54 branches in eight states. The merger will bring together the best of both credit unions.
Yes, that’s what makes uniting the two organizations such a strategic value position. Both institutions are well capitalized, far exceeding regulatory standards, have strong liquidity and maintain a balanced loan-to-deposit ratio. These factors, in addition to operating in a safe and sound manner, set the stage for a very strong combined entity—one that will have the resources and scale to deliver value to our membership for years to come.
Yes, we do! First Tech was also founded on the premise of people helping people, with employees coming to work every day to make a difference in the lives of members by doing the right thing and acting with integrity—much the same way DCU shows up as engaged, dynamic and genuine. First Tech is also deeply committed to the community, also donating more than $2 million annually, and shares our goal of fostering a brighter, more equitable future in the communities where we live and work.
While it is one of the largest mergers of two credit unions, and a merger of the two leading technology-forward credit unions, the new organization will remain true to our values as a member-owned co-operative that continues to put members,’ employees’ and community needs first. That’s the credit union difference, and it’s here to stay.
New Credit Union Facts
The name of the combined credit union will be First Technology Federal Credit Union, or First Tech for short.
Our decision to use the name “First Tech” was not made lightly. After researching affinity for our brands in our regions and nationwide, both respected brands had strong brand awareness.
First Tech was ultimately chosen because it reflects a broader, more inclusive identity—one that allows us to grow while continuing to serve our members with the same dedication and values that have always defined us.
DCU’s President/CEO Shruti Miyashiro will become CEO of the newly combined credit union. First Tech President and CEO Greg Mitchell is expected to retire on December 31, 2025.
The combined organization will maintain corporate offices on both coasts, with the headquarters located in San Jose, CA. DCU will continue to maintain its branches and corporate offices in Massachusetts and New Hampshire.
As we make our way through the integration process, all decisions will carefully consider any impact on employees and will be shared in a transparent and timely manner. At this early stage, there are always more questions than answers, which can be difficult.
Our employees are extraordinary, and the intent is to help them through the transition, providing understanding, development opportunities, and career growth well into the future.
Member Impact
News of any change will undoubtedly raise questions, and both organizations are committed to progress updates for members at key points along the way. Members have an important voice in this merger, so there will be plenty of opportunities to learn more about this strategic combination and the benefits to members and employees. The process of integrating the operations of organizations will begin with an anticipated operational integration in 2027.
No, there will not be any immediate changes in 2026. We’re still very early in the merger planning process, so we don’t expect any impacts to member accounts or routing numbers until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members.
Both DCU and First Tech are federally insured credit unions by the National Credit Union Share Insurance Fund (NCUSIF). Until the close of the merger, there will be no changes to the share insurance coverage of First Tech or DCU member share accounts.
Once the credit unions have combined, each member of the combined credit union will have up to $250,000 in share insurance coverage across all accounts through the NCUSIF.
This means that for individuals who hold memberships and accounts at both First Tech and DCU prior to the close of the merger, their accounts will be held by a single financial institution after the close of the merger, and their total share insurance coverage will be reduced. We’re happy to speak with you to determine the best way to structure accounts. We will work with you to discuss options at any of our convenient branches or through our Info Center.
There will be no changes to your accounts at this time. When we come to a point where there will be changes, our teams will work with you every step of the way to support you.
You’ll continue using your everyday banking as you do today at DCU. As we combine operations in 2026, we’ll reach out and provide you with more information on how we’ll support you through the transition.
No, not at this point. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members.
No, not at this point. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members.
While legal headquarters will be in San Jose, California, those offices will have a small operations center that will remain open. The larger existing operations centers in Massachusetts and Oregon will all remain open for our team members.
Yes. This is another shared value with First Tech. We have deep histories of people helping people. We will also remain committed to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work.
We will keep www.dcu.org updated with more information about the merger process. This page will be updated regularly, and you can also expect to receive emails throughout the integration process. Of course, if you have any questions, please send an email to MemberPerspectives@dcu.org.
Executive Compensation
No. There were no payouts to First Tech’s or DCU’s CEOs. Unlike some mergers where CEOs receive severance packages or merger bonuses, First Tech and DCU have structured this merger of equals with no payouts or merger bonuses to the current First Tech and DCU CEOs.
No. Both DCU and First Tech boards are volunteer-led, drawn from our membership, and do not receive compensation for attending board meetings or their work with the board. They also do not receive any payment from this merger.
Fraud
Fraudsters often take advantage of periods of uncertainty and change.
Fraud prevention will always be top of mind no matter what we do. Here’s what you need to know as a member:
- Please do not open or engage with any messages urging you to take action on your account related to this announcement.
- If you receive a call or message that appears to be coming from DCU or First Tech with information about activity involving your account, do not respond and do not click on any links that are shared. If necessary, contact your respective credit union directly at 800.328.8797 (DCU) or 855.855.8805 (First Tech).
- DCU will never call or email you to ask you to act on your accounts, but rather we will direct you to log into your Digital Banking secure message center or to call our Information Center or visit a branch.
- Please remain vigilant about 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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