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First Tech and DCU have officially merged.
Merger Moments: Recent News
- Stronger together delivering early benefits for members
- Smart savings with competitive returns and fewer fees
- Ongoing commitment to community support
- Customer service recognition for exceptional member support
Messages from Shruti
“…a commitment you can count on: solutions that are purposefully built, always improving and fiercely supportive.”
Shruti Miyashiro
President & CEO
First Tech Federal Credit Union
Avoiding Fraud
Fraudsters often take advantage of periods of change. Your best defense against fraud is knowledge.
Frequently Asked Questions
Most Asked Questions
You can continue to use your credit cards, debit cards, and checks as you have been. Additionally, any direct deposits and automatic payments will continue without interruption. As a division of First Tech, you will continue to use the existing DCU routing number, however, you may notice instances where the number will display as “First Technology Federal Credit Union.” We’re in the middle of the merger integration planning process and will thoughtfully communicate changes far in advance to all of you – our members – and support you through them.
The following features, benefits and services will remain as they are, even after integration is completed:
- First Tech and DCU members can continue to perform transactions at their local branch.
- Your deposits continue to be federally insured by the NCUA.
- We will continue our commitment to supporting our communities through our volunteerism initiatives and philanthropic work.
- The same service and commitment to help you achieve your financial dreams!
Any direct deposits and automatic payments will continue without interruption. We are thoughtfully planning each step of the integration process and will communicate changes far in advance to all of you – our members – and support you through them.
The rates we offer our members are always dependent on the general market and the external interest rate environment, and that process will never change. If you have a pre-existing mortgage or loan (student, auto, personal, etc.), the terms of your loan will not change because of the merger.
The name of the combined credit union is First Technology Federal Credit Union, or First Tech for short.
Merger Overview and Timeline
First Tech and DCU legally combined as one organization under the First Tech name on January 1, 2026. Now that we’re legally combined, we have begun the process of fully integrating our two organizations, with an anticipated complete integration in 2027. Until this operational integration, First Tech and DCU will continue day-to-day operations as separate divisions of a single legal entity under the assumed business names of First Tech Federal Credit Union and Digital Federal Credit Union. We’re committed to thoughtfully communicating changes far in advance to all of you – our members – and support you through them.
You can continue to use your credit cards, debit cards, and checks as you have been. Additionally, any direct deposits and automatic payments will continue without interruption. As a division of First Tech, you will continue to use the existing DCU routing number, however, you may notice instances where that number will show as “First Technology Federal Credit Union”. We’re in the middle of the merger integration planning process and will thoughtfully communicate changes well in advance to all of you—our members—and support you through them.
We will keep DCU.com/merger updated with more information. It’s an exciting time for your credit union, so thank you for your support! Of course, if you have any questions, please send an email to Merger@firsttechfed.com.
Accounts, Rates, & NCUA Coverage
If you have accounts at both credit unions, those accounts are now held by a single financial institution. This means that your total share insurance coverage for all of your DCU and First Tech accounts combined is up to $250,000 per individual, and an additional $250,000 total for any joint accounts. To learn more, visit our NCUA Insurance page. Please ensure you are using the correct routing numbers (DCU or First Tech) as applicable to perform transactions from your intended accounts.
We are thoughtfully planning our integration to ensure any potential changes in the months to come result in stronger benefits or enhanced features for you. Our priority is to make the transition as easy as possible for you in your day-to-day banking. We will communicate any changes far in advance and help members through them.
Products, Services, & Access During Integration
The following features, benefits and services are and will be enhanced through integration because of the merger:
- More product offerings and cutting-edge technology – You will be able to take advantage of a broader range of products and services and improved digital technology to enhance your banking experience.
- $6 million in eliminated fees – We have re-evaluated our fee structure, ensuring more of your hard-earned money stays exactly where it belongs, with you!
- Highlights include:
- Lower overdraft and return fees: Paid overdraft, returned ACH, and returned loan payment fees reduced from $33 to $15.
- Reduced wire transfer fees: Outgoing domestic wires reduced from $20 to $15; outgoing international wires reduced from $65 to $40; incoming wires are now free (down from $5).
- No foreign ATM fees: Foreign ATM fees reduced from $2 per transaction to $0.
- Please refer to Rates & Fees Schedule on DCU.org for full details.
- Simplified, efficient service – You’ll have expanded access to a more extensive network that doubles the number of branches. We’ll continue to support the Co-Op Shared Branch Network, delivering access to more than 5,000 branches and 30,000 ATMs across America.
We’re continuing to bring our products and services closer together, but they aren’t all the same just yet. You may already see some updates where we’ve aligned offerings across First Tech and DCU to create more consistency for members. For example, new short-term certificates with competitive rates.
No, not at this point. You can continue to use your local branch or bank with us through our online and Digital Banking platforms. While we’re in the middle of the merger integration process, we’ll continue to support the Co-Op Shared Branch Network, delivering access to more than 5,000 branches and 30,000 ATMs across America. That exceeds the levels of convenience offered by most regional banks.
Leadership & Organization
Founded in 1952 by a few astute people at Hewlett-Packard and Tektronix, First Tech Federal Credit Union is the nation’s premier credit union. We serve the world’s leading technology-oriented companies and their employees. We offer a full range of customized products and services, as well as individual tools for financial wellness. We invest in our members with great rates and convenient digital, face-to-face and self-service banking solutions. First Tech also provides exclusive financial services for businesses and their employees through its partnerships with Select Employer Groups, such as HP Inc., Hewlett Packard Enterprise, Microsoft, Agilent, Intel, Cisco, Amazon, Nike, Intuit, Google and more. You can learn more about First Tech online.
Shruti Miyashiro is President & CEO of the newly combined credit union.
Shruti has a deeply rooted passion for strategic thinking and building long-term, sustainable business models focused on delivering transformative value for members, employees, and communities. For more than two decades as an executive leader in the financial services industry, she has led complex businesses in fast-paced environments with an authentic leadership style that prioritizes culture, service excellence, member-centric focus, and innovation. Under her leadership, DCU has been regularly recognized with multiple awards, including “America’s Best Credit Union in Massachusetts” by Forbes, “Best for Small Deposits” by Newsweek, and “Best Credit Unions” in USA Today. Since 2003, Shruti has served on a number of community, non-profit, professional, and corporate boards, including as a current board member for Jack Henry, an S&P 500 technology company.
The combined organization maintains corporate offices on both coasts, with the headquarters located in San Jose, CA.
Yes! This is another shared value with First Tech. We have deep histories of people helping people. As a matter of fact, the new organization is the single-largest national philanthropic credit union leader in the country, donating more than $5.8 million to nonprofits each year. We will also remain committed to supporting our communities in Massachusetts and New Hampshire through our volunteerism initiatives and philanthropic work.
As part of the merger with First Tech, the building’s name may eventually change to reflect the new First Tech brand. We are committed to continuing our partnership with the DCU Center, and we are carefully working on the details of the naming as part of the broader branding strategy.
We'd love to hear from you
If you have a question, a concern, or a suggestion, we want to hear from you.
You can send an email to merger@firsttechfed.com. Member feedback shapes the decisions we make.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
