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DCU and First Tech Announce NCUA Approval of Merger
Uniting the capabilities of the nation’s two leading technology-forward credit unions.
NCUA approves DCU/First Tech merger to go to First Tech member vote
The National Credit Union Administration (NCUA) has provided regulatory approval necessary to advance the proposed merger between Digital Federal Credit Union (DCU) and First Tech Federal Credit Union (First Tech).
The combined entity will deliver exceptional value to its collective membership by uniting the strength and stability of two of the nation’s most trusted technology-focused, member-driven financial institutions.
What does this mean for you, our members?
This milestone brings us one step closer to creating something truly extraordinary—a forward-thinking, member-driven, digitally-powered credit union that sets the standard for the credit union industry. With NCUA’s green light, we’re now closer to uniting two purpose-driven organizations into one community for employees and members.
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:
- Expanded access to a more extensive network that doubles the number of branches.
- 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 New England through our volunteerism initiatives and philanthropic work.
What’s Next?
The next step is a vote by First Tech’s members. Since our new combined credit union will use DCU’s existing charter, NCUA requires that First Tech members vote to approve the merger. DCU’s members do not need to vote as our charter will continue.
By building on our roots, history, and traditions as DEC’s credit union, we are in a strong position to join forces with First Tech to create a new credit union for future generations. With expanded resources, we’ll be able to make an even greater impact on our communities, our incredible DCU team and you—our loyal members.
Anticipating approval from First Tech members at their member vote in October, we expect our credit unions to officially combine on January 1, 2026.
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 Tech 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 the First Tech member vote and other 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
First Tech is a credit union like DCU in values, membership, roots in innovation, and a shared heritage of serving technology employees and families.
This milestone brings us one step closer to creating 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:
- Expanded access to a more extensive network that doubles the number of branches.
- 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 New England through our volunteerism initiatives and philanthropic work.
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.
This is a merger of equals—two like-minded organizations coming together to provide benefits to the members, employees, and communities of both DCU and First Tech.
In this merger, DCU’s charter will remain in place, which 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 are required to vote on the charter that will be new to them. DCU members do not vote because from a legal standpoint, we are not changing our structure, purpose, or field of membership.
No. We are in a strong financial position. This merger is about building for the future—to create something truly extraordinary—a forward-thinking, member-driven, digitally-powered credit union that sets the standard for the credit union industry.
Yes. Both institutions are well capitalized, far exceeding regulatory standards with strong liquidity and a balanced loan-to-deposit ratio.
We know this is a change that many of our members are grappling with. While the name of the combined credit union will be First Technology Federal Credit Union - or First Tech for short - you will still receive the same service and care under the “DCU Way” that you’ve come to rely on.
The heart of who we are—our values, our mission, our people—will remain true to our deep DCU roots and our DEC heritage.
While our formal legal headquarters will be in California, we will be a bi-coastal credit union. More than a quarter of our combined membership will be in Massachusetts, and our branches and corporate offices will remain in Massachusetts and New Hampshire. Our leadership team will also stay where they are.
No matter what location you visit, you can expect the same knowledgeable, responsive, and friendly service you’ve come to expect from DCU as this will always be a top priority for us.
We will continue to work together to proudly serve our members and their accounts as we have always done – in the DCU Way.
In the longer term, the principles of the DCU Way will be integrated into everything we do as a credit union – no matter what our name is.
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 New England through our volunteerism initiatives and philanthropic 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.
We will also remain committed to supporting our communities in New England through our volunteerism initiatives and philanthropic work.
Yes. Credit union deposits will continue to be federally insured by the NCUA, with up to $250,000 in protection for an individual membership. If members have accounts at both credit unions, we’ll work together on options for insurance coverage.
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.
- DCU will never call or email you to ask you to act on your accounts, but rather we will direct you to either log on to your Digital Banking secure message center, call our Information Center or visit a branch. Please remain vigilant about any communications you receive.
The rates we offer our members are always dependent on the general market and the external interest rate environment, and that will never change.
As of right now, there are no changes to member accounts as we continue to operate in the same way as always.
Any potential changes will happen after we start operating as one combined organization.
When that time comes, we will provide you with information, and our teams will help you through any changes to make the transition as smooth as possible for you.
As of right now, there are no changes to member accounts as we continue to operate in the same way as always.
Any potential changes will happen after we start operating as one combined organization.
When that time comes, we will provide you with information, and our teams will help you through any changes to make the transition as smooth as possible for you.
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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