Digital Federal Credit Union
Easy One-time donation as low as $10 to a listed org (labeled) · $5 share
Easy
Who can join: One-time donation (as low as $10) to a listed organization · or participating employer/org · or listed community · or eligible family of a member
Min deposit$5 Primary Savings share (par value publ
Monthly feeNo monthly maintenance fees marketed on
ATMATM fee reimbursement marketed at Plus/Relations
Last verified2026-10-26
Who can joinOne-time donation (as low as $10) to a listed organization · or participating employer/org · or listed community · or eligible family of a member
How hardEasy
Fees / share$5 Primary Savings share (par value published) · donation as low as $10 if that path is used (published)
ATM notesATM fee reimbursement marketed at Plus/Relationship levels (conditions) — confirm on dcu.org
- Official name
- Digital Federal Credit Union (DCU) — a division of First Technology Federal Credit Union
- Charter / type
- NCUA-insured federal credit union (confirm via NCUA locator). Marlborough, MA roots; operating as DCU division of First Technology Federal Credit Union.
- Field of membership (summary)
- Published Become a Member / Account Agreement: join through existing affiliation (participating employers, organizations, or communities where you live/work/worship/attend school), eligible family of a member, or a one-time donation (as low as $10) to one of DCU’s listed organizations. Primary Savings share par value is $5.00.
- Join steps (as published)
- Prefer the labeled one-time donation path if you lack SEG/community eligibility, or confirm a listed community/employer. Apply via dcu.org Join Now flow; open Primary Savings with the $5 share. U.S. citizenship/legal residency and Tax ID required as published.
- Fees (only if published)
- Published: Primary Savings share par value $5.00. Donation path: one-time donation as low as $10 to a listed organization. Basic benefits market no monthly maintenance fees — confirm Truth-in-Savings. ATM reimbursement is benefit-level gated — not a blanket free-ATM claim.
- ATM / network notes
- Published benefit levels include ATM fee reimbursements under Plus/Relationship qualifications (direct deposit / transaction thresholds) — confirm current caps and conditions on dcu.org. Do not invent unrestricted free-ATM counts.
- Branches serving Greater Boston
- Massachusetts and multi-state digital/branch footprint — use dcu.org locations. Do not invent branch density for every Boston ZIP.
- Caveats
- Donation / organization path is labeled — not a “secret loophole.” Community list is address-check when used instead of donation. CIP applies. Confirm First Tech / DCU division branding on disclosures.
- Join difficulty rationale
- Easy — published nationwide-leaning donation/organization open path (as low as $10) with a clear $5 share — Easy labeled door for Boston joiners.
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-26 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying.