Digital Federal Credit Union - Waltham, Massachusetts

Introduction

Digital Federal Credit Union (DCU), located at 130 Lexington Street in Waltham, Massachusetts, is a full-service financial institution that has been serving its members since 1979. With a strong commitment to providing exceptional service and innovative products, DCU has grown to become one of the largest credit unions in New England. This detailed article will provide an in-depth look at DCU Waltham, its services, location, unique features, practical information, and member reviews.

Main Services

• Insurance: DCU offers a range of insurance products to protect members' assets, including auto, home, renter's, and life insurance.
• Investments: The credit union provides investment services such as retirement planning, wealth management, and DCU's own investment products like mutual funds and certificates of deposit (CDs).
• Branches & ATMs: DCU has multiple branches and shared branching locations, along with access to over 30,000 surcharge-free ATMs nationwide.
• Borrowing: Members can apply for various loan products, including mortgages, auto loans, personal loans, and credit cards.
• Support: DCU offers a dedicated support team to assist members with account management, financial planning, and digital banking.
• Services: The credit union provides a wide range of services, such as online and mobile banking, bill pay, mobile deposit, and person-to-person payments.
• Membership: DCU offers free checking accounts, including HSA Checking, and various savings accounts like Primary Savings, Advantage Savings, Smart Savings, and Money Market Savings.
• Debit Cards: Members can choose from a standard Visa® Debit Card or the Greenlight Debit Card, which offers parental controls and allowances for families.

Location and Access

DCU Waltham is situated at 130 Lexington Street, Waltham, MA 02452, in the heart of the Lexington business district. The branch is easily accessible from major roads like Route 128 and I-95, making it convenient for members to visit from nearby neighborhoods such as Waltham, Lexington, Burlington, and Bedford.

Public transportation is available via the MBTA Commuter Rail, with the Waltham Station located approximately 0.5 miles away. Additionally, the branch offers ample parking for members and guests, including wheelchair-accessible spaces.

Featured Characteristics

• Wheelchair Accessibility: DCU Waltham is committed to providing accessibility for all members. The branch features a wheelchair-accessible entrance and parking lot.
• Cash Advance: The branch offers cash advances for members who need quick access to funds.
• DCU@Home: A unique feature of DCU Waltham is the DCU@Home branch, which provides members with access to a full-service branch experience within a retail store, allowing for extended hours and weekend accessibility.
• Business Services: Although not explicitly mentioned on the website, DCU offers business services, including business checking, loans, and lines of credit.

Practical Information

• Business Hours: The DCU Waltham branch is open Monday through Friday, 9:00 AM to 5:00 PM. However, the DCU@Home branch within the Stop & Shop store is open Monday through Saturday, 7:00 AM to 11:00 PM, and Sunday, 8:00 AM to 9:00 PM.
• Phone Number: Members and potential customers can reach DCU Waltham at 800-328-8797.
• Website: For more information about DCU's products and services, visit the official website: dcu.org.
• Online and Mobile Banking: DCU offers online and mobile banking options, allowing members to manage their accounts, transfer funds, and pay bills anytime, anywhere.

Member Reviews and Ratings

DCU Waltham has an average rating of 3.2/5 on Google My Business, based on 126 reviews. Positive aspects highlighted by members include:

• Exceptional Customer Service: Many members commend the friendly and knowledgeable staff at DCU Waltham, noting their helpfulness and willingness to assist.
• Competitive Rates and Fees: Several members mention that DCU offers competitive interest rates and low fees compared to traditional banks.
• Convenient Location and Hours: Members appreciate the branch's location and accessibility, as well as the extended hours offered by the DCU@Home branch.

While most reviews are positive, some members have expressed concerns about account maintenance fees and the need for improvement in digital banking features. However, DCU appears committed to addressing member feedback and continuously enhancing its services.

👍 Reviews of Digital Federal Credit Union

Destanni B.

1/5

Extremely rude people! I called because I wanted to ask some questions about mortgages and I was told that I needed to come to a branch during business hours. Fine whatever heads to a branch closest one is an hour from me, I check in and waited about 15 minutes. Then this woman came out Janet no pleasantries or anything just “we can’t help you we have no one here to answer your questions you have to call” I told her I did and was told to come in “you did not speak to anyone at this branch we would have told you no” well I did it’s the closest one too me. She was super rude no customer service skills. Can’t tell if you hate your life or your job but neither is my problem learn what customer service is and then maybe try and find something new. LOOKOUT FOR THE INDIAN WOMAN NAMED JANET HER NAME TAG SAID SHES BEEN THERE SINCE 2020 BE ADVISED AND STAY FAR AWAY

Udson P.

5/5

Today I had the pleasure of having Giovanna to assist me and it was a very good experience. She is wise, understanding, patient. THANK YOU. You deserve more than 5 stars.

Levon K.

1/5

Worst tellers ever , bunch of unprofessional tellers behind the glass , their jokes with each other is more important than the customers that are waiting in line. Couple of kids with no respect, they are lucky I did not snap and made a scene in front of everyone. ,, they are lucky I was in good mood

Alfred B.

1/5

Worst location ever. This is two or three time I come here everything is slow. The people on the Desk don't care. Alex Perez looks like he doesn't know what he is doing. He asked me my phone number 3 times to make a deposit? He asked me my membership number as well two times to make a deposit. Long line everyday. What is wrong with you guys?

Enrique R.

5/5

I'm a long time DCU member here.
I mainly deal with the leominster location but recently visited the Waltham office.
While I was at the Waltham located I was assisted by Sairy Ramirez. She was extremely helpful & very informative.
She completed my car loan process quickly. She made my visit to DCU a pleasant one.
It also didn't hurt that she was extremely pleasant to look at .

Harshad S.

1/5

This is the most useless bank that I've ever seen. They just flatly refused to give me a cashier's check via credit union sharing. I've had similar instances in the past when I just walked over to RTN Federal Credit Union and they helped me out in 5-10 minutes.

Don't waste your time going to this bank or this location. I'm not going to go back here again

Phil D.

5/5

I've been a long time member of DCU and today I visited this branch in specific, this young woman named Giovanna walked me through the understandings of so many things! Some stuff I've been struggling with for a while.. she explained the process of online banking in great detail to help me understand and equity loans she really made the process of banking efficient and with a smile! I will be coming to this branch with any of my banking needs and I would recommend this branch to everyone!

Garrett K.

1/5

I have been a member for 17 years, since change over in C-Suite this bank has gone seriously downhill, pretty disappointing. Everything from no virtual account access (up to 16 hours while traveling), long deposit holds and poor customer service (changes to accounts without notification)I have decided to close up shop on DCU - The era of local credit unions is over, online banks offer better service, and technology.