Frequently 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. 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:

• The First Tech name will remain in place.
• 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.

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. 

We will keep FirstTechFed.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.

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.

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 the Rates & Fee Schedule site on FirstTechFed.com for full details. 

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.

Yes. Addison Avenue Investment Services continues as the full-service financial planning and investment services provider for our expanded First Tech membership. In addition, First Tech Insurance Services, our independent insurance agency through our wholly owned subsidiary, continues as well. Both organizations have received national recognition as leaders in the industry and we’re proud to continue offering these services to our expanded membership.

Chartered by the NCUA in 1979, and originally created to serve employees of Digital Equipment Corporation, DCU is based in Marlborough, Massachusetts. DCU proudly serves more than 1.1 million members with 23 branches in both New Hampshire and Massachusetts. DCU is the largest credit union in New England and ranks among the top 20 credit unions in the nation as measured by $12 billion in assets. You can learn more about DCU 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.