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First Tech & DCU Have Officially Merged!

 

More benefits and services

The combined credit union provides members an unrivaled digital experience, a coast-to-coast branch network with expanded member service hours, and access to premier financial products and advisors.
Read Press Release

What's Changed:

  • Our new President & CEO is Shruti Miyashiro. 
  • For members with accounts at both credit unions, those accounts are now be held by a single financial institution, and after a six-month grace period, their total NCUA Share Insurance coverage will be reduced.

What's Not Changing:

  • Our name.
  • Your account numbers, products, services and online & mobile banking.
  • The same service and commitment to help you achieve your financial dreams!

Next steps for the DCU & First Tech merger

An Update for Our Members: Thank You for Your Trust in First Tech

There are moments in the life of a credit union that call for more than a standard update. This is one of them as I reach out to share where we are on our merger journey, what's already improving for you, and what you can expect in the months ahead. Staying connected with you matters to me personally and to each of our team members.

On January 1, 2026, Digital Federal Credit Union and First Tech Federal Credit Union officially merged to become one credit union. While the paperwork is done, our real focus is just beginning: setting a new standard in people-first solutions and ensuring this combination delivers meaningful value in your everyday financial life.

What’s already improving for you

Beginning January 1, 2026, a new fee schedule was introduced that eliminated and reduced many fees across the credit union. Altogether, these changes will return an estimated $6 million to members this year alone. Fee reductions are practically unheard of in banking. For us, they reflect a deliberate choice to be purposefully built around member value and financial wellbeing.

What’s not changing right now

I know mergers can feel uncertain. So, we want to be straightforward. In 2026, you can count on:

  • The same accounts
  • The same branches

We are carefully and intentionally planning system conversions with one guiding principle: minimizing disruption for you. We understand how important it is to keep the same experience you’re accustomed to, and we are working closely with our partners and technology teams to limit changes wherever possible.

When changes are necessary, you can expect:

  • Advance notice and clear, easy-to-understand information
  • Time to prepare
  • Extra guidance and help from us along the way

That’s our commitment to being fiercely supportive, especially during times of change.

A little about what's happening behind the scenes

Behind the scenes, teams from across the organization are working closely and thoughtfully to bring the best of both credit unions together. This work is grounded in care—for your accounts, your security and your day to day experience. 

Just as important, we are listening and acting. Through recent member listening sessions, we gathered candid feedback and followed up directly where questions or concerns were raised. Those conversations are already shaping real actions today, and they won’t stop there. Ongoing listening sessions are planned, so your feedback continues to inform decisions, improvements and priorities as we move forward together.

Listening, transparency and follow through are not one time efforts. They are essential to our commitment to always improving and being fiercely supportive of the people we serve.

A final word on putting people first

As we move forward together, it’s important that your experience reflects our intentions. We are honored that your trust in us has led to multiple national and regional awards including: being named USA Today’s Best in Customer Service and one of USA Today’s Most Trusted Brands, as well as recognition as Best Credit Union in Central Massachusetts for the tenth consecutive year by the Worcester Business Journal and Best Credit Union in Greater Nashua for 2025 by The Telegraph.

These honors reflect the dedication of our teams and reinforce a commitment you can count on: solutions that are purposefully built, always improving and fiercely supportive—today and into the future.

We'd love to hear from you 

This is your credit union. 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. I read member feedback, and it genuinely shapes the decisions we make.

Thank you for being a member and for placing your trust in us. We are committed to communicating openly and regularly as we continue this journey.

Warm regards,
Shruti

Shruti Miyashiro
President & CEO

Frequently asked questions

First Tech and DCU legally combined as one organization under the First Tech name on January 1, 2026. First Tech members overwhelmingly approved the merger on December 8, 2025.

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, each of 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 with no immediate impact on servicing member accounts or relationships.

No, there are no changes. You can expect no impacts until late 2026/2027 when we fully integrate our systems. 

The following features, benefits and services will remain as they are, even after integration is completed:

  • The First Tech name will remain in place. 
  • Your account numbers, products, services and online & mobile banking.
  • Credit union deposits continue to be federally insured by the NCUA, with up to $250,000 in protection for individual membership. If you have accounts at both credit unions, those accounts are now held by a single financial institution, and after a six-month grace period, your total share insurance coverage will be reduced.
  • First Tech and DCU members can continue to perform transactions at their local branch. 
  • 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!
No. All your account information, including routing number and account numbers, remain the same. No changes are needed.

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.

Lower fees - First Tech and DCU have lowered or removed certain transactional fees we charge to save our members over $6 million annually. Please refer to the Rates & Fee Schedule site on FirstTechfed.com for more information.

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. 

 
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 accounts at both credit unions, those accounts are now held by a single financial institution as of January 1 and your total share insurance coverage will be reduced after a six-month grace period. Besides that change, there are no planned changes to accounts at this point. For now, you can conduct your business with as usual, and we will continue to operate in the same way as always. Please ensure you are using the correct routing numbers (DCU or First Tech) as applicable to perform transactions from your intended accounts.
Both DCU and First Tech are federally insured credit unions through the National Credit Union Share Insurance Fund (NCUSIF). As of January 1, 2026, and after a six-month grace period, the credit unions have combined. Each member of the combined credit union will have up to $250,000 in share insurance coverage across all accounts through the NCUSIF. This means that for individuals who hold memberships and accounts at both First Tech and DCU prior to the close of the Merger, their accounts are now held by a single financial institution as of January 1 and their total share insurance coverage will be reduced.
No, not at this point. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027. We are thoughtfully planning this and will communicate changes far in advance to all of you – our members.
No, not at this point. Please continue to use your local branch or bank with us through our Online & Mobile Banking platforms. We’re still very early in the merger integration process, so we don’t expect any changes like this until later in 2026 or 2027.

Fraudsters often take advantage of periods of uncertainty and change.

  • 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.
  • If you receive a call or message that appears to be coming from DCU or First Tech with information about activity involving your account, do not respond and do not click on any links that are shared. 
  • First Tech will never call or email you to ask you to act on your accounts, but rather we will direct you to log into your Online & Mobile Banking, call in to our Contact Center or visit a branch.
  • Please remain vigilant about any communications you receive.
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.
Yes, we do! DCU was also founded on the premise of people helping people, with employees coming to work every day to make a difference in the lives of members by doing the right thing and acting with integrity—much the same way First Tech shows up as engaged, dynamic and genuine. DCU is also deeply committed to the community, also donating more than $2 million annually, and shares our goal of fostering a brighter, more equitable future in the communities where we live and work.
The name of the combined credit union is First Technology Federal Credit Union, or First Tech for short.
Leadership teams continue to partner very well on mutual decisions to ensure the best interests of both organizations and their respective membership. The organization is led by DCU President and CEO Shruti Miyashiro who is now President and CEO of the newly combined credit union, uniting employees, and members under the DCU charter and First Tech Federal Credit Union name. First Tech President and CEO Greg Mitchell has retired at the close of the Merger.
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 remaining in San Jose, CA. This is very similar to the way First Tech operates today as our formal charter is based in San Jose. Members will also have access to 54 branches across the country. Advances in technology have made it easier than ever to conduct business from multiple locations, plus we’ll have extended member service hours due to time differences.
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.
There are no changes to your accounts with First Tech, Addison Avenue, or First Tech Insurance Services right now. In the months to come, an integration team will make operational decisions to ensure any potential changes result in stronger benefits or enhanced features for you. So that’s good news! At the earliest, any potential change will happen in late 2026 when our operations come together as one combined company. When that time comes, of course our teams will help members and clients through any transition.
Most certainly! As a matter of fact, the new organization is the single-largest national philanthropic credit union leader in the country, donating more than $4 million to nonprofits each year. We continue to support children’s health, STEM education and fundamental needs in our communities.
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.
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