Dcu federal credit

Large Recreational Vehicle Loan Rates. Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and ...

The more you bank, the more you could earn. At Ascend, we share our profits. In 2023, we gave $5 million 3 back to our members in the form of bonus dividends and loan interest refunds. Estimate how much you could have earned by using our products and services. Estimates are based on the average monthly account balances and APR or APY 1 of …Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for our members. DCU was chartered in October of 1979. Since then, DCU has been chosen as the credit union for more than 900 companies and organizations. DCU serves more than 500,000 members and their families in all 50 states.Online Banking Maintenance. We will be conducting system maintenance from 12am to 4am. Members may experience intermittent downtime during this period. Topside FCU: Your trusted VA credit union! We offer competitive rates, personalized services, loans, accounts, resources, & more. Bank better. Join today! From the homepage: Log onto Digital Banking. Select the profile icon in the upper right-hand corner and choose “Your Notification Preferences”. Under Contact Preferences toggle “Electronic Statements” to ON. From the Mobile App: Log onto Digital Banking. Select Membership tab on the bottom right corner and choose “Your Notification ... Before-tax return on savings (-12% to 12%) Marginal tax bracket (0% to 75%) Calculate. Open an Account. This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and ... Paid Loan Letter: A document that indicates the loan has been paid in full and includes the lien termination statement. Perfected Title: A title with correct owner and vehicle information that lists DCU as a lienholder. Third Party: Using an auto loan as an example, the member and DCU are considered primary and secondary parties, respectively.

Quick Loan Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 180 days for amounts of $200 up to $2000. Additionally, a member cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period. Other conditions may apply. DCU’s digital banking platform brings together innovative tools and unique features that put you in the financial driver’s seat. You can deposit checks, transfer money, view your balance – and a whole lot more. TAKE CONTROL OF YOUR MONEY. • FutureLook™ helps you see into your financial future with an easy-to-read forecast based on ... Up to 72 Months. 7.74%. $17.41. Up to 84 Months. 9.24%. $16.21. Rates are effective April 22, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. I. Introduction. Scope of Agreement – This Digital Banking Agreement (this “Agreement”) between you and Digital Federal Credit Union governs banking transactions using DCU’s digital (online and mobile) banking services (the “Services”). Under this Agreement, “we”, “us”, “our”, and “DCU” mean Digital Federal Credit ... Forgot your username? or Forgot your password? © 2024 Digital Federal Credit Union | v7.8.21Estimated Loan Details. Anticipated monthly payments ($) Annual interest rate (0% to 12%) Total number of monthly payments (15 years = 180 months) (1 to 360) Calculate. This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. 6.750%. Initial rate is usually lower than that of a fixed-rate mortgage. GET STARTED. LEARN MORE. 0 / 5 stars. APR. 7.795%. PROGRAM. 5YR/6MO ADJUSTABLE RATE-MORTGAGE AMORTIZED OVER 30 YEARS.

Send the application to DCU in one of the following ways: a. Bring the form to your nearest DCU branch b. Fax the form to 508.463.1369 c. Email the form to [email protected] d. Mail the form to: Digital Federal Credit Union New Accounts 220 Donald Lynch Blvd PO Box 9130 Marlborough, MA 01752 Digital Federal Credit Union. DCU Branch and ATM Locator. With locations in all 50 states we're never far away. Get information on DCU branches and ATMs and more than 6,800 CO-OP Shared Branch locations. You can use your DCU Visa® Check Card and DCU ATM Card at virtually every ATM everywhere so we're only listing surcharge-free and deposit ... DCU - Digital Federal Credit Union - Come to us for a better deal on free checking, auto loans, mortgages, credit cards, savings, insurance, business banking, and more. What …Bill Pay allows you to set up payments in advance, plus you can set up automatic payments with a wide variety of payment frequencies. If the amount and/or due date of your payments vary, you can simply use the Pay Bills tab. Choose the biller you want to pay and enter the amount. By clicking the "Send" or "Deliver" date, the dynamic calendar ...How to Opt-In or Opt-Out of DCU’s Overdraft Payment Service. You may opt in or opt-out of DCU’s Overdraft Payment Service any time by: • Logging into online banking: select Account Manager, Manage Accounts, and then Overdraft Payment Service under Services; • Contacting our Information Center at 800.328.8797; • Stopping by any branch ...Best credit unions of 2024. Alliant Credit Union. Connexus Credit Union. First Tech Federal Credit Union. Pentagon Federal Credit Union. Self-Help Credit Union. Why you can trust NerdWallet: Our ...

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Relatives of DCU members are eligible to join if they are spouses, domestic partners, children, grandchildren, parents, grandparents or siblings (including adoptive, in-law, and step relationships). 2. Eligibility by Company You Work for or Retired From. You currently work for or retired from a company in our list of participating employers.630 850 average - excellent. Get your free credit score. DCU Visa® Platinum Credit Card. Capital One SavorOne Cash Rewards Credit Card. Chase Freedom Flex℠. NerdWallet rating. NerdWallet's ...Bank on the Go. Access your account at 5,600 shared branches across the U.S. You can bank at any credit union in the CO-OP network. View CO-OP Locations.A friend of mine recommended DCU for my auto loan refinance. He just refinanced his car with them at 1.49% (the default rate was 1.99% but that drops to 1.49% if you direct …1001 to 5000 Employees. 28 Locations. Type: Nonprofit Organization. Founded in 1979. Revenue: $100 to $500 million (USD) Banking & Lending. Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for our members. DCU was chartered in October of 1979.

Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Visit our branch office in Worcester Crossing at 11 Tobias Boland Way. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products.Online – Log into Digital Banking, select Move Money tab and choose Wire Transfers. By Phone – Call the Information Center at 800.328.8797. At any DCU branch.Cash advances on linked Equity LinePLUS accounts. Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. DCU branch at Shawsheen Plaza located at 209 North Main Street, … Before-tax return on savings (-12% to 12%) Marginal tax bracket (0% to 75%) Calculate. Open an Account. This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and ... HOME. PERSONAL LOANS. DID YOU KNOW? MAKE NO PAYMENTS FOR 60 DAYS* To assist members, when a Personal Loan is opened after 3/25/2020, …How to Opt-In or Opt-Out of DCU’s Overdraft Payment Service. You may opt in or opt-out of DCU’s Overdraft Payment Service any time by: • Logging into online banking: select Account Manager, Manage Accounts, and then Overdraft Payment Service under Services; • Contacting our Information Center at 800.328.8797; • Stopping by any branch ...Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Visit our branch office in Worcester Crossing at 11 Tobias Boland Way. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products. Mail the payment to Digital Federal Credit Union, 220 Donald Lynch Blvd, Marlborough, MA 01752. Information and FAQs to help you navigate through the vehicle title process. DCU’s Lien holder information should be listed as Digital Federal Credit Union, PO Box 25007, Fort Worth, TX 76124 on your insurance paperwork. DCU’s digital banking platform brings together innovative tools and unique features that put you in the financial driver’s seat. You can deposit checks, transfer money, view your balance – and a whole lot more. TAKE CONTROL OF YOUR MONEY. • FutureLook™ helps you see into your financial future with an easy-to-read forecast based on ...

Cash withdrawals. Accepts deposits. Get balances. Make DCU transfers. DCU Visa® advances. Cash advances on linked Equity LinePLUS accounts. Visit our branch office in Tyngsborough at 378 Middlesex Road. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment …

Quick Loan Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 180 days for amounts of $200 up to $2000. Additionally, a member cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period. Other conditions may apply. Up to 72 Months. 7.74%. $17.41. Up to 84 Months. 9.24%. $16.21. Rates are effective April 22, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. A friend of mine recommended DCU for my auto loan refinance. He just refinanced his car with them at 1.49% (the default rate was 1.99% but that drops to 1.49% if you direct …Website. www.dcu.org. Digital Federal Credit Union ( DCU) is a credit union based in Marlborough, Massachusetts. [1] [2] [3] It has over 1,025,000 members [4] and is the … Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. 4.75%. 4.86%. Rates are effective April 23, 2024. ¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificates are for members under age 23. Dividends compounded daily, credited monthly.DCU Visa® advances. Cash advances on linked Equity LinePLUS accounts. Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Come bank at our DCU branch located at 130 Lexington Street, Waltham, MA. For more DCU locations visit dcu.org.HOME. PERSONAL LOANS. DID YOU KNOW? MAKE NO PAYMENTS FOR 60 DAYS* To assist members, when a Personal Loan is opened after 3/25/2020, …By Phone Through the Information Center – Call 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, ET. For your security, you'll be asked questions to positively establish your identity before you can change your information. By Mail or Fax – Please complete and submit the Update Contact ...Over thirty (30) years of experience in Commercial Lending; managing relationships,… · Experience: Digital Federal Credit Union · Education: Babson F.W. Olin Graduate School of Business ...

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The federal government provides additional incentives for electric car purchasers, offering tax credits of up to $7,500 for electric cars and plug-in hybrid vehicles (PHEVs) produced by certain auto manufacturers. Some states include other financial incentives, so if you decide to buy a clean-energy car, it can pay to do your homework …Home Equity Line of Credit (HELOC) Rate. ¹APR = Annual Percentage Rate is variable, tied to the Wall Street Journal Prime Rate, the index, (currently 8.50% as of July 27, 2023) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR and a maximum rate of 18% APR.If you feel you have been a victim of any type fraud, please contact DCU immediately at 800.328.8797. DCU will ask you some questions to determine what type of problem it is and whether it directly affects your DCU account. If we determine that you may be a victim of identity theft, we will then connect you to the counselors at the ID Theft ...Rates can vary by institution, minimum deposit requirements and term length. Currently, the average one-year CD rate is 1.81%, and the average five-year CD rate is 1.39%, according to the Federal ...Jul 9, 2021 · Find the Right Card for You. Whether you want to establish credit, rebuild credit, or maintain a good credit score, we have a lineup of credit cards to meet your needs. Apply now for a credit card with DCU or take advantage of a balance transfer with our low APR. Please note, membership is required to open a DCU Visa® Platinum credit card. At DCU, we go the extra mile to get our members the best deal on new and used auto loans. Check out our auto loan calculators and other resources to help you prepare for a better car-buying experience. And if you’re ready to hit the road, you can start the process by applying online for a DCU Auto Loan.. Please note, membership is required to accept a DCU …DCU Marlborough - East Branch 279 East Main Street Marlborough, MA 01752 ( Map) Phone Number: (800) 328-8797. Website: Visit Website. Online Banking: DCU Login. Mobile App: iPhone App Android App.CAREERS. “Founders patiently listened to my story and sympathized with the financial challenges I faced after a personal tragedy and explained the best path for me to go so I could quickly get started on the right road. I am SO HAPPY to now be a part of the Founders family!”. Ann D. | Gaffney, SC. Founders Federal Credit Union, Lancaster, SC.The average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. At the same time, credit ...Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Drive-up teller window available. Visit our branch office in Leominster at 210 New Lancaster Road. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products. ….

Think twice before you swipe. Credit cards offer the freedom to make purchases you don’t have the cash for but try not to use them for things you can’t afford. Keep them handy in case of emergencies. Credit cards can offer security for emergencies such as car repairs or medical expenses. Be aware of due dates.Digital Federal Credit Union, or DCU, is headquartered in Marlborough, Massachusetts, with branches in Massachusetts and New Hampshire. But the credit union serves members in all 50 states through its mobile … Find a Branch or ATM. FIND. DCU offers vehicle loans for new and used auto purchases, refinancing, antique and classic cars, and mobility vehicles. The Information Center – Call us at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. For security reasons, you'll be asked questions to positively establish your identity and authority to change your address. Welcome to DCU. Our New Members Guide introduces new members to our financial services. Send the application to DCU in one of the following ways: a. Bring the form to your nearest DCU branch b. Fax the form to 508.463.1369 c. Email the form to [email protected] d. Mail the form to: Digital Federal Credit Union New Accounts 220 Donald Lynch Blvd PO Box 9130 Marlborough, MA 01752 Credit Insurance. Credit insurance offers coverage that pays off or makes payments on a specific debt such as a mortgage, loan, or credit card account in the event of the policyholder's death, disability, or involuntary job loss. In other words, the contract insures the debtor for the benefit of a specific creditor. Specialty InsuranceJoin Securityplus Today. Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more! Become a Member. Online Deposit Benefits and Details. Deposit checks from anywhere with DCU's Online Deposit! Online Deposit allows you to deposit checks from anywhere, anytime with your camera-equipped smart phone or tablet, or a scanner attached to your PC or Mac computer. Now you will never have to mail in your checks, drive to an ATM, or visit a Shared ... Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Digital FCU Branch Location at 209 N Main St, Andover, MA 01810 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Dcu federal credit, 6.750%. Initial rate is usually lower than that of a fixed-rate mortgage. GET STARTED. LEARN MORE. 0 / 5 stars. APR. 7.795%. PROGRAM. 5YR/6MO ADJUSTABLE RATE-MORTGAGE AMORTIZED OVER 30 YEARS., DCU – Digital Federal Credit Union. Digital Federal Credit Union ( DCU) is a credit union based in Marlborough, Massachusetts. [1] [2] [3] It has over 1,025,000 members [4] and is the largest credit union headquartered in New England as measured by assets, managing over US $9.9 billion. [4] DCU is regulated under the authority of the National ... , Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Visit our branch office in Worcester Crossing at 11 Tobias Boland Way. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products., Credit Builder Loans. Build or rebuild your credit rating as you build savings. Borrow from $500 to $3,000 for 12 to 24 months. Terms. APR¹. EMP² Per $1,000. Up to 24 Months. 5.00%. $43.87 - (Maximum Loan Amount $3,000), Loan Applications and Related Forms. Secured Visa Credit Card Agreement – Use this form to request a Secured DCU Visa Credit Card. Visa Authorized User Application – Use to give other individuals access to your Visa account when they are not co-borrowers. Intent to Sell Form – Provide to DCU if you are buying a vehicle through a private sale., Online – Log into Digital Banking, select Move Money tab and choose Wire Transfers. By Phone – Call the Information Center at 800.328.8797. At any DCU branch., DCU Visa® advances. Cash advances on linked Equity LinePLUS accounts. Visit our branch office in Merrimack at 105 Daniel Webster Hwy (Route 3). Ask us about free checking, auto loans, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products., At DCU, we go the extra mile to get our members the best deal on new and used auto loans. Check out our auto loan calculators and other resources to help you prepare for a better car-buying experience. And if you’re ready to hit the road, you can start the process by applying online for a DCU Auto Loan.. Please note, membership is required to accept a DCU …, Online Deposit Benefits and Details. Deposit checks from anywhere with DCU's Online Deposit! Online Deposit allows you to deposit checks from anywhere, anytime with your camera-equipped smart phone or tablet, or a scanner attached to your PC or Mac computer. Now you will never have to mail in your checks, drive to an ATM, or visit a Shared ... , Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. Pay For College. Responsibly fill college funding gaps with a private education line of credit. Get Started., Proponent Federal Credit Union has been providing exclusive borrowing options as an alternative to for-profit banks for over 50 years. We are not-for-profit and member owned, which means lower rates, fewer fees, and more personalized service with tailored consultations. We offer a full suite of financial products and services, from Auto to Home ..., Join our mailing list to get the latest updates from Dirigo Federal Credit Union. DFCU offers personal and business banking for Androscoggin & Oxford counties and New Gloucester, Maine. Enjoy great rates, free cash back checking, and more., Up to 120 Months. 11.49%. $14.05 - (Minimum Loan Amount $25,000) Up to 180 Months. 11.49%. $11.68 - (Minimum Loan Amount $50,000) Rates are effective April 20, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ., 3. Fax your completed form to 833.670.2311, email to [email protected], or mail to: Digital Federal Credit Union Membership Maintenance 220 Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 What you can expect If received by mail: Allow 2 weeks for your request to be processed, By Phone. Information Center – Our Information Center Specialists can answer questions about your accounts and help you make your loan payment. Simply call us at 800.328.8797. Weekdays: 8:00 am - 9:00 pm EST. Saturdays: 9:00 am - 3:00 pm EST. Easy Touch Telephone Teller – Provides 24-hour access to your accounts by touch-tone phone. , Quick Loan Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 180 days for amounts of $200 up to $2000. Additionally, a member cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period. Other conditions may apply., The Benefits of Credit Cards. Credit cards have many unique advantages compared to spending with debit cards or cash. Benefits of credit cards include: Chargebacks. Let’s say an item you ordered is never delivered or you’re charged for a service you never requested. If the merchant refuses to give you a refund, you can …, Forgot your username? or Forgot your password? © 2024 Digital Federal Credit Union | v7.8.20. Feedback, Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Visit our branch office in Marlborough at 865 Donald Lynch Boulevard. Ask us about free checking, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products., DCU recommends that you document the use of your PPP loan funds with as much detail as possible. You may want to reach out to your accountant, attorney, or tax advisor for assistance on how to document the use of your funds. We also request that you make sure that the email address on your DCU Membership is current., Digital Federal Credit Union's Free Checking Account has no minimum balance and no monthly maintenance fees. Plus you'll get paid up to 2 days early. Join today., Re: DCU pre-approval for Visa. Congratulations! Here's to a SP! FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them. Message 8 of 15. 0 Kudos., Membership Required . 1. Eligibility by Family Relationship to a Current DCU Member. Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships). , DCU - Digital Federal Credit Union - Come to us for a better deal on free checking, auto loans, mortgages, credit cards, savings, insurance, business banking, and more. What …, The more you bank, the more you could earn. At Ascend, we share our profits. In 2023, we gave $5 million 3 back to our members in the form of bonus dividends and loan interest refunds. Estimate how much you could have earned by using our products and services. Estimates are based on the average monthly account balances and APR or APY 1 of …, Digital Federal Credit Union. 4.6 star. 5.9K reviews. 100K+. Downloads. Everyone. info. About this app. arrow_forward. DCU’s digital banking platform brings together innovative tools and..., Monday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Visit our branch office in Manchester at 369 South Willow Street (Route 28). Ask us about free checking, auto loans, competitive mortgage and home equity loans, low rate credit cards and additional savings and investment products. , At DCU, we go the extra mile to get our members the best deal on new and used auto loans. Check out our auto loan calculators and other resources to help you prepare for a better car-buying experience. And if you’re ready to hit the road, you can start the process by applying online for a DCU Auto Loan.. Please note, membership is required to accept a DCU …, You’ll belong to a credit union with over $4.3 billion in assets and branch locations nationwide to serve you. FREE online banking. FREE Checking. 100,000+ surcharge-FREE ATMs. MORE than 5,000++ full-service CO-OP Shared Branches nationwide. Apply for a UNIFY Membership Now., I. Introduction. Scope of Agreement – This Digital Banking Agreement (this “Agreement”) between you and Digital Federal Credit Union governs banking transactions using DCU’s digital (online and mobile) banking services (the “Services”). Under this Agreement, “we”, “us”, “our”, and “DCU” mean Digital Federal Credit ... , Jump-Up Regular Certificate Rates. Jump the rate up one time per term – you decide when | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹. ¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once ..., The 211391825 ABA Check Routing Number is on the bottom left hand side of any check issued by DIGITAL FEDERAL CREDIT UNION. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank., The average Digital Federal Credit Union salary ranges from approximately $36,743 per year (estimate) for a Part Time MSR(Teller) to $193,869 per year (estimate) for a Vice President. The average Digital Federal Credit Union hourly pay ranges from approximately $18 per hour (estimate) for a Call Center Representative to $77 per hour …