Estate planning and settlement at DCU
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-328-8797
DCU merged into First TechMerged, effective January 2026
Digital Federal Credit Union and First Tech Federal Credit Union legally combined into First Technology Federal Credit Union on January 1, 2026 (NCUA charter #23521). DCU states members "are now members of the same credit union" and that the organizations operate as two divisions under the assumed business names Digital Federal Credit Union (DCU) and First Tech Federal Credit Union until operations are fully combined, with complete integration anticipated in 2027. DCU account numbers, digital banking, branches, the 800-328-8797 line, and existing POD/trust/IRA designations remain in place. One estate-relevant consequence: NCUA share insurance now aggregates balances across BOTH divisions into a single $250,000 limit per individual, so a member with accounts at DCU and First Tech may hold less coverage than before the merger. Shruti Miyashiro is President and CEO of the combined credit union. The separate Digital Federal charter no longer appears in the NCUA Credit Union Locator.
DCU offers 11 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, DCU nationwide membership. Founded and headquartered in Massachusetts (853 Donald Lynch Boulevard, Marlborough). Since the January 1, 2026 merger, DCU is a division of First Technology Federal Credit Union, whose combined branch network spans DCU branches in Massachusetts and New Hampshire and First Tech branches in the western states. DCU also participates in the Co-Op Shared Branch Network (more than 5,000 branches and 30,000 ATMs). Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Beneficiary designations at DCU can be managed in branch, by phone, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
DCU provides specific procedures for both proactive estate planning and filing claims after a death.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at DCU.
Preparing your estate →Death claim process
Report the death to DCU's Membership Maintenance at 1-800-328-8797. The page lists the steps and the documents to send.
When someone dies →Reach DCU's Specialized Accounts at 1-800-328-8797 for help with any of these procedures. Email inquiries can be sent to specializedaccounts@dcu.org.
Sources
Data sourced from DCU primary sources (22 pages reviewed). How we research.
DCU customer support
DCU Information Center
Phone
Lost/Stolen VISA Card
Hearing Impaired (711 Relay)
Life Insurance Claims (Franklin Madison)
Membership-Related Fax
Operations Department Fax
New Accounts Fax (Totten / Trust applications)
Fax
Hours
Mailing address
Website
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