Estate planning at DCU
How to protect 14 DCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Brand change
Digital Federal Credit Union and First Tech Federal Credit Union legally combined into First Technology Federal Credit Union on January 1, 2026, forming the 6th largest U.S. credit union by assets (about $28.7 billion, nearly 2 million members). Through 2026 the two continue operating as separate divisions under their own brands, so DCU account numbers, online banking, branches, phone (800-328-8797), and POD/trust/IRA designations remain in place. DCU CEO Shruti Miyashiro leads the combined credit union. Effective January 2026.
DCU is now part of First Tech. The procedures below reflect DCU's accounts during the transition. View the First Tech estate planning page.
Digital Federal Credit Union, 853 Donald Lynch Boulevard, PO Box 9130, Marlborough, MA 01752-9130
Digital Federal Credit Union, 853 Donald Lynch Boulevard, PO Box 9130, Marlborough, MA 01752-9130
Membership Maintenance (Deceased Member Services)
Digital Federal Credit Union, Membership Maintenance, PO Box 9130, Marlborough, MA 01752-9130
DCU offers 14 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, DCU nationwide membership available. Founded in Massachusetts. Merged with First Tech Federal Credit Union effective Jan 2026. Combined entity has 50+ branches across 8 states. 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 mail, and by phone, typically taking 15-30 minutes to complete form; 1-2 weeks for processing 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at DCU.
View details →When someone dies
Death claim process
8-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
DCU does not offer online POD beneficiary management for deposit accounts. To add or change a POD beneficiary on a DCU checking, savings, money market, or certificate, you must complete the Totten Membership Application form (available at dcu.org/dcu-support-center/applications-and-forms.html), then submit it by mail to PO Box 9130, Marlborough, MA 01752-9130, by fax to 866-874-7820 (Membership), or in person at any branch. For IRA beneficiary changes, designations are managed separately through the Ascensus IRA Service Center at apps.rps.ascensus.com.
Digital Federal Credit Union merged with First Tech Federal Credit Union effective January 1, 2026 and currently operates as a division of First Technology Federal Credit Union (the combined entity is the 6th largest credit union in the U.S. by assets). Throughout 2026, existing DCU account numbers, online banking access, branches, POD beneficiary designations on Totten memberships, trust accounts opened with the Trust Application and Disclosure, and Ascensus-managed IRA beneficiary designations remain in place. Members continue to use 800-328-8797 and dcu.org for the latest integration updates.
Sources
Data sourced from DCU primary sources (20 pages reviewed). How we research.
Digital Federal Credit Union, 853 Donald Lynch Boulevard, PO Box 9130, Marlborough, MA 01752-9130
Digital Federal Credit Union, 853 Donald Lynch Boulevard, PO Box 9130, Marlborough, MA 01752-9130
Membership Maintenance (Deceased Member Services)
Digital Federal Credit Union, Membership Maintenance, PO Box 9130, Marlborough, MA 01752-9130
Estate planning articles
Learn how to protect your DCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
