--- title: "Digital Credit Union Rates (Sep 2026): HELOC 7.00%, Mortgage 6.97%" description: "Digital Credit Union rates today: arm mortgage 6.97% APR, HELOC from 7.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Digital Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/digital-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Digital Credit Union Rates (Sep 2026): HELOC 7.00%, Mortgage 6.97% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **ARM** arm | 6.969% APR | 7.000% | — | Standard | | **PURCHASE FIXED-RATE MORTGAGE** other | 7.748% APR | 7.625% | — | Standard | | **ARM, Refinance** arm | 7.021% APR | 7.125% | — | Standard | | **REFINANCE FIXED-RATE MORTGAGE** other | 7.874% APR | 7.750% | — | Standard | Digital Credit Union mortgage rates as of September 25, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan, Refinance** auto | — APR | 4.990% | — | Standard | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **Motorcycle Loan** motorcycle | — APR | 6.250% | — | Standard | | **ANTIQUE CAR LOAN** auto | — APR | 8.240% | — | Standard | | **LARGE RECREATIONAL VEHICLE LOAN** rv | — APR | 8.990% | — | Standard | | **Boat Loan** boat | — APR | 8.990% | — | Standard | | **SMALL RECREATIONAL VEHICLE LOAN** rv | — APR | 10.850% | — | Standard | Digital Credit Union auto & vehicle rates as of September 25, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.000% | — | Standard | Digital Credit Union heloc rates as of September 25, 2026 As of September 25, 2026, Digital Credit Union offers a arm mortgage at 6.969% APR. HELOC rates from 7% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/digital) , verified from [Digital Credit Union's official website](https://www.dcu.org/) Best product position **Room to improve vs. the Massachusetts median** HELOC Gap to state best **250 bp** 250 bp from state best Vs. state median **50 bp behind median** HELOC Products ranked **1** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.00% | Room to improve vs. the Massachusetts median | 250 bp from state best | 50 bp behind median | Published rate position by product as of September 25, 2026 This is the public snapshot. Claim Digital Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=digital&state=massachusetts&code=MA&name=Digital%20Credit%20Union) ## Who Can Join Digital Credit Union Membership eligibility from Digital Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. **Cost to join:** About $10. Verified from [Digital Credit Union's membership page](https://www.dcu.org/membership/become-a-member.html) . Final membership determination is always made by the credit union. ## Work at Digital Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Digital Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Digital Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=digital&state=massachusetts&code=MA&name=Digital%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Digital Credit Union offer? Digital Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Digital Credit Union rates updated? RateAPI verifies Digital Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Digital Credit Union's rate data? Rate data is collected directly from Digital Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Digital Credit Union's mortgage rate? As of September 25, 2026, Digital Credit Union offers a arm mortgage at 6.969% APR. ### What is Digital Credit Union's HELOC rate? As of September 25, 2026, Digital Credit Union offers home equity lines of credit from 7% APR. ### Who can join Digital Credit Union? Anyone can join Digital Credit Union — there is no employer, location, or affiliation requirement. ## Related Rate Data Compare Digital Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Digital Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Digital Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /digital " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/digital-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp