Perhaps. But we have threads here for the important banking services providers: Alliant, NFCU, Ally, etc… DCU simply does not rank up there at that level. So this might or might not be destined to be a single post and never blossom into a thread at all. Time will tell. Nevertheless:
I was notified today by DCU of the twelfth anniversary of having become a member there. That puts my join date back before the crash. I cannot remember any longer why or how I joined.
Instead my most vivid memory related to DCU is of a large deposit I overnighted to them. It arrived in their city the next morning whereupon I was screwed out of a lot of interest by refusal of their local post office to deliver my mail piece to DCU while simultaneously lying to me (on the telephone) about what was going on. Later, when I sought a refund from the United States Post Office, my refund was refused on basis that my letter arrived timely at the local post office. That was the last time I used the fraudulent USPS “Express” mail “service”.
But I digress, back to DCU:
Like any other member I leave my $1000 there, in savings, earning at a rate of 5% APY. Every few months I suck out enough money to take the balance down to $990. When it grows back above $1000 I suck the balance back down. Rinse and repeat.
And that’s about the only profitable thing going on at DCU as far as I know.
There is one other benefit to membership. DCU, on a monthly basis, provides a decent and current credit score readout from Equifax. That is a free service I use and appreciate.