First Technology Federal Credit Union and Digital Federal Credit Union merged under a single NCUA charter effective 2026-01-01. The two divisions maintain separate rate surfaces with nonidentical pricing. On 24- and 36-month certificates collected 2026-08-15, the First Tech surface posts 3.25% APY; the DCU surface posts 3.00% APY. The gap is 25bps on the same legal entity.
This publication carries First Tech as one peer-set entry. DCU division rates are noted where they diverge but do not occupy a separate peer-set slot. If the peer roster previously included DCU as a standalone institution, that removal is a denominator change, and any resulting median shift is bridged so it does not read as a repricing event.
Whether the two divisions share a pricing committee or set rates independently cannot be determined from public disclosure.
Merger effective: 2026-01-01; single charter, single NCUA insurance pool
Routing numbers: First Tech 321180379; DCU 211391825 — both active
Branch access: No cross-division branch access during integration
Rate divergences collected 2026-08-15:
- 24-mo cert: First Tech 3.25% / DCU 3.00%
- 36-mo cert: First Tech 3.25% / DCU 3.00%
- 6-mo cert: both 3.25%
Tier structure: First Tech uses $100k balance tier; DCU regular certificates show no tier
DCU rate effective date: Blank on page as of collection [Verify]
First Tech rate effective date: 2026-08-05 [Confirmed]
Full integration: Anticipated 2027