Person painting walls with their dog

What Will Your Home Help You Achieve?


Home Equity Line of Credit

Prime -0.50% For Life
8.00% APR*
  • Rate security with a 3.00% APR Floor Rate
  • Access funds for 10 years
  • 10-year repayment period
  • Lines from $20,000 to $500,000
Home Equity
A couple in front of moving boxes

Move In on the Perfect Mortgage


15 Year Fixed Rate
  • Rate Security: Lock in your rate for 60 days while you house hunt.
  • Quick, Easy Application: Get preliminary approval within 24 business hours.
  • Complete Transparency: No hidden costs, no "junk fees."
  • Decades of Experience: Finance the biggest purchase of your life with a proven, reliable lender.

Save Money at Every Step of Your Financial Journey

Enriching Our Community, Together

We take great pride in being a trusted neighbor and active community partner, providing services that empower our Members and enrich our surrounding towns.
A group of laughing coworkers gathered in a circle.
Empowering Your Business


Direct@Work is a business banking program designed to enhance the financial wellbeing of both employers and employees. Click below to explore the many benefits of enrolling your business.
Learn More
Group of people standing in front of a brick wall.
Banking for everyone

Membership Means More

Membership Means More focuses on making banking accessible and affordable for all, helping every member of our community gain financial education, establish savings goals, and build credit.
Learn More
An assembly line of Direct Federal employees packing bags at a community volunteering event.
Funding Meaningful Change


Through our DirectGiving Program, we are proud to empower and support numerous community initiatives, making a meaningful impact through charitable contributions, volunteerism, and a focus on financial wellness.
Learn More
Direct Federal employees standing with an author and community partner.
Celebrating Lived Experiences

Diversity, Equity, & Inclusion

We celebrate our commitment to diversity, equity, and inclusion, fostering a community where everyone’s unique strengths and perspectives thrive.
Learn More
Group of Direct Federal employees at the annual Ride for Food event.

Learn About Us

More than just a banking partner, we’re committed to empowering your financial future and wellbeing by offering:
  • Great Rates. From loans to deposits, we give you the edge you need to achieve your goals.
  • Easy Access. Enjoy seamless, simple banking at your fingertips with the most advanced technologies and systems.
  • Remarkable Service. Experience a banking relationship where every interaction goes above and beyond.

What Our Members Say

Get an idea of what it is like to bank with us.
"Even though I moved out of state 5 years ago, Direct Federal has made it easy for me to keep my accounts!! Their customer service is unparalleled!! Thank you for treating me like a person, not an account number!"
Carol D.
"I have been a member since about 1996 and will continue to be a member until I am no longer banking. I have always praised the credit union for their stellar service. Most importantly, a human being actually answers your calls. Their team is always professional, friendly, knowledgeable and goes above and beyond to help with any issue you may have. In all my years with the credit union, I have never once had any issues with any of my banking. I don't think there are too many businesses that would be able to receive a compliment like that. I can't say enough about this credit union or it's stellar employees, thank you."
James M.
"Keep doing what you're doing and have been doing. I think Direct Federal does a great job of making banking easy and convenient. As a customer for over 20 years, I have been extremely satisfied with my Direct Federal Credit Union interactions and have recommended Direct Federal to friends, family, and colleagues for years."
Peter A.

Interested in a no-cost membership?

Join our family today! Get in touch with one of our Relationship Bankers to take the first step.

Contact Us

We’re here for you on your schedule.