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Rates
ATM Finder

Special Rate.
Longer Term.
Greater Savings.

NEW OFFER!

Home Equity Line of Credit

SPECIAL INTRODUCTORY RATE OF
6.24% APR1
PRIME MINUS 1.51% FOR 6 MONTHS

New HELOCS ONLy

  • Prime minus 0.50% APR after Intro Period2
  • Variable Rate that can go as low as 3.00%
  • 15 years of interest-only payments
Home Equity
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Move In on the Perfect Mortgage

Mortgage

30 Year Fixed Rate
7.265%
APR*
  • 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.
Mortgages
FEATURED PRODUCTS

Save Money at Every Step of Your Financial Journey

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CD Share Certificate

6 Month Certificate

New Money Only
4.70%
APY*
  • Guaranteed return
  • No deposit limit
  • Federally insured
  • 4.75% APY⏤balances $100,000+
View CDs
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VEHICLE

Vehicle Loan

As low as
5.74%
APR*
  • New and used vehicles
  • Purchase, refinance, lease buyout
  • Finance up to 120% of vehicle value
View Auto Loans
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Money Market Account

High-Yield Money Market

Minimum Balance—$200,000
3.75%
APY*
Minimum Balance—$200,000
  • Federally insured
  • No deposit limit
  • No maturity date
  • No monthly fees
View Money Market

PROD NAME

999 Lifetime Savings:

: 0.0%*
Avg: 0.0%*

APPLY NOW

Source: Datatrac

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.
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Empowering Your Business

Direct@Work

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
PROUDLY & LOUDLY SUPPORTING CUSTOMER BUSINESSES

Vocal For Local

We are proud to support Member businesses through our “Vocal for Local” spotlight program. Get in touch to take advantage of a wide array of complimentary promotional opportunities.
Learn More
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Funding Meaningful Change

DirectGiving

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
VOCAl For LOCAL SPOTLIGHT

Ellie Fund

Learn More About Business
About

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.
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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.
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Contact Us

We’re here for you on your schedule.

Message

Login to Online Banking and send us a secure message 24/7 through the Message Center.
Online Banking Message Center

Chat

Live Chat available Monday-Friday 8am-5pm.

Phone

Call Center available Monday-Friday 8am-5pm and Saturday 8am-1pm.
888.2DIRECT

Branch

Branch available Monday-Friday 8am-4pm and Saturday 8am-1pm.
50 Cabot St. Needham, MA 02494