Facebook Auto loans | Home equity lines | Direct Federal Credit Union Boston, MA


5-10 Year Flex Term

3.137 % APR*

Credit Card

6-Month Balance Transfer

0.00 % APR*


21-Month CD

1.60 % APY*

The Direct Advantage

Direct Federal offers market leading rates across all of our products, from Share Certificates and Savings accounts to Home Equity Lines and Mortgages. Open your accounts with us today and we guarantee you'll save money each month. Ask us today about the Direct Advantage.


Interest Rates Certified by Datatrac

Product Spotlight

first time home buyer program

Our unique First Time Home Buyer program was designed to make the home buying process more accessible and affordable to first time buyers. This exciting program features:

  • 10% down with NO PRIVATE MORTGAGE INSURANCE (PMI) required
  • A special price of $995 for closing costs
  • Complete flexibility on terms and mortgage loan type. Borrowers may choose from ANY of our mortgage products, including 5/1 and 7/1 ARM, as well as 15 and 30 year fixed rate (both conforming and jumbo)
  • Peace of mind in a rising rate market. Borrowers will receive the best rate from application date to 7 days prior to closing, for up to 90 days.



Exit closure - saturday 7/8/17

The Massachusetts Department of Transportation (MassDOT) has announced that beginning at 10 p.m. Friday and lasting through 5 a.m. Monday, there will be temporary on and off-ramp closures and local roadway lane closures in the area of exits 19A and 19B in Needham where Route 128/I-95 connects with Highland Avenue due to the ongoing Add-A-Lane project. If you are planning to visit our branch on Saturday, July 8, 2017 you may be detoured and have to seek an alternate route. Please read the following article for additional information: https://patch.com/massachusetts/needham/heres-weekends-closures-around-exit-19-route-128



How to prevent identity theft

No one can totally eliminate the risk of identity theft, but there are things you can do to reduce risk. Think of your Social Security Number (SSN), financial account numbers, and passwords as the Holy Grail—sacred and powerful. Protect them carefully.



Member Benefits

Love my Credit Union Rewards

Direct Federal is excited to offer you, our member, exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.