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


5-10 Year Flex Term

3.012 % APR*

Credit Card

6-Month Balance Transfer

0.00 % APR*


30-Month CD

2.00 % 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

Equifax Data Breach

IMPORTANT Information regarding the equifax Data breach

Recently, Equifax, one of the largest credit reporting agencies in the country, reported a data breach.  Direct Federal's systems were not affected by the Equifax data breach.  Direct Federal has 24-hour fraud monitoring systems in place to monitor your account activity for suspicious transactions.  So while this breach may not have any direct relationship to your Direct Federal accounts, information obtained by the attackers include names, social security numbers, driver's license, and credit card numbers.

To protect yourself from fraud:

  • Review your account activity through online and mobile banking,  You may also set up notifications of account statuses and changes through online and mobile banking.  For online banking notifications, login to your account and then click  "Additional Services" in main navigation.  Then select "Email Alerts and Notifications."  For mobile banking notifications, login to your Direct Federal app, then select "Settings" then "Push Notifications."
  • You may apply a security freeze to your credit report.  Most businesses will not open credit accounts without first checking a consumer's credit history.  If your credit files are frozen, even someone who has your name and social security number would have a difficult time obtaining credit in your name. 
  • You may also register for a free annual credit report.  Visit AnnualCreditReport.com to register. 
  • Finally, follow the latest updates on the Equifax data breach or enroll in complimentary identity theft protection and credit file monitoring, by visiting Equifax Security 2017.


If you see any unusual activity on your Direct Federal accounts, please call us at 781-455-6500.


direct federal hurricane relief efforts

In the credit union cooperative spirit of “People Helping People”, Direct Federal continuously looks for causes, organizations and needs in our community that we can support. Direct Federal has donated $6,000 to the St. Bernard Project specifically for relief efforts for victims of Hurricane Harvey and Irma. We’ve provided access to the St. Bernard Project/Direct Federal funding page so you may donate much needed funds for the so many in need. Click here to make a donation.

Any questions please contact Dave Walsh, Director of Community Relations at Direct Federal.



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
  • Reduced 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.


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.