Credit Cards

More than just a piece of plastic in your wallet—or digital wallet—a Direct Visa® gives you a great low rate and cash back. Plus, it offers an unbeatable balance transfer offer to help you pay off your high-interest credit cards.
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Visa® Credit Card—Your Flexible Spending Solution

Enjoy the convenience of making purchases on credit while enjoying competitive rates and a range of features tailored to enhance your financial experience.
  • No Balance Transfer fees
  • No Annual fee
  • 1% Cash Back on purchases3
  • Digital wallet-ready

Key Features

Balance Transfer

Transfer your balances and pay 0.00% APR for the first 6 months. After that, enjoy a competitive rate of just Prime Rate + 1.74%, until the transferred balance is paid in full. Limited-Time Offer.

Low Rates

Benefit from a market-leading rate for purchases and cash advances with credit lines up to $25,000 based on your creditworthiness.

Annual Cash Back

Earn 1% Cash Back on all your purchases, adding extra value to every transaction you make.

Credit Card Calculators

Navigate your financial journey with our helpful calculators. Easily estimate payments, savings, and more to make informed decisions.

See how much you could save by moving debt from a high-interest credit card to a new card with a zero intro rate.

Do you want to pay down a credit card balance? Input the following information and we'll help you develop a payment plan to reach your goals.

Visa Credit Card (Consumer)

Account Type

To see the full table, scroll horizontally.
First 6 Months
After 6 Months Prime +
Balance Transfers are 0% for 6 months and then Prime + 1.74% until the transferred balance is paid off.
To see the full set of data, scroll horizontally.
As Low As Prime +
Maximum rate is 18%.
View Disclosures
Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 10.24%. The 10.24% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance.
Annual Percentage Rate (APR) based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% or 9.50% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index").
Cash Back applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Minimum of 5,000 points required for redemption. Rewards will be redeemed every November.


Interested in a credit card?

Our relationship bankers are here to help you take the first step.
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Annual Fee

Some lenders charge annual fees. It is a lump sum cardholders have to pay every year for certain credit cards.

Direct Federal does NOT charge an annual fee.

Annual Percentage Rate (APR)

The Annual Percentage Rate (APR) is the yearly interest rate that borrowers are charged on a sum of money. It is expressed as a percentage and represents the actual cost of funds over the term of a loan. This rate includes any fees or additional costs associated with the transaction but does not consider compounding. The APR is a helpful measure for consumers to compare among lenders as it provides a clear and standardized number.

Balance Transfer Fees

Direct Federal does NOT charge any balance transfer fees. Some lenders charge balance transfer fees. It is a fee that's charged when you transfer credit card debt from one card to another. It's typically around 3% to 5% of the total amount you transfer with a minimum fee, often $5 to $10.

Example: You currently have a credit balance of $10,000 you want to transfer to a new card and the new card's balance transfer fee ss 3%, it would be calculated as:

$10,000 Amount to be Transferred X 3% Balance Transfer Fee = $300 Your cost to transfer the balance to the new card.

However, if you transfer to a Direct Federal card, it would cost you $0 to transfer the balance.

Balance Transfer Rate

The rate for a transferred balance. Direct Federal offers 0.00% APR for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, until the transferred balance is paid in full.

Cash Advance Rate

The withdrawal of cash from your credit card. Some vendors use a separate rate for Cash Advances.

Direct Federal's Cash Advance Rate is the same as the Purchase Rate and we do not charge a cash advance fee.


Measure of interest rates generally that reflects trends in the overall economy. Different lenders use different indexes in their loans. Direct Federal uses The Wall Street Journal Prime Rate as posted on the last business day of the previous month.


Percentage that a lender adds to their index. Direct Federal calculates Credit Card rates using The Wall Street Journal Prime Rate (the index) plus a margin of 5.74%, 8.74% or 9.50% based on your creditworthiness.

Maximum Rate

The highest rate for a variable rate loan. At Direct Federal, the maximum rate is 18% APR.


Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

Purchase Rate

The Purchase Rate is applied to regular purchases made with a credit card. The purchase rate is applied to any unpaid purchase balances at the end of the billing cycle.

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Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.
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Is the fraud alert service safe and secure?

Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # to your specific fraud alert.

Do I need to sign up to receive fraud alerts?

You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, ie., email address, cell phone, home phone, work phone, etc.

What happens if I did not reply to a fraud alert whether via Email, Text or Phone?

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

I accidentally responded to an alert that a fraudulent transaction was valid. What do I do now?

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

I accidentally marked a valid transaction as fraudulent. What do I do now?

When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

A legitimate transaction triggered a fraud alert. How long should I wait after responding to an alert to reattempt the transaction?

Upon confirming that a transaction is valid, you may retry the transaction immediately.

I have a joint account with another cardholder. Why did I not receive a fraud alert? Why am I receiving fraud alerts when someone else on my account is making a transaction?

Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.

I accidentally opted out of receiving fraud alerts. How do I opt back in?

If you accidentally opted of out text alerts from a mobile phone, when the digital system calls to verify activity, the system will provide the opportunity to opt back into text alerts for the mobile phone.  For all fraud alert types, please call the number on the back of your card to re-enable fraud alerts to an email address, a mobile phone or landline phone number. You can also visit a branch for assistance.

How do I stop receiving fraud alerts? What should I do if I don’t want to get a fraud alert at a certain phone number?

1. You can opt out of text alerts by replying “STOP” to the text message

2. You can opt out of phone calls when the alert system calls you.

3. Click on the Unsubscribe link in the email to stop the emails.

4. Contact our Call Center to ask to stop receiving fraud alerts.

5. Visit a branch to ask to stop receiving fraud alerts.

How do I update my contact information (phone numbers, email addresses, etc.)?

You can update your contact information by updating your account profile in Digital Banking, by calling Member Services, or by visiting our branch.

Update in Digital Banking >

What phone number(s) will receive fraud alerts?

Any phone numbers that Direct Federal has in your records may be sent alerts.

Will I get fraud alerts while I am traveling domestically/internationally?

If you are travelling within the U.S., you will receive phone calls, text messages and emails. If you are travelling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.

Will fraud alerts contain any personal information?

We will not transmit sensitive personal information through alerts.

Why am I receiving a fraud alert?

Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.

What are fraud alerts?

Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Direct's fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

How can I check the status of an application?

If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.

Check Status as a Member >

If you are not a member, please visit our Application Status Center.

Check Application Status >

Where can I find my credit card reward points?

You can locate your credit card reward points balance on your credit card statement. You can access this statement within Digital Banking.

View credit card statement >

Rewards will be processed annually in November and a check will automatically be mailed to you. Minimum of 5,000 points required for redemption.

How can I pay my bill?

We offer a variety of options to pay a Direct Federal Loan or Line of Credit.

View payment options for Direct Federal Loans and Lines >

How can I increase my credit limit?

You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.

Depending on the assessed value of your home, and the amount of equity you have in it, you may be eligible to refinance/increase your existing Direct Federal Home Equity Line. Home Equity Line Refinances/Increases have a $295 fee.

Click here to apply to refinance/increase your existing Home Equity Line >

Submit Credit Card Limit increase request >

Is there a credit card cash advance fee?

There is no cash advance fee.

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