Contact Information

At Direct Federal Credit Union, connecting with us is easy and accommodating. We understand that life doesn't adhere to a 9-to-5 schedule, and neither do we. Here are multiple avenues to reach out and get the support you need, whenever you need it.
get in the know

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.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
What if you do not receive my Title with Direct Federal listed as lienholder?

You will receive three letters notifying you that your title, with Direct Federal listed as lienholder, has not been received. If the title is not received within 90 days of your loan funds being disbursed, your interest rate may be increased to 18.00% APR (Annual Percentage Rate). Once we receive the perfected title, we will revert the rate to the rate on your loan agreement. This will not affect your credit history.

Is there a balance transfer fee for credit cards?

There are no balance transfer fees.

How do I change or remove names from my Title?

If you are adding, changing, or removing a name on the title, you can submit a name change request through Online Banking or by calling our Contact Center at 888.2DIRECT.

IMPORTANT: Direct Federal cannot process the name change for you. You must complete this process with the applicable RMV.

This request allows us to print/prepare the title so you can process the name change at the RMV. We will mail the title and permission letter to the address you have on file with us. Then bring those documents to your RMV so they can process the name change and send the title back to us.

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 do I need to do with my Title if I am moving to another state?

If you are moving to a different state within the U.S., a state change request should first be submitted through Online Banking or by calling our Contact Center at 888.2DIRECT.

IMPORTANT: Direct Federal cannot process the state change for you. You must complete this process with the applicable RMV.

This request allows us to print/prepare the title so you can process the state change at the RMV. We will mail the title to you at the address we have on file. Then bring it to the RMV to complete the title and registration in your new state. We cannot do this for you.

IMPORTANT: The process is different for owner retained states. If you live in an owner retained state, you do not have to file a state change with us. Simply go to your new RMV to title and register there. Please make sure all Direct Federal’s information is correct on all documentation so that we get notified of the state change.

Going to the RMV before filing a request with us will result in delayed processing of your forms. The RMV will contact us to request that the title be mailed to them, resulting in a higher chance of title loss. In this case, we will not be able to provide you with a duplicate title unless Direct Federal is listed as lienholder.

I have a Joint on my account, can he/she/they have their own online banking?

Yes! The Joint account holder can create their own user login.

What if I need more money?

If you realize you need more money to finance your purchase once you start shopping for your car, simply call us at 781.455.6500.

Do you charge to use the coin machine at the branch?

We do not charge for the coin machine but you must be a member to use it.

The coin machine is available Monday-Friday (8am-3pm) and Saturday (8am-11pm).

Please contact us at 888.2DIRECT if you plan on coming into the Branch to use the coin machine.

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.

Are properties in a trust eligible for a HELOC?

Yes, Direct Federal will allow properties that are placed in acceptable trusts.  The trust must be reviewed by our Attorney and must meet all of our guidelines and requirements for the transaction to move forward.  The applicant will need to provide a full copy of the Trust agreement for review.  The applicant must be the trustee or one of the co-trustees.  All trustees must be 18 years of age or older.  Additionally, the trustee must be authorized to borrow money and encumber real estate.

Are there any fees to send money using Zelle?

No, Direct Federal Credit Union does not charge any fees to use Zelle® in our mobile app.

Your mobile carrier's messaging and data rates may apply.

How do I transfer a balance to my credit card?

Log in to Online Banking or our Mobile App Hover over Menu item "Tools"Select "Card Management"Select your Visa Credit Card. Select "Balance Transfer", input Card Issuer Details and Submit!

Transfer Balance Now >

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

View our banking account options >

Do you offer land loans?

We currently do not offer land loans but please check back in with us in the future!

How do I use Zelle?

You can send, request, or receive money with Zelle®. To get started, log into the Direct Federal Credit Union App​. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Direct Federal Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

  1. Click on link provided in the payment notification you received via email or text message.
  2. Select Direct Federal Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Do you offer Home Equity in my area?

Direct Federal lends on properties located in the following locations:

Massachusetts Counties: Norfolk, Middlesex, Suffolk, Plymouth, Essex, Bristol, Worcester, and Barnstable

Rhode Island Counties: All Counties in Rhode Island

New Hampshire Counties: Rockingham, Hillsborough, and Cheshire

When will the money come out of my account for each Bill?

Your account will not be debited until the payment has been either delivered electronically or until the check is cashed.Reminder will be sent at 60 days if the check remains undeposited. Should an undeposited check extend to 90 days, Bill Pay will automatically void the check and refund the money to the member’s account at no charge.

What is your Fax number?

Our fax number is 781-433-2922.

How are Money Market dividends compounded?

Money Market dividends are are compounded monthly, and posted monthly.

What are my credit card billing rights?

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

Visa Credit Card Agreement (Consumer)

What happens when my CD matures?

At  maturity, Share Certificates (CD) will rollover into the same term at the  current rate being offered, unless Direct Federal is notified prior to  maturity or during the 7-day grace period.

What are the appraisal fees for a HELOC?

Requested Lines $400,000 and above require an appraisal. Also, if you believe your home value is higher than our assessed value, an appraisal may be required in order for us to approve the amount requested.

Appraisal cost estimates:

Single-family unit - Approximately $500

Multi-unit -Approximately $650.00

How do I see what Bills I have being paid each month within Bill Pay?

On the “Payments” tab of the Bill Pay widget, you will see “Payment Activity”. There you will see what Bills are scheduled to be paid in the current month. By clicking “Next” or “Previous” you can see what is scheduled to be paid or has been paid in the previous month. If you need additional information about any payment such as the payment frequency or the check number, click on the individual payment to be brought to the payment details.Alternatively, if you click on the “Manage Payees” tab within the Bill Pay widget and select an individual Payee you can view historical and scheduled payments for each Payee. Please note that payment history is only available from 2/1/21 and on. Please reference your past statements for payments prior to that.

Can I use talk-to-text(Dictation) to talk to a live chat associate?

Our live chat platform supports the talk-to-text (dictation) feature available on your smart device. To use talk-to-text to chat with one of our live associates click on the “live chat” button found on the bottom left of your screen. Upon establishing a connection with a live chat associate, you may initiate the use of the talk-to-text feature.

The method for accessing the talk-to-text feature on your device's keyboard may vary depending on the type of smart device you are using. To assist you in locating the talk-to-text feature on your device, we have provided additional resources below.

Click here for Apple Keyboard
Click here for Google assistant (gboard)

*Other keyboards may support this feature. Contact your phone provider for additional assistance.

What information needs to be on the Title?

Once you get your title, there may be some changes that need to be made before the title is ready to be given to Direct Federal. Please do not write on your title, as this will void the title. In the Names and Mailing Address of Owners section, it must list you as the owner and your current address. If the title application with the RMV is completed properly, we will be notified that the title has been created with "Direct FCU" as lienholder.  

IMPORTANT: The VIN (Vehicle Identification Number) on your Loan Note and Agreement must match the VIN on your title. If you are aware of any discrepancies, please contact us as soon as possible.

If the vehicle you are titling is for your business and you would like it in your business name, you must open a business membership and apply for a commercial loan. If you have started the loan as a personal vehicle loan, the title will need to be in your name.  

Direct Federal’s lienholder information:

Direct Federal Credit Union


50 Cabot Street

Needham, MA 02494

Do you have Deposit Insurance?

With Direct Federal, any savings account that you choose is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. This deposit insurance protection is offered by the National Credit Union Administration (NCUA) and is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

  • Each savings account is insured up to $250,000 per account owner
  • Individual Retirement Account (IRA) funds are separately covered up to $250,000
  • Funds in a trust account are separately covered up to $250,000

Plus, you have the ability to increase the insurance on your accounts depending on the types of accounts you have and how your accounts are owned.

For a detailed explanation of the NCUA visit their site . To estimate your insurance coverage, go to NCUA Share Insurance Estimator.

Questions? Simply call the NCUA Insurance Call Center at 800.755.1030, ext. 1; or call Direct Federal at 781.455.6500.

Do you have safety deposit boxes?

We currently do not offer safety deposit boxes at this time.

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.

What is the difference between a Title and Registration?

The title proves that you own the vehicle. The registration is permission from the state to operate it on the road. It will come to you with license plates and/or a sticker to display on the vehicle. In most states, your registration should always be with your vehicle, just like your license plates.

The final step of owning your new vehicle is to register and title it at your state’s Department of Motor Vehicles (RMV). It may also be known as the Bureau of Motor Vehicles (BMV), the Registry of Motor Vehicles (RMV), or the Department of Transportation (DOT), depending on your state. For simplicity here, we will refer to it as the RMV.

Direct Federal only holds onto the title while your auto loan is open if you do not live in an owner retained state. If you live in an owner retained state, the RMV will send you the title to keep safe until your loan is paid in full.

I made a Loan payment, and I am still seeing a notification that my Loan is due. Did it not go through?

The notification will disappear once your payment has posted to the Loan. Please allow 4-5 days for your payment to process before queuing another payment.

What is the minimum or maximum home equity line amount I can apply for?

With Direct Federal, you can open a Home Equity Loan or Line for:

Primary Residences: Any amount between $20,000 and $500,000.

Second Homes and Investment Properties: Any amount between $20,000 and $200,000.

Why do I need to provide Direct Federal my Title?

As part of your loan agreement with Direct Federal, and because your car is serving as the collateral for the loan, you are required to provide the title to us within 90 days of opening the loan. The title must display your name as the owner and list Direct Federal as a lienholder. Being a lienholder means we have an interest in the property that is on the title until the loan is paid in full.

If we receive a title for your vehicle that does not have “Direct FCU” listed as lienholder,  forms to add lienholder will be mailed to you. Please complete the highlighted sections and return them in the envelope provided along with a check made payable to the applicable RMV so we can file for lien placement on your behalf.  

Note: If the envelope is lost, please send documents to:

Direct Federal Credit Union

Attn: Loan Servicing

50 Cabot Street

Needham, MA 02494

How can I make sure my mobile app stays up to date?

You can ensure that you're on the newest app version available by turning on automatic updates in your device settings

What types of properties qualify for a Direct HELOC?

Direct Federal lends on properties located in the following locations:

Massachusetts Counties: Norfolk, Middlesex, Suffolk, Plymouth, Essex, Bristol, Worcester, and Barnstable

Rhode Island Counties: All Counties in Rhode Island

New Hampshire Counties: Rockingham, Hillsborough, and Cheshire

What is the Recording fee for a HELOC?

$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.

Do you offer motorcycle loans?

We do not offer motorcycle loans at this time, but click below to learn more about what personal loans and lines of credit we offer!

View Home Equity >

View Personal Loans >

View Credit Cards >

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 >

Can I hide payees I do not use often?

Unfortunately, you are unable to hide payees. If you have a payee that you do not use or do not use often you can add a “z” in front of the payee nickname to add it to the bottom of the list. Alternatively, when setting up Payees, you can add “tags” to each payee. This will allow you to sort by tag. For example, for Payees you pay each month you could add the tag “Monthly Payment”. You will then be able to sort by all Payees with the tag “Monthly Payment”.

Can I pay my Direct Federal Visa® bill online?

Yes. You may pay your Direct Federal Visa bill online using any checking account.

View Payment Options

What happens if interest rates change between the time I apply and the time I purchase a vehicle?

If rates rise from the time you apply until the time you use your loan, you will get the lower rate that was in effect when you applied. If rates fall from the time you apply until the time you use your loan, you will get the lower rate in effect at the time of purchase.

How long will it take to receive my Direct Federal Visa® card?

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

How long do I have to use my Direct Federal Auto loan?

You have 60 days. If, for whatever reason, you do not use the loan during that time period and need another one, simply call us at 781.455.6500.

Can I cancel a payment sent with Zelle?

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment". If you do not see this option available, please contact our customer support team at 7814556500 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at 7814556500 so we can help you.

How do I get free checks?

You can get free checks with a Hub or Community checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through online banking, our member service center, or in the branch.

Will fraud alerts contain any personal information?

We will not transmit sensitive personal information through alerts.

How do I set up a new Payee in Bill Pay?

Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.

What if I want to send money to someone whose bank or credit union doesn't offer Zelle

You can find a full list of participating banks and credit unions live with Zelle® at

If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

When is my first payment due for my auto loan?

Your first payment is due on the 30th of the month following the month you use your auto loan. For example, if you use your loan during September, your first payment will be due on October 30.

Are my deposits insured?

We are  federally Insured by the NCUA. The National Credit Union Share Insurance Fund  was created by Congress in 1970 to insure members' deposits in federally  insured credit unions. Each credit union member has at least $250,000 in total coverage in individual accounts.

The  Share Insurance Fund also separately protects members’ IRA accounts up to  $250,000 and provides additional coverage for members’ trust accounts.

The  Share Insurance Fund has the backing of the full faith and credit of the  United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.

Can I pay a small business with Zelle?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Direct Federal Credit Union App​ using just their email address or U.S. mobile number.

Neither Direct Federal Credit Union nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Do you offer VA loans?

We currently do not offer VA loans.

Can I add more money to my CD account?

Funds cannot be added to an existing CD Share Certificate.

How long is the payment grace period for a HELOC?

The Home Equity grace period is 10 days.

Can I pay off a home equity loan or line with another lender using a Direct Federal Home Equity Loan or Line?

Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".

Will my credit be pulled if I need a Home Equity increase?

Yes, you will need to submit a HELOC application and select "Home Equity Increase (Refinance)" as the purpose.

Home Equity Line Refinances/Increases have a $295 fee.

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

Why does it say it will take 10 days to send my Bill Payment?

The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

Where do I access Bill Pay?

You can access Bill Pay by clicking here or you can access Bill Pay from our Mobile App. Bill Pay can be found by selecting More > Transfer & Pay > Bill Pay.

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.

Do you offer loans for commercial/business vehicles?

Yes, we do finance commercial vehicles!

View Business Loans >

Why is my checking account balance more than my available balance?

Possible  reasons for the difference in balance and available balance could be as  follows:

-Funds  being held according to our check hold policy
($1,000.00  available immediately, remaining balance up to $5,000 are subject to a 2  business day hold, $5,000.00+ are subject to a 5 business day hold)    

-Pending  transactions have yet to post to the account.

How do I apply for a mortgage?

Completing your mortgage application online is just like completing one on paper — with the added benefit of being able to complete it anytime, anywhere. Plus, at any time, you may stop and save your application; then return to it later. Expect your application to take about 15 minutes to complete. A series of prompts and helpful tips will guide you through each screen to help you through each stage of the application process, which includes the following steps:

Start App – You’ll be asked to select a username and password to ensure security and privacy. Create and enter your username and password here and make a note of them for your records.

Loan Details – Enter the address, price and other information related to the property.

Personal Info – Provide the name, date of birth and social security number for EACH borrower.

Employment Income – Tell us about your current employment situation, including gross income and any additional income you may receive.

Expenses – What is your current monthly expense for housing?

Asset Info – Provide a list of your financial assets, including bank accounts and investments, in order to verify that you have access to sufficient funds to complete the transaction.

Submit App – After a few final questions, simply submit the application to Direct Federal and a mortgage specialist will follow up with you

How much can I borrow for my auto loan?

You can borrow 120% of the value of your car (subject to our maximum auto loan limit of $100,000). This allows you to finance the entire purchase price, plus GAP insurance and the sales tax.

Is there a credit card over limit fee?

There is no over limit fees.

Can I withdraw my CD dividends?

Monthly dividends are available for withdrawal without penalty.

Are there any fees associated with my Direct Federal Visa®?

If your payments are on time, there are no fees.

Visa Credit Card Agreement (Consumer)

How do the Home Equity Fixed Rate Options work?

This feature is for existing Home Equity Line of Credit (HELOC) only. You cannot get a Fixed-Rate Option without first having a Home Equity Line of Credit. However, a HELOC can be converted to a Fixed Rate Carve Out during the initial HELOC closing.

The HELOC limit will be reduced by the amount of the fixed rate loan, but once it is paid off, the limit will replenish. Terms available: 5, 10, 15, and 20 years.  There are no fees associated with a Home Equity Fixed Rate Carve Out.

Maximum number of Fixed-Rate Carve Outs: 3

We do not pull credit for carve outs.

How can I get cash advances using my Direct Federal Visa®?

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network. You can also transfer cash advance funds from your credit card to a Direct Federal savings, checking, or money market account. Direct does not charge a cash advance fee.

Do you offer Youth Accounts?

Applicants under 18 require a joint owner on the account.

Can I Use Zelle Internationally?

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

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.

What if I or the RMV lose my Title while doing a state or name change?

One of the following must be done if you have lost or misplaced the title that was mailed to you while the loan is still open:

Contact Direct Federal at 888.2DIRECT to request a duplicate title. Processing time will depend on the RMV. You will be responsible for the state’s duplicate title fee.

Contact your state’s RMV if you live in an owner retained title state for a duplicate title. You will be responsible for the state’s duplicate title fee.

I authorized a check over the phone, why do I not see the check copy?

In some cases merchants do not submit the physical check for payment.  The check is converted into an electronic check (eCheck).  This is also known as a digital version of a paper check (Image replacement Document).  eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

How are CD dividends compounded?

CD dividends are compounded daily and posted monthly.

Do you offer SBA loans?

Yes, we offer SBA loans!

Request more information >

Who can I send money to with Zelle

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your Direct Federal Credit Union account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither Direct Federal Credit Union nor Zelle® offers purchase protection for payments made with Zelle®- for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

How do I set up Recurring Payments?

Login to Digital Banking and access the transfers widget. After choosing your account and loan from the dropdown menus, you can then specify the frequency for your recurring payments.

Login to Digital Banking >

What documentation is required to close a home equity loan or line?

Required documentation will include but is not limited to: an insurance binder or insurance declaration page, income verification, mortgage statement, and valid license or identification.

What is the HELOC Early Termination fee?

$395 if the line is closed during the first two years.

What is Direct Federal's lienholder information?

Direct Federal Credit Union

50 Cabot Street
Needham, MA 02494

What is the home equity line repayment period?

At the end of your 15-Year Draw Period, you will enter the Repayment Period. The Repayment Period is 15 years of principal and interest. The rate remains variable based on your Home Equity agreement.

Is there a credit card cash advance fee?

There is no cash advance fee.

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.

How can I upload proof of insurance for my vehicle?
What does it mean to have a returned check?

A Returned Deposited Item (RDI) -  is a check that has been returned to a depositor because it could not be processed against the account which it was drawn on.  Deposited items can be returned for many reasons, such as insufficient or unavailable funds (funds on hold), stop payment, closed account, missing signature, etc.

Is there a credit card foreign transaction fee?

1% of each transaction in US dollars.

Where do HELOC closings take place?

HELOC closings take place at our Branch located in Needham, MA.

What happens after my mortgage application is approved?

Once you’ve submitted your application, you will have a personal Mortgage Specialist follow up with you to provide additional help and guidance. Your Mortgage Specialist will be your single point of contact from here. He or she will send you an approval letter, order an appraisal from a licensed appraiser familiar with home values in your area, and prepare your loan for closing. The closing will take place at the office of our attorney in your area, who will act as our agent. Before closing, your Mortgage Specialist will contact you to walk through the final information and answer any questions you might have.

Is my information secure using Zelle?

Keeping your money and information safe is a top priority for Direct Federal Credit Union. When you use Zelle® within our mobile app​, your information is protected with the same technology we use to keep your Direct Federal Credit Union account safe.

How can I get my 1099 Tax Forms online?

Your IRS forms will be available under Statements within Digital Banking.

View Statements >

What does my credit score need to be to qualify for a mortgage?

Different Mortgage programs will have varying qualifications. Please contact a mortgage specialist to discuss your options.

Send message to Mortgage Specialist >

Do you offer foreign currency exchange?

We do not offer foreign currency exchange services at this time.

How can I get in touch via email?

If you'd like to get in touch with us via message, please utilize our secure Message Center in Digital Banking.

Log in to access Message Center >

What is "ACH"?

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.

What is the credit limit on a Direct Federal Visa®?

You can apply for a credit limit of up to $25,000.

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.

Are there closing costs for a HELOC?

There are no closing costs.

What should I do when an unauthorized check clears my account?

Speak to a Direct Federal Member Service Representative. This can be done by visiting the branch or calling us at 781-455-6500. Once it is established that the item is unauthorized, an affidavit of forgery needs to be completed and either mailed to Direct Federal or taken into the branch for processing. Once the process is complete, the funds will be returned to your account.

Affidavit of Forgery

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 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 >