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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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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 HELOC Early Termination fee?

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

When is the dividend rate in effect?

Dividends start to accrue on the date the  account is funded.

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.

Are there closing costs for a HELOC?

There are no closing costs.

What is a Home Equity Line of Credit (HELOC)?

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home. It lets you borrow what you need, when you need it, up to your approved credit limit. During the draw period, you typically make interest‑only payments on what you’ve borrowed. Once the draw period ends, the remaining balance transitions into repayment over a set term.

What is the "normal" interest rate on a Direct Federal Visa®?

Rates vary based on your creditworthiness. The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

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.

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.

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 >

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