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Protecting Your Identity

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INSIGHTS & INFORMATION

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Stay informed with an array of insightful articles and updates on personal finance, industry trends, and more.
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Keep up to date with the latest developments at Direct Federal, and read about recent community initiatives and events.
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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 there a balance transfer fee for credit cards?

There are no balance transfer fees.

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 your Fax number?

Our fax number is 781-433-2922.

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.

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 >

Where can I find my account number online?

You can find your account numbers within Digital Banking under Account Details.

View Account Information >

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.

What is the difference between a HELOC and HELOAN?

If you want flexibility and ongoing access to funds, a Home Equity Line of Credit (HELOC) may be the better fit. If you prefer a fixed payment and know exactly how much you need, a Home Equity Loan (HELOAN) may make more sense.

HELOC
Best for ongoing or uncertain expenses. Variable interest rate.

HELOAN
Best for one-time projects/lump sum upfront. Fixed interest rate.

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.

Is there a credit card foreign transaction fee?

1% of each transaction in US dollars.

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