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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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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.

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.

Do you have safety deposit boxes?

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

Do you offer student loans?

We do not offer Student 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 >

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

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

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.

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 >

Can I withdraw my CD dividends?

Monthly dividends are available for withdrawal without penalty.

Why use a HELOC?

Home Equity Lines of Credit combine flexibility with lower rates than most unsecured loans. You only pay interest on the portion of the line you actually use.

Do you offer land loans?

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

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