Learn
Enhance Your Financial Wellness
Protecting Your Identity
Latest Blog Posts
.png)
Latest News & Announcements
Direct Federal Offers Direct Cares Program to Support Members and Community Amid Government Shutdown
Read MoreDirect Federal Credit Union Earns Award for Excellence in Leadership Development
Own Your Path: Self-Advocacy and Self-Care with The Ellie Fund
Direct Federal Awards Karolina Brinkhaus The Dave Johnson Leadership Scholarship
Direct Federal Awards Cailyn Kim the Donald Kelliher Diversity, Equity and Inclusion Scholarship
Frequently Asked Questions
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. 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 >
We offer a variety of options to pay a Direct Federal Loan or Line of Credit.
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.
Dividends start to accrue on the date the account is funded.
We currently do not offer 529 plans.
View our banking account options >
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.
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.
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.
1% of each transaction in US dollars.
It takes about five minutes to apply and you will have an answer within one business day.
Related Resources
Access our library of useful documents, forms, and educational materials to support your financial journey.
Interested in a loan?
