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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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What if I forgot my username?

Please call us at 888.2DIRECT.

How do I log in for the first time?
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 long is the payment grace period for a HELOC?

The Home Equity grace period is 10 days.

What is considered a "new auto" versus a "used auto"?

New Retail Auto:
New Retail Autos are defined as vehicles from the current or previous model year. Also, a vehicle is considered new if it has not been previously titled or has fewer than 7,500 miles (i.e. dealer demonstrators).

Used Retail Auto:
Used Retail Autos are defined as vehicles no more than eight model years removed from the definition of new.

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.

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 get pre-approved?

Submit an application online or call to speak with Mortgage Loan Officer.

What is Direct Federal's lienholder information?

Direct Federal Credit Union

50 Cabot Street
Needham, MA 02494

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.


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