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Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Direct Federal Credit Union App​ using just their email address or U.S. mobile number.

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.

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 >

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1. You can opt out of text alerts by replying “STOP” to the text message

2. You can opt out of phone calls when the alert system calls you.

3. Click on the Unsubscribe link in the email to stop the emails.

4. Contact our Call Center to ask to stop receiving fraud alerts.

5. Visit a branch to ask to stop receiving fraud alerts.

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Yes. Most HELOCs have variable interest rates that can change based on the Prime Rate. A rate change will affect your monthly payment.

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You can reset your password.

Reset Password >

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If you are locked out of your account please call us at 888.2DIRECT.

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.

‍Direct Federal lends on properties located in the following locations:

‍Massachusetts Counties – Barnstable, Bristol, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester County.

New Hampshire – All Counties in New Hampshire.

Rhode Island – All Counties in Rhode Island.

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

You can update your contact information by updating your account profile in Digital Banking, by calling Member Services, or by visiting our branch.

Update in Digital Banking >

Final payments may differ due to changes in the Prime Rate, approved loan amount, property value, credit profile, or selected repayment options.