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Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Direct's fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

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The amount you can borrow depends on the property type and the equity you have in your home.

Primary Residences: Up to 80% Combined Loan-To-Value (CLTV). Any amount between $20,000 and $500,000.

Second Home and Investment Properties: Up to 70% Combined Loan-To-Value (CLTV). Any amount between $20,000 and $200,000.

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

Login to Digital Banking and access the transfers widget. After choosing your account and loan from the dropdown menus, you can then specify the frequency for your recurring payments.

Login to Digital Banking >

Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.

Possible  reasons for the difference in balance and available balance could be as  follows:

-SAME-DAY AVAILABILITY

Funds from the following deposits are available on the day of deposit:

• Cash.

• Electronic deposits, including wire transfers and pre-authorized credits (such as social security benefits and payroll payments), but not including check deposits sent to the Credit Union through Mobile Deposit.

• Checks drawn on Direct Federal Credit Union.

• The lesser of (1) $1000 or (2) all other deposits (except Foreign Checks).

NEXT-DAY AVAILABILITY

Funds from the following deposits are available on the first business day after the day of deposit:

• Checks drawn on the United States Treasury and payable to you

• The following checks, if they are payable to you and are deposited in person at a branch: • Commonwealth of Massachusetts and local government checks

• Cashier’s, certified, and teller’s checks

• Checks drawn on a Federal Reserve Bank or a Federal Home Loan Bank

• U.S. Postal Money Orders

SECOND-DAY AVAILABILITY

Funds from the following deposits are available on the second business day after the day of deposit:

• The following checks, if they are not payable to you and/or are not deposited in person at a branch: • Commonwealth of Massachusetts and local government checks

• Cashier’s, certified, and teller’s checks

• Checks drawn on a Federal Reserve Bank or a Federal Home Loan Bank

• U.S. Postal Money Orders

• The lesser of (1) all other deposits (except Foreign Checks) or (2) the first $5,000 of all deposits you made that day minus any portion of such amount that has already been made available to you.

FIFTH-DAY AVAILABILITY

All other deposits (except Foreign Checks) will be available no later than the fifth business day after the day of your deposit.

LONGER DELAYS MAY APPLY    

-Pending  transactions have yet to post to the account.

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.

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Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.

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.

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Yes, we offer SBA loans!

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