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Monthly dividends are available for withdrawal without penalty.

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

Speak to a Direct Federal Member Service Representative. This can be done by visiting the branch or calling us at 781-455-6500. Once it is established that the item is unauthorized, an affidavit of forgery needs to be completed and either mailed to Direct Federal or taken into the branch for processing. Once the process is complete, the funds will be returned to your account.

Affidavit of Forgery

Your account will not be debited until the payment has been either delivered electronically or until the check is cashed.Reminder will be sent at 60 days if the check remains undeposited. Should an undeposited check extend to 90 days, Bill Pay will automatically void the check and refund the money to the member’s account at no charge.

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

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

We currently do not offer 529 plans.

‍View our banking account options >

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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HELOC closings take place at our Branch located in Needham, MA.

50 Cabot St. Needham, MA 02494

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.