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The following must be done if you have lost or misplaced your title after the vehicle loan is paid in full and our lien is released:

Bring the paid loan letter, which includes the lien release statement, to your RMV to request a new title.  

You will be responsible for all fees. The RMVs does not allow Direct Federal to apply for a duplicate title on your behalf since we are no longer a lienholder.

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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We currently do not offer land loans but please check back in with us in the future!

You can reset your password.

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

We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

Visa Credit Card Agreement (Consumer)

We are  federally Insured by the NCUA. The National Credit Union Share Insurance Fund  was created by Congress in 1970 to insure members' deposits in federally  insured credit unions. Each credit union member has at least $250,000 in total coverage in individual accounts.

The  Share Insurance Fund also separately protects members’ IRA accounts up to  $250,000 and provides additional coverage for members’ trust accounts.

The  Share Insurance Fund has the backing of the full faith and credit of the  United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.

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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.

There are no closing costs.

If you are adding, changing, or removing a name on the title, you can submit a name change request through Online Banking or by calling our Contact Center at 888.2DIRECT.

IMPORTANT: Direct Federal cannot process the name change for you. You must complete this process with the applicable RMV.

This request allows us to print/prepare the title so you can process the name change at the RMV. We will mail the title and permission letter to the address you have on file with us. Then bring those documents to your RMV so they can process the name change and send the title back to us.

The Draw Period is the period of time you can access funds from your Home Equity Line. Direct offers a 15-year draw period with interest-only monthly payment options.