Learn

Explore a range of great resources designed to provide the insights and information you need to bank more knowledgeably and confidently.

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knowledge

Enhance Your Financial Wellness

Find an array of tips, tools, and techniques to enhance your money management skills and help ensure a more secure financial future.

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security

Protecting Your Identity

Safeguard yourself against identity theft and fraud with the latest professional advice and proven strategies.

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INSIGHTS & INFORMATION

Latest Blog Posts

Stay informed with an array of insightful articles and updates on personal finance, industry trends, and more.

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Article

January 27, 2026

National Financial Wellness Month: Start 2026 With Mindful Money Management.

Article

December 9, 2025

The Core Four: Making Security Simple

Article

November 24, 2025

Staying Scam-Smart This Holiday Season: What You Need to Know

Stay Informed

Latest News & Announcements

Keep up to date with the latest developments at Direct Federal, and read about recent community initiatives and events.

Announcement

January 9, 2026

Delayed Opening Notice – Wednesday, January 14

Press Release

November 12, 2025

Direct Federal Offers Direct Cares Program to Support Members and Community Amid Government Shutdown

Press Release

August 20, 2025

Direct Federal Credit Union Earns Award for Excellence in Leadership Development

Announcement

June 6, 2025

Own Your Path: Self-Advocacy and Self-Care with The Ellie Fund

Press Release

May 30, 2025

Direct Federal Awards Karolina Brinkhaus The Dave Johnson Leadership Scholarship

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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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How much can I borrow for my auto loan?

You can borrow 120% of the value of your car (subject to our maximum auto loan limit of $100,000). This allows you to finance the entire purchase price, plus GAP insurance and the sales tax.

Is there a balance transfer fee for credit cards?

There are no balance transfer fees.

Do you offer Youth Accounts?

Applicants under 18 require a joint owner on the account.

What is the credit limit on a Direct Federal Visa®?

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

How do I transfer a balance to my credit card?

Log in to Online Banking or our Mobile App Hover over Menu item "Tools"Select "Card Management"Select your Visa Credit Card. Select "Balance Transfer", input Card Issuer Details and Submit!

Transfer Balance Now >

How can I make sure my mobile app stays up to date?

You can ensure that you're on the newest app version available by turning on automatic updates in your device settings

Why am I receiving a fraud alert?

Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.

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Can I get the introductory rate on my existing Home Equity Line of Credit?

Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.

How are CD dividends compounded?

CD dividends are compounded daily and posted monthly.

Is live chat still available on the app?

Yes! You can start a chat with us by clicking on the text bubble icon on the login page and the dashboard

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