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Agree to receive your monthly statement through email (e-Statements)
AND

• One direct deposit into your account a month
  OR
• Five or more debit card transactions per calendar month.
  (Excludes ATM + Zelle transactions)

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When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

Visa Credit Card Agreement (Consumer)

Money Market dividends are are compounded monthly, and posted monthly.

Yes, Direct Federal will allow properties that are placed in acceptable trusts.  The trust must be reviewed by our Attorney and must meet all of our guidelines and requirements for the transaction to move forward.  The applicant will need to provide a full copy of the Trust agreement for review.  The applicant must be the trustee or one of the co-trustees.  All trustees must be 18 years of age or older.  Additionally, the trustee must be authorized to borrow money and encumber real estate.

If you realize you need more money to finance your purchase once you start shopping for your car, simply call us at 781.455.6500.

Required documentation will include but is not limited to: an insurance binder or insurance declaration page, income verification, mortgage statement, and valid license or identification.

Prepayment is allowed at any time without penalty. If you pay-off the balance and decide to close the line within the first two years, you will be charged a $395 Early Termination Fee.

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)