Borrow Rates
Prime Rate
Home Equity Line of Credit (HELOC)
Introductory Rate of the Wall Street Journal U.S. Prime Rate minus 1.51% for the first six (6) statement cycles. After 6 statement billing cycles, the rate and APR revert to the rate of Prime minus .50% for the remainder of the life of the Line. No promotional rates are offered on Second Home or Investment property types. We calculate the Introductory FINANCE CHARGE by multiplying each daily balance of your account by a daily periodic rate of 0.01915% (ANNUAL PERCENTAGE RATE 5.74%), subject to adjustment as provided below, and then by adding together the products of all the daily calculations in the billing period. The sum of this calculation is your finance charge for that billing cycle. All standard HUB Checking Account terms and conditions apply. Auto pay from HUB Checking Account is required to receive introductory rate. This introductory rate is available for new home equity lines only. Increases/refinances of an existing HELOC at Direct Federal do not qualify.
The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to The Wall Street Journal Prime Rate minus 0.50%, subject to a minimum rate of 3.00% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 10/31/2025 was 7.00%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum combined loan-to-value is 80%. A $395 fee will be assessed if the line is closed within the first two years. Rates are subject to change. Property insurance will be required. Subject to credit approval.
The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal Prime Rate (the Index) minus .50% (the Margin), subject to a minimum rate of 3.00% and a maximum rate of 18.00%, or the maximum rate permitted by law, whichever is less. Rate can change monthly. All HELOC’s have a 15 Year Draw period and a 15 Year Repayment period. For this rate, the Line must be secured by a 1-4 Family Residential Home or Condo. Primary residences only. Maximum LTV is 80%. Maximum Line amount is $500,000. Prime rate as of 10/31/2025 is 7.00%. All rates subject to change without notice. Property insurance required. Subject to Credit Approval, other conditions may apply.
Equity is determined based on the current year assessed value. An appraisal will be required for Line amounts greater than or equal to $400,000. The appraisal is paid for by the applicant. Appraisal fees can range from $500 to $1,100 (or greater depending upon the property type).
Homes in a trust will require a trust review (to determine it meets our required guidelines). Any fees incurred for the trust will be paid by the applicant.
Auto Loans
model year
The APR is effective as of 10/29/2025 and subject to change. Maximum loan amount is $100,000.00. Maximum loan-to-value for gas and hybrid vehicles is 120% and for electric vehicles is 75%. Maximum loan-to-value for Tier 4 borrowers is 100% (No Exceptions). Loan-to-value maximums includes full purchase price plus sales tax. Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval.
Visa® Credit Card
RAte Type
Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 8.74%. The 8.74% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance.
Annual Percentage Rate (APR) based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% or 10.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index").
Cash Back applies to purchases posted on your account less credits for returned merchandise. Rebate cash value of $.01 will be earned for every qualifying dollar. Minimum of $50 rebate required for redemption. Rebates will be redeemed every November.
Mortgage Loans
Type
Single Family up to $806,500, 2 Unit up to $1,032,650, 3 Unit up to $1,248,150, 4 Unit up to $1,551,250. Call for our increased loan limits in designated High-Cost Areas.
Annual Percentage Rate (APR). The interest rate and APR are subject to change. Your actual rate will depend on various factors including, but not limited to, loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size. Mortgage loans cannot exceed $2,000,000.00. Assumes 20% down and 0 points. Subject to credit approval.
Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 50% or less, a credit score of 800 or higher, based on a loan term displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
Payments shown to not include taxes or insurance. Your payment may be greater.
Personal Loans
The standard APR range 12.99% to 17.74% is based on credit worthiness. Maximum loan amount $25,000. Available terms (12 to 60 months). The term selected may impact your monthly payment amount and total cost of the loan. Payments due monthly. No prepayment penalties. Borrowers may pay off their loan early without incurring additional fees. Applicants must meet Direct Federal Credit Union’s membership requirements. Loan approval is subject to verification of income, creditworthiness, and other underwriting criteria.