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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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What does my credit score need to be to qualify for a mortgage?

Different Mortgage programs will have varying qualifications. Please contact a mortgage specialist to discuss your options.

Send message to Mortgage Specialist >

Do you offer foreign currency exchange?

We do not offer foreign currency exchange services at this time.

What happens if interest rates change between the time I apply and the time I purchase a vehicle?

If rates rise from the time you apply until the time you use your loan, you will get the lower rate that was in effect when you applied. If rates fall from the time you apply until the time you use your loan, you will get the lower rate in effect at the time of purchase.

Is there a credit card cash advance fee?

There is no cash advance fee.

Do you offer motorcycle loans?

We do not offer motorcycle loans at this time, but click below to learn more about what personal loans and lines of credit we offer!

View Home Equity >

View Personal Loans >

View Credit Cards >

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

View our banking account options >

What if I lose my Title after my loan is paid in full?

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.

Do you charge to use the coin machine at the branch?

We do not charge for the coin machine but you must be a member to use it.

The coin machine is available Monday-Friday (8am-3pm) and Saturday (8am-12pm).

Please contact us at 888.2DIRECT if you plan on coming into the Branch to use the coin machine.

How can I get my 1099 Tax Forms online?

Your IRS forms will be available under Statements within Digital Banking.

View Statements >

How long does it take to apply and receive a decision for a HELOC?

It takes about five minutes to apply and you will have an answer within one business day.

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