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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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Do you offer loans for commercial/business vehicles?

Yes, we do finance commercial vehicles!

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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.

How do you calculate my credit card balance?

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)

How do I set up Recurring Payments?

Login to Digital Banking and access the transfers widget. After choosing your account and loan from the dropdown menus, you can then specify the frequency for your recurring payments.

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How do I get free checks?

You can get free checks with a Hub or Community checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through online banking, our member service center, or in the branch.

Are the HELOC calculator results guaranteed?

No. Calculator results are estimates provided for informational purposes only and do not represent a loan offer or approval. Actual rates, payments, and terms are based on a full application review and may vary.

How do I make a payment on my Direct Federal Loan from a Direct Federal Account?

To make a payment to your Direct Federal Loan from a Direct Federal Account, navigate to the “Transfers” feature. For the most payment options, including Principal only payments, click on the “Classic” tab. From there you will be able to select which account you want the payment to come from, which loan it should go to, how much you want to pay, and other payment options.

What is "ACH"?

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.

Can I pay my Direct Federal Visa® bill online?

Yes. You may pay your Direct Federal Visa bill online using any checking account.

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Where can my property be located for a mortgage or home equity line of credit?

‍Direct Federal lends on properties located in the following locations:

Massachusetts Counties – Barnstable, Bristol, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester County.

New Hampshire – All Counties in New Hampshire.

Rhode Island – All Counties in Rhode Island.

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