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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 is the minimum or maximum home equity line amount I can apply for?

With Direct Federal, you can open a Home Equity Loan or Line for:

Primary Residences: Any amount between $20,000 and $500,000.

Second Homes and Investment Properties: Any amount between $20,000 and $200,000.

How long will it take to receive my Direct Federal Visa® card?

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

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.

What are my credit card billing rights?

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

Visa Credit Card Agreement (Consumer)

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.

Why does it say it will take 10 days to send my Bill Payment?

The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

How do I log in for the first time?
What happens if I did not reply to a fraud alert whether via Email, Text or Phone?

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

Can I add more money to my CD account?

Funds cannot be added to an existing CD Share Certificate.

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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