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CD dividends are compounded daily and posted monthly.

Funds cannot be added to an existing CD Share Certificate.

Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.

Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # to your specific fraud alert.

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We currently do not offer VA loans.

Yes, you will need to submit a HELOC application and select "Home Equity Increase (Refinance)" as the purpose.

Home Equity Line Refinances/Increases have a $295 fee.

Click here to apply to refinance/increase your existing Home Equity Line >

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If you are adding, changing, or removing a name on the title, you can submit a name change request through Online Banking or by calling our Contact Center at 888.2DIRECT.

IMPORTANT: Direct Federal cannot process the name change for you. You must complete this process with the applicable RMV.

This request allows us to print/prepare the title so you can process the name change at the RMV. We will mail the title and permission letter to the address you have on file with us. Then bring those documents to your RMV so they can process the name change and send the title back to us.

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

One of the following must be done if you have lost or misplaced the title that was mailed to you while the loan is still open:

Contact Direct Federal at 888.2DIRECT to request a duplicate title. Processing time will depend on the RMV. You will be responsible for the state’s duplicate title fee.

Contact your state’s RMV if you live in an owner retained title state for a duplicate title. You will be responsible for the state’s duplicate title fee.

Upon confirming that a transaction is valid, you may retry the transaction immediately.