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If your payments are on time, there are no fees.

Visa Credit Card Agreement (Consumer)

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

Our Routing & Transit Number is: 211381783

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

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

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Possible  reasons for the difference in balance and available balance could be as  follows:

-SAME-DAY AVAILABILITY

Funds from the following deposits are available on the day of deposit:

• Cash.

• Electronic deposits, including wire transfers and pre-authorized credits (such as social security benefits and payroll payments), but not including check deposits sent to the Credit Union through Mobile Deposit.

• Checks drawn on Direct Federal Credit Union.

• The lesser of (1) $1000 or (2) all other deposits (except Foreign Checks).

NEXT-DAY AVAILABILITY

Funds from the following deposits are available on the first business day after the day of deposit:

• Checks drawn on the United States Treasury and payable to you

• The following checks, if they are payable to you and are deposited in person at a branch: • Commonwealth of Massachusetts and local government checks

• Cashier’s, certified, and teller’s checks

• Checks drawn on a Federal Reserve Bank or a Federal Home Loan Bank

• U.S. Postal Money Orders

SECOND-DAY AVAILABILITY

Funds from the following deposits are available on the second business day after the day of deposit:

• The following checks, if they are not payable to you and/or are not deposited in person at a branch: • Commonwealth of Massachusetts and local government checks

• Cashier’s, certified, and teller’s checks

• Checks drawn on a Federal Reserve Bank or a Federal Home Loan Bank

• U.S. Postal Money Orders

• The lesser of (1) all other deposits (except Foreign Checks) or (2) the first $5,000 of all deposits you made that day minus any portion of such amount that has already been made available to you.

FIFTH-DAY AVAILABILITY

All other deposits (except Foreign Checks) will be available no later than the fifth business day after the day of your deposit.

LONGER DELAYS MAY APPLY    

-Pending  transactions have yet to post to the account.

In some cases merchants do not submit the physical check for payment.  The check is converted into an electronic check (eCheck).  This is also known as a digital version of a paper check (Image replacement Document).  eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

1% of each transaction in US dollars.

The Draw Period is the period of time you can access funds from your Home Equity Line. Direct offers a 15-year draw period with interest-only monthly payment options.

Our live chat platform supports the talk-to-text (dictation) feature available on your smart device. To use talk-to-text to chat with one of our live associates click on the “live chat” button found on the bottom left of your screen. Upon establishing a connection with a live chat associate, you may initiate the use of the talk-to-text feature.

The method for accessing the talk-to-text feature on your device's keyboard may vary depending on the type of smart device you are using. To assist you in locating the talk-to-text feature on your device, we have provided additional resources below.

Click here for Apple Keyboard
Click here for Google assistant (gboard)

*Other keyboards may support this feature. Contact your phone provider for additional assistance.

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