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HELOC closings take place at our Branch located in Needham, MA.

At  maturity, Share Certificates (CD) will rollover into the same term at the  current rate being offered, unless Direct Federal is notified prior to  maturity or during the 7-day grace period.

If you'd like to get in touch with us via message, please utilize our secure Message Center in Digital Banking.

‍Log in to access Message Center >

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

Visa Credit Card Agreement (Consumer)

Money Market dividends are are compounded monthly, and posted monthly.

You will receive three letters notifying you that your title, with Direct Federal listed as lienholder, has not been received. If the title is not received within 90 days of your loan funds being disbursed, your interest rate may be increased to 18.00% APR (Annual Percentage Rate). Once we receive the perfected title, we will revert the rate to the rate on your loan agreement. This will not affect your credit history.

You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.
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Depending on the assessed value of your home, and the amount of equity you have in it, you may be eligible to refinance/increase your existing Direct Federal Home Equity Line. Home Equity Line Refinances/Increases have a $295 fee.

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

Submit Credit Card Limit increase request >

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

View Payment Options

We offer a variety of options to pay a Direct Federal Loan or Line of Credit.
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View payment options for Direct Federal Loans and Lines >

Direct Federal Credit Union
ISAOA/ATIMA

P.O. Box 2092

Carmel, IN 46082