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Please call us at 888.2DIRECT.

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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.

When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

Yes! The Joint account holder can create their own user login.

The Home Equity grace period is 10 days.

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.

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.

Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".

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 >

We currently do not offer VA loans.