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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 "normal" interest rate on a Direct Federal Visa®?

Rates vary based on your creditworthiness. The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

When is the dividend rate in effect?

Dividends start to accrue on the date the  account is funded.

What documentation is required to close a home equity loan or line?

Required documentation will include but is not limited to: an insurance binder or insurance declaration page, income verification, mortgage statement, and valid license or identification.

Do you offer foreign currency exchange?

We do not offer foreign currency exchange services at this time.

How can I increase my credit limit?

You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.

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 >

How do I get pre-approved?

Submit an application online or call to speak with Mortgage Loan Officer.

What is the home equity line repayment period?

At the end of your 15-Year Draw Period, you will enter the Repayment Period. The Repayment Period is 15 years of principal and interest. The rate remains variable based on your Home Equity agreement.

What types of vehicles can I finance?

You may finance automobiles, SUVs, pickup trucks, and minivans for consumer use. For commercial vehicles, visit the Business Loans page.

Will I get fraud alerts while I am traveling domestically/internationally?

If you are travelling within the U.S., you will receive phone calls, text messages and emails. If you are travelling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.

How can I get my 1099 Tax Forms online?

Your IRS forms will be available under Statements within Digital Banking.

View Statements >

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