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Completing your mortgage application online is just like completing one on paper — with the added benefit of being able to complete it anytime, anywhere. Plus, at any time, you may stop and save your application; then return to it later. Expect your application to take about 15 minutes to complete. A series of prompts and helpful tips will guide you through each screen to help you through each stage of the application process, which includes the following steps:

Start App – You’ll be asked to select a username and password to ensure security and privacy. Create and enter your username and password here and make a note of them for your records.

Loan Details – Enter the address, price and other information related to the property.

Personal Info – Provide the name, date of birth and social security number for EACH borrower.

Employment Income – Tell us about your current employment situation, including gross income and any additional income you may receive.

Expenses – What is your current monthly expense for housing?

Asset Info – Provide a list of your financial assets, including bank accounts and investments, in order to verify that you have access to sufficient funds to complete the transaction.

Submit App – After a few final questions, simply submit the application to Direct Federal and a mortgage specialist will follow up with you

You can send, request, or receive money with Zelle®. To get started, log into the Direct Federal Credit Union App​. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Direct Federal Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Click on link provided in the payment notification you received via email or text message.
2. Select Direct Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

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

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View Home Equity >

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View Credit Cards >

We currently do not offer FHA loans.

You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, ie., email address, cell phone, home phone, work phone, etc.

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The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.

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

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View Home Equity >

View Personal Loans >‍

View Credit Cards >

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

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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