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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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Do you have safety deposit boxes?

We currently do not offer safety deposit boxes at this time.

Is live chat still available on the app?

Yes! You can start a chat with us by clicking on the text bubble icon on the login page and the dashboard

How long will it take to receive my Direct Federal Visa® card?

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

Can I request a stop payment on a check online?

You can submit a Stop Payment Request through Online Banking via Tools > Check Services.

Submit Stop Payment Request >

Can I add more money to my CD account?

Funds cannot be added to an existing CD Share Certificate.

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

View our banking account options >

Do you offer loans for commercial/business vehicles?

Yes, we do finance commercial vehicles!

View Business Loans >

What does it mean to have a returned check?

A Returned Deposited Item (RDI) -  is a check that has been returned to a depositor because it could not be processed against the account which it was drawn on.  Deposited items can be returned for many reasons, such as insufficient or unavailable funds (funds on hold), stop payment, closed account, missing signature, etc.

How do I apply for a mortgage?

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

Why use a HELOC?

Home Equity Lines of Credit combine flexibility with lower rates than most unsecured loans. You only pay interest on the portion of the line you actually use.

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