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Latest News & Announcements
Direct Federal Offers Direct Cares Program to Support Members and Community Amid Government Shutdown
Direct Federal Credit Union Earns Award for Excellence in Leadership Development
Own Your Path: Self-Advocacy and Self-Care with The Ellie Fund
Direct Federal Awards Karolina Brinkhaus The Dave Johnson Leadership Scholarship
Frequently Asked Questions
We do not offer Student loans at this time, but click below to learn more about what personal loans and lines of credit we offer!
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If you are adding, changing, or removing a name on the title, you can submit a name change request through Online Banking or by calling our Contact Center at 888.2DIRECT.
IMPORTANT: Direct Federal cannot process the name change for you. You must complete this process with the applicable RMV.
This request allows us to print/prepare the title so you can process the name change at the RMV. We will mail the title and permission letter to the address you have on file with us. Then bring those documents to your RMV so they can process the name change and send the title back to us.
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home. It lets you borrow what you need, when you need it, up to your approved credit limit. During the draw period, you typically make interest‑only payments on what you’ve borrowed. Once the draw period ends, the remaining balance transitions into repayment over a set term.
Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.
Yes, Direct Federal will allow properties that are placed in acceptable trusts. The trust must be reviewed by our Attorney and must meet all of our guidelines and requirements for the transaction to move forward. The applicant will need to provide a full copy of the Trust agreement for review. The applicant must be the trustee or one of the co-trustees. All trustees must be 18 years of age or older. Additionally, the trustee must be authorized to borrow money and encumber real estate.
For primary residences, eligible borrowers may access up to 80% of their home’s combined loan‑to‑value (CLTV).
Please call us at 888.2DIRECT.
Our fax number is 781-433-2922.
Any phone numbers that Direct Federal has in your records may be sent alerts.
Your IRS forms will be available under Statements within Digital Banking.
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