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INSIGHTS & INFORMATION

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Stay informed with an array of insightful articles and updates on personal finance, industry trends, and more.
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Keep up to date with the latest developments at Direct Federal, and read about recent community initiatives and events.
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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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I accidentally responded to an alert that a fraudulent transaction was valid. What do I do now?

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

Can I get the introductory rate on my existing Home Equity Line of Credit?

Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.

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 can I check the status of an application?

If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.

Check Status as a Member >


If you are not a member, please visit our Application Status Center.

Check Application Status >

What is the Recording fee for a HELOC?

$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.

Can I add more money to my CD account?

Funds cannot be added to an existing CD Share Certificate.

Do you offer land loans?

We currently do not offer land loans but please check back in with us in the future!

What if I want to send money to someone whose bank or credit union doesn't offer Zelle

You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com.

If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

How can I upload proof of insurance for my vehicle?
Are there any fees associated with my Direct Federal Visa®?

If your payments are on time, there are no fees.

Visa Credit Card Agreement (Consumer)

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