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Log in to Online Banking or our Mobile App Hover over Menu item "Tools"Select "Card Management"Select your Visa Credit Card. Select "Balance Transfer", input Card Issuer Details and Submit!

Transfer Balance Now >

If you want flexibility and ongoing access to funds, a Home Equity Line of Credit (HELOC) may be the better fit. If you prefer a fixed payment and know exactly how much you need, a Home Equity Loan (HELOAN) may make more sense.

HELOC
Best for ongoing or uncertain expenses. Variable interest rate.

HELOAN
Best for one-time projects/lump sum upfront. Fixed interest rate.

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We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

Visa Credit Card Agreement (Consumer)

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

One of the following must be done if you have lost or misplaced the title that was mailed to you while the loan is still open:

Contact Direct Federal at 888.2DIRECT to request a duplicate title. Processing time will depend on the RMV. You will be responsible for the state’s duplicate title fee.

Contact your state’s RMV if you live in an owner retained title state for a duplicate title. You will be responsible for the state’s duplicate title fee.

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

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

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

1% of each transaction in US dollars.

Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".