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Latest News & Announcements
Direct Federal Offers Direct Cares Program to Support Members and Community Amid Government Shutdown
Read MoreDirect 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
Direct Federal Awards Cailyn Kim the Donald Kelliher Diversity, Equity and Inclusion Scholarship
Frequently Asked Questions
It takes about five minutes to apply and you will have an answer within one business day.
Yes, we do finance commercial vehicles!
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Login to Digital Banking and access the transfers widget. After choosing your account and loan from the dropdown menus, you can then specify the frequency for your recurring payments.
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Direct Federal lends on properties located in the following locations:
Massachusetts Counties: Norfolk, Middlesex, Suffolk, Plymouth, Essex, Bristol, Worcester, and Barnstable
Rhode Island Counties: All Counties in Rhode Island
New Hampshire Counties: Rockingham, Hillsborough, and Cheshire
If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.
If you are not a member, please visit our Application Status Center.
If you'd like to get in touch with us via message, please utilize our secure Message Center in Digital Banking.
Log in to access Message Center >
Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".
Once you’ve submitted your application, you will have a personal Mortgage Specialist follow up with you to provide additional help and guidance. Your Mortgage Specialist will be your single point of contact from here. He or she will send you an approval letter, order an appraisal from a licensed appraiser familiar with home values in your area, and prepare your loan for closing. The closing will take place at the office of our attorney in your area, who will act as our agent. Before closing, your Mortgage Specialist will contact you to walk through the final information and answer any questions you might have.
In some cases merchants do not submit the physical check for payment. The check is converted into an electronic check (eCheck). This is also known as a digital version of a paper check (Image replacement Document). eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.
1. You can opt out of text alerts by replying “STOP” to the text message
2. You can opt out of phone calls when the alert system calls you.
3. Click on the Unsubscribe link in the email to stop the emails.
4. Contact our Call Center to ask to stop receiving fraud alerts.
5. Visit a branch to ask to stop receiving fraud alerts.
Related Resources
Access our library of useful documents, forms, and educational materials to support your financial journey.
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