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Frequently Asked Questions

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What information needs to be on the Title?

Once you get your title, there may be some changes that need to be made before the title is ready to be given to Direct Federal. Please do not write on your title, as this will void the title. In the Names and Mailing Address of Owners section, it must list you as the owner and your current address. If the title application with the RMV is completed properly, we will be notified that the title has been created with "Direct FCU" as lienholder.  


IMPORTANT: The VIN (Vehicle Identification Number) on your Loan Note and Agreement must match the VIN on your title. If you are aware of any discrepancies, please contact us as soon as possible.


If the vehicle you are titling is for your business and you would like it in your business name, you must open a business membership and apply for a commercial loan. If you have started the loan as a personal vehicle loan, the title will need to be in your name.  


Direct Federal’s lienholder information:

Direct Federal Credit Union

ISAOA/ATIMA

50 Cabot Street

Needham, MA 02494

What is "ACH"?

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.

What is your Fax number?

Our fax number is 781-433-2922.

What phone number(s) will receive fraud alerts?

Any phone numbers that Direct Federal has in your records may be sent alerts.

Can I pay off a home equity loan or line with another lender using a Direct Federal Home Equity Loan or Line?

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

How do I know what the Principal and Interest breakdown is on my loan payment?

Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.

I made a Loan payment, and I am still seeing a notification that my Loan is due. Did it not go through?

The notification will disappear once your payment has posted to the Loan. Please allow 4-5 days for your payment to process before queuing another payment.

Do you offer loans for commercial/business vehicles?

Yes, we do finance commercial vehicles!

View Business Loans >

Do you have safety deposit boxes?

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

Are there any fees to send money using Zelle?

No, Direct Federal Credit Union does not charge any fees to use Zelle® in our mobile app.

Your mobile carrier's messaging and data rates may apply.

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