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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
Yes! You can start a chat with us by clicking on the text bubble icon on the login page and the dashboard
For primary residences, eligible borrowers may access up to 80% of their home’s combined loan‑to‑value (CLTV).
HELOC closings take place at our Branch located in Needham, MA.
50 Cabot St. Needham, MA 02494
You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.
Depending on the assessed value of your home, and the amount of equity you have in it, you may be eligible to refinance/increase your existing Direct Federal Home Equity Line. Home Equity Line Refinances/Increases have a $295 fee.
Click here to apply to refinance/increase your existing Home Equity Line >
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.
Login to Digital Banking >
Yes. You may pay your Direct Federal Visa bill online using any checking account.
Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.
We currently do not offer FHA loans.
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.
$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.
Related Resources
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