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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 have a joint account with another cardholder. Why did I not receive a fraud alert? Why am I receiving fraud alerts when someone else on my account is making a transaction?

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.

How much can I borrow for my auto loan?

You can borrow 120% of the value of your car (subject to our maximum auto loan limit of $100,000). This allows you to finance the entire purchase price, plus GAP insurance and the sales tax.

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.

When is the dividend rate in effect?

Dividends start to accrue on the date the  account is funded.

Can I add more money to my CD account?

Funds cannot be added to an existing CD Share Certificate.

How do I make a Principal only payment?

Navigate to the transfers and pay tab and then click on transfers and loan payments. Please note, that Principal payments CANNOT be made from external accounts. Once you have navigated to the transfers widget, select which accounts you'd like the money to come out of and which loan you will be paying. Once the accounts are selected the "Principal Payment" option will appear. Your loan must be up to date.

What are fraud alerts?

Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Direct's fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

What if I forget my password?

You can reset your password.

Reset Password >

If you are locked out of your account please call us at 888.2DIRECT.

What types of properties qualify for a Direct HELOC?
How do I stop receiving fraud alerts? What should I do if I don’t want to get a fraud alert at a certain phone number?

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.

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