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You can send, request, or receive money with Zelle®. To get started, log into the Direct Federal Credit Union App​. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Direct Federal Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

1. Click on link provided in the payment notification you received via email or text message.
2. Select Direct Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

At  maturity, Share Certificates (CD) will rollover into the same term at the  current rate being offered, unless Direct Federal is notified prior to  maturity or during the 7-day grace period.

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.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your Direct Federal Credit Union account to another person's bank account within minutes¹, Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither Direct Federal Credit Union nor Zelle® offers purchase protection for payments made with Zelle®- for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

To make a payment to your Direct Federal Loan from a Direct Federal Account, navigate to the “Transfers” feature. For the most payment options, including Principal only payments, click on the “Classic” tab. From there you will be able to select which account you want the payment to come from, which loan it should go to, how much you want to pay, and other payment options.

This feature is for existing Home Equity Line of Credit (HELOC) only. You cannot get a Fixed-Rate Option without first having a Home Equity Line of Credit. However, a HELOC can be converted to a Fixed Rate Carve Out during the initial HELOC closing.

The HELOC limit will be reduced by the amount of the fixed rate loan, but once it is paid off, the limit will replenish. Terms available: 5, 10, 15, and 20 years.  There are no fees associated with a Home Equity Fixed Rate Carve Out.

Maximum number of Fixed-Rate Carve Outs: 3

We do not pull credit for carve outs.

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

You can access Bill Pay by clicking here or you can access Bill Pay from our Mobile App. Bill Pay can be found by selecting More > Transfer & Pay > Bill Pay.

You will first need to link your external account to online banking. To link your external account navigate to the transfers and pay menu option and then click on transfers & loan payments. Once you are in the transfers widget click on "more actions" and then "add account." Once your account has been added it will appear in the dropdown menus within the Transfers and loan payment widget.