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Applicants under 18 require a joint owner on the account.

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

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

With Direct Federal, you can open a Home Equity Loan or Line for:

Primary Residences: Any amount between $20,000 and $500,000.

Second Homes and Investment Properties: Any amount between $20,000 and $200,000.

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You can apply for a credit limit of up to $25,000.

With Direct Federal, any savings account that you choose is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. This deposit insurance protection is offered by the National Credit Union Administration (NCUA) and is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

• Each savings account is insured up to $250,000 per account owner
  
• Individual Retirement Account (IRA) funds are separately covered up to $250,000
  
• Funds in a trust account are separately covered up to $250,000
  

Plus, you have the ability to increase the insurance on your accounts depending on the types of accounts you have and how your accounts are owned.

For a detailed explanation of the NCUA visit their site https://ncua.gov/about . To estimate your insurance coverage, go to NCUA Share Insurance Estimator.

Questions? Simply call the NCUA Insurance Call Center at 800.755.1030, ext. 1; or call Direct Federal at 781.455.6500.

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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.

You are able to see and access all of the accounts your Social Security Number is associated with at Direct Federal, under one login. This includes Custodial accounts, Joint accounts, and Trust accounts. If you  see accounts you don't want to see, you can go to My Settings and click on Accounts. Here you will be able to hide/unhide and rename your accounts.

You can reset your password.

Reset Password >

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

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

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