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Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.

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Yes! The Joint account holder can create their own user login.

We do not offer foreign currency exchange services at this time.

1% of each transaction in US dollars.

Agree to receive your monthly statement through email (e-Statements)
AND

• One direct deposit into your account a month
  OR
• Five or more debit card transactions per calendar month.
  (Excludes ATM + Zelle transactions)

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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.

Commercial Real Estate & Investment Property eligible lending areas include:
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Massachusetts Counties –  Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester County.

New Hampshire Counties – Cheshire, Hillsborough, and Rockingham County.

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The Draw Period is the period of time you can access funds from your Home Equity Line. Direct offers a 15-year draw period with interest-only monthly payment options.

You will receive three letters notifying you that your title, with Direct Federal listed as lienholder, has not been received. If the title is not received within 90 days of your loan funds being disbursed, your interest rate may be increased to 18.00% APR (Annual Percentage Rate). Once we receive the perfected title, we will revert the rate to the rate on your loan agreement. This will not affect your credit history.

You can get free checks with a Hub or Community checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through online banking, our member service center, or in the branch.