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Prepayment is allowed at any time without penalty. If you pay-off the balance and decide to close the line within the first two years, you will be charged a $395 Early Termination Fee.

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.

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.

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We currently do not offer safety deposit boxes at this time.

$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.

Funds cannot be added to an existing CD Share Certificate.

Yes, we do finance commercial vehicles!
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Direct Federal Credit Union
ISAOA/ATIMA

P.O. Box 2092

Carmel, IN 46082

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

Yes. You may pay your Direct Federal Visa bill online using any checking account.

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