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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.

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

‍View our banking account options >

What do I need to do with my Title if I am moving to another state?

If you are moving to a different state within the U.S., a state change request should first be submitted through Online Banking or by calling our Contact Center at 888.2DIRECT.

IMPORTANT: Direct Federal cannot process the state change for you. You must complete this process with the applicable RMV.

This request allows us to print/prepare the title so you can process the state change at the RMV. We will mail the title to you at the address we have on file. Then bring it to the RMV to complete the title and registration in your new state. We cannot do this for you.

IMPORTANT: The process is different for owner retained states. If you live in an owner retained state, you do not have to file a state change with us. Simply go to your new RMV to title and register there. Please make sure all Direct Federal’s information is correct on all documentation so that we get notified of the state change.

Going to the RMV before filing a request with us will result in delayed processing of your forms. The RMV will contact us to request that the title be mailed to them, resulting in a higher chance of title loss. In this case, we will not be able to provide you with a duplicate title unless Direct Federal is listed as lienholder.

Why use a HELOC?

Home Equity Lines of Credit combine flexibility with lower rates than most unsecured loans. You only pay interest on the portion of the line you actually use.

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How do I set up a new Payee in Bill Pay?

Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.

Is there a credit card cash advance fee?

There is no cash advance fee.

Do you offer motorcycle loans?

We do not offer motorcycle loans at this time, but click below to learn more about what personal loans and lines of credit we offer!

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View Home Equity >

View Personal Loans >‍

View Credit Cards >

How long will it take to receive my Direct Federal Visa® card?

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

How much equity can I use?

For primary residences, eligible borrowers may access up to 80% of their home’s combined loan‑to‑value (CLTV).