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No. Calculator results are estimates provided for informational purposes only and do not represent a loan offer or approval. Actual rates, payments, and terms are based on a full application review and may vary.

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Requested Lines $400,000 and above require an appraisal. Also, if you believe your home value is higher than our assessed value, an appraisal may be required in order for us to approve the amount requested.

‍Appraisal cost estimates:

Single-family unit - Approximately $500

Multi-unit -Approximately $650.00

The notification will disappear once your payment has posted to the Loan. Please allow 4-5 days for your payment to process before queuing another payment.

Upon confirming that a transaction is valid, you may retry the transaction immediately.

Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.

Money Market dividends are are compounded monthly, and posted monthly.

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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Applicants under 18 require a joint owner on the account.

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

We are  federally Insured by the NCUA. The National Credit Union Share Insurance Fund  was created by Congress in 1970 to insure members' deposits in federally  insured credit unions. Each credit union member has at least $250,000 in total coverage in individual accounts.

The  Share Insurance Fund also separately protects members’ IRA accounts up to  $250,000 and provides additional coverage for members’ trust accounts.

The  Share Insurance Fund has the backing of the full faith and credit of the  United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.

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