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There is no over limit fees.

If your payments are on time, there are no fees.

Visa Credit Card Agreement (Consumer)

We currently do not offer Health Savings Accounts.

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No. Using the calculator does not affect your credit score and does not initiate a credit inquiry.

Applicants under 18 require a joint owner on the account.

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.

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

Yes, Direct Federal will allow properties that are placed in acceptable trusts.  The trust must be reviewed by our Attorney and must meet all of our guidelines and requirements for the transaction to move forward.  The applicant will need to provide a full copy of the Trust agreement for review.  The applicant must be the trustee or one of the co-trustees.  All trustees must be 18 years of age or older.  Additionally, the trustee must be authorized to borrow money and encumber real estate.

Yes. Most HELOCs have variable interest rates that can change based on the Prime Rate. A rate change will affect your monthly payment.

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We currently do not offer Educational Savings Accounts.

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