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Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.
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Do you offer RV loans?

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

View Home Equity >

View Personal Loans >

View Credit Cards >

Can I pay off a home equity loan or line with another lender using a Direct Federal Home Equity Loan or Line?

Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".

What happens if I did not reply to a fraud alert whether via Email, Text or Phone?

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

Do you offer ESAs?

We currently do not offer Educational Savings Accounts.

View our banking account options >

How do I make a payment on my Direct Federal Loan from a Direct Federal Account?

To make a payment to your Direct Federal Loan from a Direct Federal Account, navigate to the “Transfers” feature. For the most payment options, including Principal only payments, click on the “Classic” tab. From there you will be able to select which account you want the payment to come from, which loan it should go to, how much you want to pay, and other payment options.

Can I use talk-to-text(Dictation) to talk to a live chat associate?

Our live chat platform supports the talk-to-text (dictation) feature available on your smart device. To use talk-to-text to chat with one of our live associates click on the “live chat” button found on the bottom left of your screen. Upon establishing a connection with a live chat associate, you may initiate the use of the talk-to-text feature.


The method for accessing the talk-to-text feature on your device's keyboard may vary depending on the type of smart device you are using. To assist you in locating the talk-to-text feature on your device, we have provided additional resources below.

Click here for Apple Keyboard
Click here for Google assistant (gboard)

*Other keyboards may support this feature. Contact your phone provider for additional assistance.

How can I get in touch via email?

If you'd like to get in touch with us via message, please utilize our secure Message Center in Digital Banking.

Log in to access Message Center >

What is the credit limit on a Direct Federal Visa®?

You can apply for a credit limit of up to $25,000.

Can the interest rate shown in the calculator change over time?

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

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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