Learn

Explore a range of great resources designed to provide the insights and information you need to bank more knowledgeably and confidently.

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knowledge

Enhance Your Financial Wellness

Find an array of tips, tools, and techniques to enhance your money management skills and help ensure a more secure financial future.

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Protecting Your Identity

Safeguard yourself against identity theft and fraud with the latest professional advice and proven strategies.

Discover Insights

INSIGHTS & INFORMATION

Latest Blog Posts

Stay informed with an array of insightful articles and updates on personal finance, industry trends, and more.

View All Blog Articles

Article

November 24, 2025

Staying Scam-Smart This Holiday Season: What You Need to Know

Article

September 12, 2025

Scams Targeting Seniors: Here’s How to Stay Safe

Article

August 19, 2025

Building Your Financial Safety Net: The Power of an Emergency Fund

Stay Informed

Latest News & Announcements

Keep up to date with the latest developments at Direct Federal, and read about recent community initiatives and events.

Press Release

November 12, 2025

Direct Federal Offers Direct Cares Program to Support Members and Community Amid Government Shutdown

Press Release

August 20, 2025

Direct Federal Credit Union Earns Award for Excellence in Leadership Development

Announcement

June 6, 2025

Own Your Path: Self-Advocacy and Self-Care with The Ellie Fund

Press Release

May 30, 2025

Direct Federal Awards Karolina Brinkhaus The Dave Johnson Leadership Scholarship

Press Release

May 30, 2025

Direct Federal Awards Cailyn Kim the Donald Kelliher Diversity, Equity and Inclusion Scholarship

View All News & Updates

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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.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

How can I upload proof of insurance for my vehicle?

Please visit:
www.myinsuranceinfo.com

A legitimate transaction triggered a fraud alert. How long should I wait after responding to an alert to reattempt the transaction?

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

Do you offer boat loans?

We do not offer Boat 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 Personal Loans >‍

View Credit Cards >

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What are the appraisal fees for a HELOC?

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

How do I make a payment on my Direct Federal Loan from another financial institution?

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.

How do I get pre-approved?

Submit an application online or call to speak with Mortgage Loan Officer.

Is there a credit card annual fee?

There is no annual fee.

What is Direct Federal's lienholder information?

Direct Federal Credit Union
ISAOA/ATIMA

50 Cabot Street
Needham, MA 02494

I authorized a check over the phone, why do I not see the check copy?

In some cases merchants do not submit the physical check for payment. The check is converted into an electronic check (eCheck). This is also known as a digital version of a paper check (Image replacement Document). eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

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