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There is no cash advance fee.

Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.

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Bill Pay allows you to pay all of your bills, outside of Direct Federal Credit Union, in one place. Your payments will be delivered electronically or by check depending on the recipient. You can schedule one-time or recurring payments.

The calculator assumes standard HELOC terms, including a variable interest rate, interest‑only payments during the draw period, and repayment of principal and interest during the repayment period. Actual terms may differ based on your specific loan agreement.

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Please call us at 888.2DIRECT.

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You are eligible for cash advances by going to ATMs or banks that are part of the Visa network. You can also transfer cash advance funds from your credit card to a Direct Federal savings, checking, or money market account. Direct does not charge a cash advance fee.

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

Your account will not be debited until the payment has been either delivered electronically or until the check is cashed.Reminder will be sent at 60 days if the check remains undeposited. Should an undeposited check extend to 90 days, Bill Pay will automatically void the check and refund the money to the member’s account at no charge.

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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Commercial Real Estate & Investment Property eligible lending areas include:
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Massachusetts Counties –  Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester County.

New Hampshire Counties – Cheshire, Hillsborough, and Rockingham County.

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