Learn

Monthly dividends are available for withdrawal without penalty.

We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

Visa Credit Card Agreement (Consumer)

$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.

1. You can opt out of text alerts by replying “STOP” to the text message

2. You can opt out of phone calls when the alert system calls you.

3. Click on the Unsubscribe link in the email to stop the emails.

4. Contact our Call Center to ask to stop receiving fraud alerts.

5. Visit a branch to ask to stop receiving fraud alerts.

‍

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Direct Federal Credit Union App​ using just their email address or U.S. mobile number.

Neither Direct Federal Credit Union nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

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

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

‍

‍

Yes, you can add GAP insurance to any auto loan for a low flat rate of $395. Learn more about GAP >

Once you’ve submitted your application, you will have a personal Mortgage Specialist follow up with you to provide additional help and guidance. Your Mortgage Specialist will be your single point of contact from here. He or she will send you an approval letter, order an appraisal from a licensed appraiser familiar with home values in your area, and prepare your loan for closing. The closing will take place at the office of our attorney in your area, who will act as our agent. Before closing, your Mortgage Specialist will contact you to walk through the final information and answer any questions you might have.

If you want flexibility and ongoing access to funds, a Home Equity Line of Credit (HELOC) may be the better fit. If you prefer a fixed payment and know exactly how much you need, a Home Equity Loan (HELOAN) may make more sense.

HELOC
Best for ongoing or uncertain expenses. Variable interest rate.

HELOAN
Best for one-time projects/lump sum upfront. Fixed interest rate.

‍

You can get free checks with a Hub or Community checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through online banking, our member service center, or in the branch.