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Frequently Asked Questions
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The following must be done if you have lost or misplaced your title after the vehicle loan is paid in full and our lien is released:
Bring the paid loan letter, which includes the lien release statement, to your RMV to request a new title.
You will be responsible for all fees. The RMVs does not allow Direct Federal to apply for a duplicate title on your behalf since we are no longer a lienholder.
We do not offer motorcycle loans at this time, but click below to learn more about what personal loans and lines of credit we offer!
There are no balance transfer fees.
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.
Yes! You can start a chat with us by clicking on the text bubble icon on the login page and the dashboard
Speak to a Direct Federal Member Service Representative. This can be done by visiting the branch or calling us at 781-455-6500. Once it is established that the item is unauthorized, an affidavit of forgery needs to be completed and either mailed to Direct Federal or taken into the branch for processing. Once the process is complete, the funds will be returned to your account.
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Yes, we do finance commercial vehicles!
View Business Loans >
Yes, we offer SBA loans!
Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.
We offer a variety of options to pay a Direct Federal Loan or Line of Credit.
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.
Direct Federal lends on properties located in the following locations:
Massachusetts Counties: Norfolk, Middlesex, Suffolk, Plymouth, Essex, Bristol, Worcester, and Barnstable
Rhode Island Counties: All Counties in Rhode Island
New Hampshire Counties: Rockingham, Hillsborough, and Cheshire
If you are travelling within the U.S., you will receive phone calls, text messages and emails. If you are travelling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.
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
You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, ie., email address, cell phone, home phone, work phone, etc.
You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.
Depending on the assessed value of your home, and the amount of equity you have in it, you may be eligible to refinance/increase your existing Direct Federal Home Equity Line. Home Equity Line Refinances/Increases have a $295 fee.
Click here to apply to refinance/increase your existing Home Equity Line >
Login to Digital Banking and access the transfers widget. After choosing your account and loan from the dropdown menus, you can then specify the frequency for your recurring payments.
Login to Digital Banking >
You can reset your password.
Reset Password >
If you are locked out of your account please call us at 888.2DIRECT.
You can send, request, or receive money with Zelle®. To get started, log into the Direct Federal Credit Union App. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".
To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Direct Federal Credit Union account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on link provided in the payment notification you received via email or text message.
- Select Direct Federal Credit Union.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
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.
Once your application has been approved, you can expect your new card in the mail within 1-2 business days.
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.
Agree to receive your monthly statement through email (e-Statements)
AND
- One direct deposit into your account a month
OR - Five or more debit card transactions per calendar month.
(Excludes ATM + Zelle transactions)
HELOC closings take place at our Branch located in Needham, MA.
We currently do not offer 529 plans.
View our banking account options >
When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.
One of the following must be done if you have lost or misplaced the title that was mailed to you while the loan is still open:
Contact Direct Federal at 888.2DIRECT to request a duplicate title. Processing time will depend on the RMV. You will be responsible for the state’s duplicate title fee.
Contact your state’s RMV if you live in an owner retained title state for a duplicate title. You will be responsible for the state’s duplicate title fee.
You have 60 days. If, for whatever reason, you do not use the loan during that time period and need another one, simply call us at 781.455.6500.
Yes. You may pay your Direct Federal Visa bill online using any checking account.
You can access Bill Pay by clicking here or you can access Bill Pay from our Mobile App. Bill Pay can be found by selecting More > Transfer & Pay > Bill Pay.
We currently do not offer Health Savings Accounts.
View our banking account options >
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!
No, Direct Federal Credit Union does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".
Monthly dividends are available for withdrawal without penalty.
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.
Our fax number is 781-433-2922.
If rates rise from the time you apply until the time you use your loan, you will get the lower rate that was in effect when you applied. If rates fall from the time you apply until the time you use your loan, you will get the lower rate in effect at the time of purchase.
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.
A Returned Deposited Item (RDI) - is a check that has been returned to a depositor because it could not be processed against the account which it was drawn on. Deposited items can be returned for many reasons, such as insufficient or unavailable funds (funds on hold), stop payment, closed account, missing signature, etc.
Our Routing & Transit Number is: 211381783
Direct Federal Credit Union
ISAOA/ATIMA
50 Cabot Street
Needham, MA 02494
We do not offer Student loans at this time, but click below to learn more about what personal loans and lines of credit we offer!
View Home Equity >
Yes, you will need to submit a HELOC application and select "Home Equity Increase (Refinance)" as the purpose.
Home Equity Line Refinances/Increases have a $295 fee.
Click here to apply to refinance/increase your existing Home Equity Line >
There is no annual fee.
If you are an existing member, the easiest way to check the status of an application is through the Application Center within Digital Banking.
If you are not a member, please visit our Application Status Center.
An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.
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.
It takes about five minutes to apply and you will have an answer within one business day.
The amount you can borrow depends on the property type and the equity you have in your home.
Primary Residences: Up to 80% Combined Loan-To-Value (CLTV). Any amount between $20,000 and $500,000.
Second Home and Investment Properties: Up to 70% Combined Loan-To-Value (CLTV). Any amount between $20,000 and $200,000.
Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.
The Home Equity grace period is 10 days.
Different Mortgage programs will have varying qualifications. Please contact a mortgage specialist to discuss your options.
Send message to Mortgage Specialist >
On the “Payments” tab of the Bill Pay widget, you will see “Payment Activity”. There you will see what Bills are scheduled to be paid in the current month. By clicking “Next” or “Previous” you can see what is scheduled to be paid or has been paid in the previous month. If you need additional information about any payment such as the payment frequency or the check number, click on the individual payment to be brought to the payment details.Alternatively, if you click on the “Manage Payees” tab within the Bill Pay widget and select an individual Payee you can view historical and scheduled payments for each Payee. Please note that payment history is only available from 2/1/21 and on. Please reference your past statements for payments prior to that.
If you are moving to a different state within the U.S., a state change request should first be submitted through Online Banking or by calling our Contact Center at 888.2DIRECT.
IMPORTANT: Direct Federal cannot process the state change for you. You must complete this process with the applicable RMV.
This request allows us to print/prepare the title so you can process the state change at the RMV. We will mail the title to you at the address we have on file. Then bring it to the RMV to complete the title and registration in your new state. We cannot do this for you.
IMPORTANT: The process is different for owner retained states. If you live in an owner retained state, you do not have to file a state change with us. Simply go to your new RMV to title and register there. Please make sure all Direct Federal’s information is correct on all documentation so that we get notified of the state change.
Going to the RMV before filing a request with us will result in delayed processing of your forms. The RMV will contact us to request that the title be mailed to them, resulting in a higher chance of title loss. In this case, we will not be able to provide you with a duplicate title unless Direct Federal is listed as lienholder.
There is no cash advance fee.
We are federally Insured by the NCUA. The National Credit Union Share Insurance Fund was created by Congress in 1970 to insure members' deposits in federally insured credit unions. Each credit union member has at least $250,000 in total coverage in individual accounts.
The Share Insurance Fund also separately protects members’ IRA accounts up to $250,000 and provides additional coverage for members’ trust accounts.
The Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.
You can find your account numbers within Digital Banking under Account Details.
View Account Information >
Navigate to the transfers and pay tab and then click on transfers and loan payments. Please note, that Principal payments CANNOT be made from external accounts. Once you have navigated to the transfers widget, select which accounts you'd like the money to come out of and which loan you will be paying. Once the accounts are selected the "Principal Payment" option will appear. Your loan must be up to date.
The title proves that you own the vehicle. The registration is permission from the state to operate it on the road. It will come to you with license plates and/or a sticker to display on the vehicle. In most states, your registration should always be with your vehicle, just like your license plates.
The final step of owning your new vehicle is to register and title it at your state’s Department of Motor Vehicles (RMV). It may also be known as the Bureau of Motor Vehicles (BMV), the Registry of Motor Vehicles (RMV), or the Department of Transportation (DOT), depending on your state. For simplicity here, we will refer to it as the RMV.
Direct Federal only holds onto the title while your auto loan is open if you do not live in an owner retained state. If you live in an owner retained state, the RMV will send you the title to keep safe until your loan is paid in full.
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.
You can update your contact information by updating your account profile in Digital Banking, by calling Member Services, or by visiting our branch.
CD dividends are compounded daily and posted monthly.
Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Direct's fraud detection system.
Text messages will be sent to cardholders in the 50 United States at no charge.
Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.
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!
Yes! The Joint account holder can create their own user login.
With Direct Federal, you can open a Home Equity Loan or Line for:
Primary Residences: Any amount between $20,000 and $500,000.
Second Homes and Investment Properties: Any amount between $20,000 and $200,000.
Please call us at 888.2DIRECT.
Only new HELOCs are eligible for the introductory rate. Increases/refinances of an existing HELOC at Direct Federal do not qualify.
We currently do not offer Educational Savings Accounts.
View our banking account options >
Money Market dividends are are compounded monthly, and posted monthly.
If you realize you need more money to finance your purchase once you start shopping for your car, simply call us at 781.455.6500.
Any phone numbers that Direct Federal has in your records may be sent alerts.
The status of your payments is located under “Payment activity” within the “Payments” tab of the Bill Pay widget. Click on each individual payment to obtain details and the status of your payment.
Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.
You can submit a Stop Payment Request through Online Banking via Tools > Check Services.
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.
We currently do not offer land loans but please check back in with us in the future!
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.1
Since money is sent directly from your Direct Federal Credit Union account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).
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.
Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.
Yes, you can add GAP insurance to any auto loan for a low flat rate of $395. Learn more about GAP >
You can apply for a credit limit of up to $25,000.
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.
You are able to see and access all of the accounts your Social Security Number is associated with at Direct Federal, under one login. This includes Custodial accounts, Joint accounts, and Trust accounts. If you see accounts you don't want to see, you can go to My Settings and click on Accounts. Here you will be able to hide/unhide and rename your accounts.
Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # to your specific fraud alert.
$0 unless property is in a trust and/or there are unrecorded discharges that need to be recorded.
1% of each transaction in US dollars.
Rates vary based on your creditworthiness. The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.
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.
$395 if the line is closed during the first two years.
Submit an application online or call to speak with Mortgage Loan Officer.
With Direct Federal, you can open a Home Equity Loan or Line for:
Primary Residences: Any amount between $20,000 and $500,000.
Second Homes and Investment Properties: Any amount between $20,000 and $200,000.
Upon confirming that a transaction is valid, you may retry the transaction immediately.
We currently do not offer VA loans.
We currently do not offer safety deposit boxes at this time.
You can ensure that you're on the newest app version available by turning on automatic updates in your device settings
At the end of your 15-Year Draw Period, you will enter the Repayment Period. The Repayment Period is 15 years of principal and interest. The rate remains variable based on your Home Equity agreement.