Direct Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Direct Federal Credit Union12-month CD rates can be found at 3.30%, 6-month CD rates at 2.52% and 3-month CD rates at 1.00%. Savings rates are at 0.05% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 7.20%. Credit Card rates are at 12.96%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates which you can compare to Direct Federal Credit Union rates.

Compare Direct Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Direct Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Direct Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Direct Federal Credit Union? Share your experience about Direct Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Direct Federal Credit Union.

Overall, Direct Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Direct Federal Credit Union
Main Branch
50 Cabot St
Needham, MA 02494
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Direct Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Gesa Credit Union
Gesa Credit Union
Explorer Youth Savings
5.00%
$0
Kendall Bank
Kendall Bank
18-Month CD
4.50%
$1,000
Fidelity
Fidelity
3-Month CD
4.40%
$1,000
VISIONBank Saint Francis, MN
VISIONBank Saint Francis, MN
6-Month CD
4.19%
$500
Mountain America Federal Credit Union
Mountain America Federal Credit Union
36-Month CD
4.15%
$500
OWB One World Bank
OWB One World Bank
12-Month CD (Jumbo)
4.10%
$1,000
The Citizens Bank of Weston
The Citizens Bank of Weston
18-Month CD
4.00%
$500
Merrick Bank
Merrick Bank
60-Month CD
3.95%
$25,000
VisionBank Saint Louis Park, MN
VisionBank Saint Louis Park, MN
24-Month CD
3.85%
$1,000
CorTrust Bank
CorTrust Bank
48-Month CD
3.75%
$500
Vermont State Bank
Vermont State Bank
48-Month CD
3.72%
$500
Finance Factors
Finance Factors
12-Month CD (eCD)
3.50%
$1,000
Northern Bank Direct
Northern Bank Direct
30-Month CD
3.50%
$500
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
24-Month CD (Jumbo)
3.40%
$100,000
Bank of the Valley
Bank of the Valley
60-Month CD
3.29%
$500
StonehamBank
StonehamBank
18-Month CD
3.00%
$1,000
Citizens State Bank Somerville, TX
Citizens State Bank Somerville, TX
30-Month CD
2.83%
$1,000
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
48-Month CD
2.78%
$500
The Bank of Princeton
The Bank of Princeton
12-Month CD
2.50%
$500
Kearny Bank
Kearny Bank
12-Month CD
2.50%
$500
Metropolitan Bank and Trust Company
Metropolitan Bank and Trust Company
3-Month CD
2.32%
$1,000
Achieve Credit Union
Achieve Credit Union
18-Month CD
2.25%
$500
First Security Bank of Deer Lodge
First Security Bank of Deer Lodge
30-Month CD
2.02%
$1,000
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
Premier Savings
2.00%
$50
Home SB of Wapakoneta
Home SB of Wapakoneta
48-Month CD
1.96%
$500
FSB Mcpherson, KS
FSB Mcpherson, KS
12-Month CD
1.61%
$1,000
North Shore Trust and Savings
North Shore Trust and Savings
60-Month CD
1.56%
$1,000
La Salle State Bank
La Salle State Bank
12-Month CD
1.51%
$1,000
SSB Scott State Bank
SSB Scott State Bank
60-Month CD
1.51%
$1,000
First National Bank of Ava
First National Bank of Ava
48-Month CD
1.51%
$500
Citizens Bank of Clovis
Citizens Bank of Clovis
Savings
1.01%
$150
First FSB of Kentucky
First FSB of Kentucky
48-Month CD
1.00%
$500
First Hope Bank
First Hope Bank
36-Month CD
1.00%
$2,500
Raritan State Bank
Raritan State Bank
Money Market
0.85%
$1,500
Root River State Bank
Root River State Bank
Money Market
0.75%
$50,000
MCS Bank
MCS Bank
36-Month CD
0.55%
$1,000
Adirondack Bank
Adirondack Bank
48-Month CD
0.50%
$1,000
Alec Federal Credit Union
Alec Federal Credit Union
Share Savings
0.45%
$100
Buckeye Community Bank
Buckeye Community Bank
48-Month CD
0.35%
$500
The Wilmington Savings Bank
The Wilmington Savings Bank
18-Month CD
0.30%
$500
Bangor Savings Bank
Bangor Savings Bank
Benefit Money Market
0.25%
$5,000
Collinsville Building and Loan Association
Collinsville Building and Loan Association
24-Month CD
0.20%
$1,000
First Hope Bank
First Hope Bank
24-Month CD
0.20%
$2,500
Wells River Savings Bank
Wells River Savings Bank
3-Month CD
0.15%
$200
Harbor Bank of Maryland
Harbor Bank of Maryland
Statement Savings
0.10%
$1,000
Bank of Herrin
Bank of Herrin
Statement Savings
0.10%
$50
NCB North Cambridge Coopertive Bank
NCB North Cambridge Coopertive Bank
Passbook Savings
0.05%
$10
The Bank of Bourbonnais
The Bank of Bourbonnais
12-Month CD
0.05%
$500
Cincinnatus S&L Co.
Cincinnatus S&L Co.
Statement Savings
0.05%
$100
Applied Bank
Applied Bank
36-Month CD
0.05%
$1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Direct Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Mutual Security Credit Union
Mutual Security Credit Union
5/1 ARM
5.500%
5.614%
0.000
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
5 Year ARM
5.500%
5.658%
0.000
DCU Digital Federal Credit Union
DCU Digital Federal Credit Union
15-Year Fixed
5.500%
5.728%
1.125
PNB of Kewanee
PNB of Kewanee
30-Year Fixed
5.560%
5.730%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
15-Year Fixed Jumbo
5.750%
5.776%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
15-Year Fixed
5.750%
5.793%
0.000
American Bank, N.A. Le Mars, IA
American Bank, N.A. Le Mars, IA
10-Year Fixed
5.625%
5.802%
0.500
Security Service Federal Credit Union
Security Service Federal Credit Union
15-Year Fixed (Power Rate)
5.625%
5.847%
0.000
Investment Savings Bank
Investment Savings Bank
15-Year Fixed
5.750%
5.852%
0.000
Hawaii State Federal Credit Union
Hawaii State Federal Credit Union
15 Year Fixed
5.500%
5.892%
2.000
One Nevada Credit Union
One Nevada Credit Union
15 Year Fixed
6.000%
6.057%
0.000
Honda Federal Credit Union
Honda Federal Credit Union
10 Year Fixed
5.875%
6.090%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
30-Year Fixed (Jumbo)
6.000%
6.092%
0.750
Addition Financial Credit Union
Addition Financial Credit Union
10-Year Fixed
5.625%
6.156%
0.000
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
15-Year Fixed
6.000%
6.179%
0.000
Northwest Community Bank
Northwest Community Bank
15-Year Fixed
6.000%
6.181%
0.000
Citi
Citi
15-Year Fixed
5.875%
6.206%
0.875
First Security B&T Co. IA
First Security B&T Co. IA
15-Year Fixed
6.000%
6.207%
0.000
1st United Credit Union
1st United Credit Union
15-Year Fixed Jumbo
6.250%
6.307%
0.000
Bath State Bank
Bath State Bank
15-Year Fixed
6.250%
6.321%
0.000
San Mateo Credit Union
San Mateo Credit Union
15-Year Fixed
6.000%
6.323%
0.000
Spire Credit Union
Spire Credit Union
15 Year Fixed
6.125%
6.339%
0.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
5.750%
6.356%
0.000
WVS West View SB
WVS West View SB
20-Year Fixed
6.125%
6.357%
0.000
FNB of Scotia
FNB of Scotia
15-Year Fixed
6.250%
6.402%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Direct Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Abbey Credit Union
Abbey Credit Union
VISA® Classic
12.960%
Canyon View Credit Union
Canyon View Credit Union
Visa Crimson Card
13.240%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
4U Federal Credit Union
4U Federal Credit Union
Credit Card
10.150%
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Platinum with Rewards
9.900%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
Hughes Federal Credit Union
Hughes Federal Credit Union
Visa Platinum Credit Card
9.500% - 12.500%
Randolph Brooks FCU
Randolph Brooks FCU
World Cash Back Credit Card Mastercard
18.000%
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
ACFCU
ACFCU
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
ABCO Federal Credit Union
ABCO Federal Credit Union
VISA® Credit Cards
7.990%
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
VISA Credit Card
8.990% - 17.990%
Maximum limit of $30,000
Suncoast Credit Union
Suncoast Credit Union
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
Canyon View Credit Union
Canyon View Credit Union
Visa Business Rewards Card
15.240%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
Canyon View Credit Union
Canyon View Credit Union
Visa Student Rewards Card
17.990%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Direct Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
Alec Federal Credit Union
Alec Federal Credit Union
Refinanced Signature Loans
18.000%
$0
America First Federal Credit Union
America First Federal Credit Union
Personal Loan
12.990%
$0
12
1st United Credit Union
1st United Credit Union
Personal Line of Credit Variable
13.150%
$0
Access Community Credit Union
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Personal Loan
9.990% - 18.000%
$0 - $50,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
14.850%
$0
37 - 60
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
14.990%
$0
25 - 36
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
Access Community Credit Union
Access Community Credit Union
Debt Consolidation
13.990%
$0
1 - 72
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Personal Loan
10.990%
$0 - $10,000
60 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
12.500%
$0
60 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Line of Credit
7.750% - 16.750%
$0
1 - 36
AAEC Credit Union
AAEC Credit Union
Bill Consolidation Loan
8.990%
$0
60
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Personal Line of Credit
9.000%
$0
60
ACFCU
ACFCU
Gold Star Loan
14.200%
$0
48
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Direct Federal Credit Union rate data right now, check back for updates, we are adding rates all the time.

Direct Federal Credit Union Information

Credit Union Name: Direct Federal Credit Union
Full Time Employees: 71
Part Time Employees: 4
President: Joseph Capalbo Jr
CEO: Joseph Walsh
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
50 Cabot St
Needham, MA 02494
Phone Number: 781-433-2900
Fax Number: 781-455-9911

Direct Federal Credit Union Financials

Total Assets:
840,080,181
Total Amount of Shares and Deposits:
622,354,602
Total Shares and Deposits < 1 Year:
546,643,746
Total Shares and Deposits 1 3 Years:
57,495,225
Total Shares and Deposits > 3 Years:
18,215,631
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
46,235,255
Total Uninsured Shares and Deposits > $250K (F+J):
46,235,255
Total Insured Shares and Deposits > $250K (item 17 less item K):
576,119,347
Total Interest Expense (Sum of items 6 8):
5,421,593
Share Certificates:
4,336
Number of Accounts for Share Drafts:
7,558
IRA KEOGH Accounts:
1,406
Number of Accounts for Regular Shares:
27,323
Non Member Deposits:
33
Money Market Shares:
3,729
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
58,553,013
Total Liabilities:
749,844,574
Show More

Direct Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Deposits (All deposits acquired through a third party):
1
payment:
Yes
Are low cost wire transfers available?:
No
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

penfed-home-equity-line-of-credit-325-percentPentagon Federal Credit Union is offering a home equity line of credit (HELOC) with an annual percentage yield (APR) of 3.25 percent. The rate is prime plus 0 percent as of March 26, 2009. This rate is for a variable line of credit and the rate changes once per quarter.
Mortgage rates are lower this week over last as 10 year bond yields hit 60 year lows on Friday. Current mortgage rates on 30 year conforming mortgages are averaging 4.09%, down from last week’s average 30 year rate of 4.15%. This is the lowest point 30 year mortgage rates averaged on MonitorBankRates.com

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Direct Federal Credit Union Reviews

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