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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Direct Federal Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 25, 2026
Direct Federal Credit Union's 6 Month CD rates are at 3.70%, 9 Month CD rates are at 3.60%, 60 Month CD rates are at 3.50%, 36 Month CD rates are at 3.25%, 48 Month CD rates are at 3.25%. Direct Federal Credit Union's savings rates are at 3.50%. Direct Federal Credit Union's Personal Loan Rates are at 5.44%. MonitorBankRates evaluates the financial stability of Direct Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.76%. Rates were last updated on 04/25/2026. 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 money market rates and 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. 
Direct Federal Credit Union CD Rates
Direct Federal Credit Union Savings Rates
Direct Federal Credit Union Home Equity & HELOC
Direct Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Direct Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Direct Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Direct Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Direct Federal Credit Union
Website
https://www.direct.com
Address
50 Cabot St,
Needham, MA 02494
Phone
781-433-2900
Fax
781-455-9911
President
Meredith Hoban Dunn
CEO
Joseph Walsh
Full-Time Employees
70
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.76%
Return on Assets (ROA)
-0.1789%
Return on Equity (ROE)
-1.5501%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
784,188,722
Total Amount of Shares and Deposits
612,616,921
Total Shares and Deposits < 1 Year
544,934,868
Total Shares and Deposits 1 3 Years
57,626,619
Total Shares and Deposits > 3 Years
10,055,435
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
60,018,465
Total Uninsured Shares and Deposits > $250K (F+J)
60,018,465
Total Insured Shares and Deposits > $250K (item 17 less item K)
552,598,456
Total Interest Expense (Sum of items 6 8)
15,659,695
Share Certificates
4,263
Number of Accounts for Share Drafts
7,190
IRA KEOGH Accounts
1,259
Number of Accounts for Regular Shares
25,155
Non Member Deposits
29
Money Market Shares
3,666
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
41,131,853
Total Liabilities
696,147,573
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Direct Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Direct Federal Credit Union
Frequently Asked Questions About Direct Federal Credit UnionIs Direct Federal Credit Union a safe place to deposit money?Yes, Direct Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7631137717671%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Direct Federal Credit Union operate?Direct Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Direct Federal Credit Union?Yes, to access services at Direct Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Direct Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Direct Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Direct Federal Credit Union offer online and mobile banking?Most modern institutions like Direct Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.direct.com. Current Direct Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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