FEATURED PRODUCT

Let's Get Down To Business

6 MONTH

SHARE CERTIFICATE

5.50

%
APY

5.55% APY — $100k +

New Money Only

→ Rate Match Guarantee

→ No Deposit Limit

→ Low Opening Balance

Requirement($250)

FEATURED CLOSING

Location Boston, MA
Amount $1,700,000 

BUSINESS BANKING

Business
Checking

Business
Money Markets

Business
Certificates

Business 
Online Solutions

  • No monthly service fee or minimum balance requirements
  • Unlimited transactions
  • Monthly ATM fee rebates
  • Customized limits on Debit Cards
  • Competitive Rates

  • High Yield Savings
  • Competitive Rates

  • Flexible Terms
  • No monthly service fee
  • View multiple related entities (EINs)
  • Manage permissions for multiple users
  • Create online ACH and Wire Transfers
  • Link external accounts

View Rates

Premium Business Money Market | Rates

BALANCE

RATE

APY¹

TIER - 2

$25,000 and above

3.20%

3.25%

TIER - 1

$0 - $24,999.99

0.00%

0.00%

ONLY $500 NEEDED TO OPEN ACCOUNT

 Business High-Yield Money Market | Rates

BALANCE

RATE

APY²

TIER - 2

$200,000 and above

3.93%

4.00%

TIER - 1

$0 - $199,999.99

0.00%

0.00%

ONLY $500 NEEDED TO OPEN ACCOUNT

 Business Certificate | Rates

Jumbo rates apply for deposits of $100,000 or more.

TERM

MONTHS

RATE

APY³

JUMBO RATE

JUMBO APY³

3

0.75%

0.75%

0.80%

0.80%

6*

5.355%

5.50%

5.405%

5.55%

9

4.88%

5.00%

4.93%

5.05%

12

2.96%

3.00%

3.01%

3.06%

15

2.96%

3.00%

3.01%

3.06%

24

3.44%

3.50%

3.49%

3.55%

36

3.92%

4.00%

3.97%

4.05%

48

3.92%

4.00%

3.97%

4.05%

60

4.16%

4.25%

4.21%

4.30%

*New Money Only

COMMERCIAL LOANS

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Working Capital Line of Credit

Commercial Auto Loans

Business Credit Card

Rates as low as 16.24% APR⁴ Direct is here with a tool that allows your business to easily borrow money for day-to-day operational costs, whenever it is needed.

Rates as low as 6.89% APR⁵. Finance or re-finance your commercial vehicle with a DFCU commercial vehicle loan. Click here to learn more.

Rates as low as 16.24% APR⁶. A simple, straightforward credit card that will allow you to make your everyday business purchases at a low, affordable rate. No annual fee.

COMMERCIAL REAL ESTATE

Closed June 2022 | Boston, MA | Apartment Building Properties Loan amount of $1,700,000 | Rate & Term and Refinance Cash Out

Featured Closing

1-4 Family Residential Investment Properties

5+ Unit Residential Investment Properties

Owner-Occupied
Commercial Real Estate

CONTACT

Greg Ryan

Senior Vice President
Commercial Lending

gryan@direct.com

781.433.2900 x275

Questions?

SEND MESSAGE

Request more info!

 Commercial Auto Loan | Rates

MODEL YEAR

TERM

APR⁵

MONTHLY PAYMENT PER $1,000

Up to 63 Months

6.89%

$18.96

Up to 66 Months

7.09%

$18.34

2023-2024

Up to 75 Months

7.49%

$16.74

Up to 84 Months

8.74%

$15.96

Up to 63 Months

6.99%

$19.01

Up to 66 Months

7.24%

$18.41

2021-2022

Up to 75 Months

7.49%

$16.74

Up to 81 Months

8.74%

$16.39

2019-2020

Up to 63 Months

7.24%

$19.13

Up to 66 Months

7.49%

$18.53

Up to 75 Months

7.74%

$16.86

Up to 78 Months

8.09%

$16.53


¹ Annual Percentage Yield (APY) is 3.25%. The Business Premier Money Market APY and Dividend Rate are in effect as of 6/01/2023 This offer may be discontinued by the Credit Union at any time. The minimum deposit to open a Premium Money Market Account is $500 and there is a minimum daily balance of $25,000 to earn the stated APY. If the balance in the Premium Money Market Account falls below $25,000 for any day during the month, no interest will be paid for that dividend period. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. New money only. Federally insured by the NCUA.


² Annual Percentage Yield (APY) is 4.00%. The Business High-Yield Money Market APY and Dividend Rate are in effect as of 6/21/2023 This offer may be discontinued by the Credit Union at any time. The minimum deposit to open a High-Yield Money Market Account is $500.00 and there is a minimum daily balance of $200,000.00 to earn the stated APY. If the balance in the High-Yield Money Market Account falls below $200,000.00 for any day during the month, no interest will be paid for that dividend period. The daily balance is the balance of your Account at the end of the day. Fees may reduce earnings. New money only. Federally insured by the NCUA.


³ Annual Percentage Yield (APY). The APY and dividend rates are effective as of 8/11/2023 and may change at any time without notice. A minimum deposit of $250.00 is required to open and earn APY. The APY for all Share Certificates assumes the dividend will remain in the account until maturity. Withdrawal of dividends prior to maturity will reduce earnings. A penalty will be imposed for the withdrawal of the principal before maturity. At maturity, Share Certificates will renew at the same term unless you inform us otherwise. Jumbo rates apply for deposits of $100,000 or more.


⁴ Annual Percentage Rate ( APR) of 16.24%, 17.74%, or 18.00% based on your creditworthiness. The APR is variable and will be adjusted on the first day of each billing cycle by adding 7.49%, 9.24%, or 9.50% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). 


⁵ The rate listed is the Annual Percentage Rate (APR). The APR is effective as of 111/10/2023 and subject to change. Maximum loan amount is $100,000.00. Maximum loan-to-value is 105% of the MSRP (new autos) or NADA Value (used autos). Other terms and conditions may apply. Rates vary based on term, credit score and model year. Subject to credit approval.


⁶ Annual Percentage Rate (APR) of 16.24%, 17.74%, or 18.00%   based on your creditworthiness for purchases. The APR is variable and will be adjusted on the first day of each billing cycle by adding 7.74%, 9.49%, or 9.75%(the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index").

Equal Opportunity  Lender.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

© 2023 DIRECT FEDERAL CREDIT UNION