INTRO OFFER

No Annual Fee 

No Cash Advance Fee  

No Over Limit Fee

0.00

%

APR*

FOR 6 MONTHS

10.24

%

APR*

THEN JUST

Pay 0.00% for the first 6 months and then pay just 10.24% APR* until the transferred balance is paid in full. Limited-Time Offer.

Enjoy a market-leading rate of 14.24% APR** for purchases and cash advances. Credit Lines up to $25,000 are available.

1% Cash Back on all purchases***

Access your account online 24/7. Text message alerts and mobile wallet are available.

USED FOR

APR

FEES

• No Annual Fee
  
  
• No Balance Transfer Fee
  
  
• No Cash Advance Fee  
  
  
• No Over Limit Fee
  
  
• Foreign Transaction |  1% of each transaction in US dollars
  
  
• Return Check | $10

BALANCE TRANSFERS

0.00% Intro rate for the first 6 monthly billing statements; then, 10.24% (The Wall Street Journal Prime Rate +1.74%)*

PURCHASES + CASH ADVANCES

14.24%, 17.24%, or 18.00% 

based on your creditworthiness** 

* | Annual Percentage Rate (APR) of 0.00% is for balance transfers for the first 6 monthly billing statements, then the APR will be a low variable rate of Prime Rate plus 1.74%, currently 10.24%. The 10.24% APR is variable and is equal to The Wall Street Journal Prime Rate + 1.74%. The APR will be adjusted on the first day of each billing month by adding 1.74% (the “margin”) to The Wall Street Journal Prime Rate as published on the last business day of the preceding calendar month (the "index"). This rate is available for balance transfers only. Balance transfers can not be used to pay down an existing Direct Federal loan balance. 

** | APR of 14.24%, 17.24%, or 18.00%  based on your creditworthiness for purchases and cash advances. The APR is variable and will be adjusted on the first day of each billing cycle by adding 5.74%, 8.74% 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"). 

*** | Cash Back applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Minimum of 5,000 points required for redemption. Rewards will be redeemed every November.

SCHEDULE CALL

Schedule a brief call with a Specialist

SEND MESSAGE

Questions about applying?
Send us a message

MEMBER SERVICES

781.455.6500

HOURS

Monday—Friday

8:00am-5:00pm

Saturday

8:00am-1:00pm

HOW DO I TRANSFER A BALANCE?

1. Log in to Online Banking or our Mobile App 
2. Hover over Menu item "Tools"
3. Select "Card Management"
4. Select your Visa Credit Card
5. Select "Balance Transfer"
6. Input Card Issuer Details and Submit!

Enroll in Online Banking >

ARE THERE ANY FEES ASSOCIATED WITH MY DIRECT FEDERAL VISA®?

If your payments are on time, there are no fees.

HOW CAN I GET CASH ADVANCES USING MY DIRECT FEDERAL VISA®?

You are eligible for cash advances by going to ATMs or banks that are part of the Visa network.

HOW DO I APPLY FOR A DIRECT FEDERAL VISA®?

It’s simple. Just complete our secure online application or call us at 781.455.6500.

WHAT IS THE CREDIT LIMIT ON A DIRECT FEDERAL VISA®?

You can apply for a credit limit of up to $25,000.

HOW CAN I INCREASE MY CREDIT LIMIT?

To increase your existing credit limit, either complete our secure online application or give us a call at 781.455.6500.

HOW LONG WILL IT TAKE TO RECEIVE MY DIRECT FEDERAL VISA® CARD?

Your Visa credit card is mailed on the third business day after your account is set up.

WHAT IS THE "NORMAL" INTEREST RATE ON A DIRECT FEDERAL VISA®?

The rate for Purchases and Cash Advances are currently 14.24%, 17.24%, or 18.00% based on your creditworthiness. The rate can vary monthly and is based on the Prime rate published in The Wall Street Journal.

CAN I PAY MY DIRECT FEDERAL VISA® BILL ONLINE?

Yes. You may pay your Direct Federal Visa bill online using any checking account.

HOW WILL WE CALCULATE YOUR BALANCE

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.

WHAT DO I DO IF I HAVE A LOST OR STOLEN CARD

Call 800.449.7728

WHAT ARE MY BILLING RIGHTS?

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

Equal Opportunity  Lender.
Your savings are 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.

Privacy Policy

© 2023 DIRECT FEDERAL CREDIT UNION