Branch availability

Appointments are no longer necessary

Our branch, located in Needham, is open for walk-ins.


Monday-Friday | 8am-4pm

Saturday | 8am-1pm


Monday-Friday | 8:00am-5pm

Saturday | 8am-1pm

Ways to bank with us

Direct Federal has an array of digital and alternative channels listed below that allow you to bank with us wherever, whenever, and however you would like. Whether depositing money at our branch, or through one of the channels below, you are able to access the first $1,000 of any check deposit immediately. 

Online and Mobile Banking

It’s a free and easy way to check account balances, transfer funds, make loan payments, apply for loans and new accounts, pay your bills, and more from your desktop or mobile device 24 hours a day, seven days a week. With our mobile app, you can even electronically deposit checks. To allow you flexibility when making mobile deposits, we have increased our daily check limit from $5,000 to $10,000 and our monthly limit from $25,000 to $50,000. If you don’t yet have Online Banking, please give us a call or register here

Contact Center

Our Member Service Team can handle almost any banking need over the phone. We can be reached Monday through Friday from 8:00 am to 5:00 pm and Saturday from 8:00 am to 1:00 pm by calling 888.2DIRECT

Bank by Mail

Our convenient Bank-By-Mail Deposit Form makes it easy to deposit checks of any amount to your Checking, Savings, and Money Market Accounts, or even open a Certificate of Deposit. Every time you send in a deposit, we’ll post your check to your account the day we receive it – then send you a confirmation. 

ATM Finder


We are a member of both the Co-Op Network and the NYCE Network. The Co-Op Network allows surcharge-free withdrawals and check deposits of any amount at nearly 30,000 ATMs nationwide. The NYCE Network has hundreds of ATM locations in Massachusetts and New England. To allow you greater flexibility when using your ATM and Debit Card, we have increased our daily withdrawal and point of sale transaction limit to $2,000.

CO-OP ATM Finder > 

  • Surcharge-Free Cash Withdrawals 
  • Surcharge-Free Check Deposit 

NYCE ATM Finder >

  • Cash Withdrawal
  • Check and Cash Deposits (in select locations)

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.

50 Cabot St.

Needham, MA 02494