For full functionality of this site it is necessary to enable JavaScript. Here are the instructions how to enable JavaScript in your web browser.
Important Information
close
Direct offers Home Equity Lines of Credit up to $500,000 on your primary residence. You will be required to purchase an appraisal for line amounts greater than or equal to $250,000

Application Cancelled

CU logo

Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Applicant Information

CU logo
Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Physical Address
Property Address
Identification
Financial Information



Upload Documents

If readily available, please attach a copy of your current paystub and/or W2.
(Not required to submit application)

Expected Monthly Expense
Additional Information

GENDER*


Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

Almost Done

CU logo
Almost Done
Please complete the account funding to activate your account.
Apple Pay button
Funding later may delay account activation

Almost Done

CU logo
Almost Done
Please complete the account funding to activate your account.
Funding later may delay account activation

Congratulations

CU logo

Funds Pending

CU logo

Almost Done

CU logo
Almost Done
Please complete the account funding to activate your account.
Funding later may delay account activation

Congratulations

CU logo

Funds Pending

CU logo

Document Upload Source Selector

close
Document Upload Button
Document Capture Button

Document Upload Source Selector

close
Document Upload Button
Document Capture Button

Co/Joint Applicant Information

CU logo
About Your Additional Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Contact Information
Current Address
Identification
Financial Information



Upload Documents

If readily available, please attach a copy of your current paystub and/or W2.
(Not required to submit application)

Additional Information

GENDER*


Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

Review and Submit

CU logo
Review and Submit
Home Equity Loan Information
Additional Loan Information
Applicant Information
Applicant Contact Information
Address
Property Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Eligibility

Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.

My employer is enrolled in the Direct at Work Program
Direct at Work Employer
I live, work, worship or attend school in Norfolk or Middlesex County
My immediate family member or household member who lives, works, worships or attends school in Norfolk or Middlesex County
If I am not approved for the above loan product,
Please answer the following question(s)

Would you like to enroll in e-Statements and e-Notices?

View Disclosure*
Is Property in a Trust, Leased Land or a Life Estate*
How many units in property?*
Do you have mortgages on any OTHER properties?*
Are there any other owners of record on the property?*
Is the property a condo?*
Condo Association Name*
Direct Federal offers specific products, and in some cases pricing benefits, to members who live in households with annual income less than $60,000. Do you qualify for this program?
How did you hear about us?
What is the full name of the person who referred you?
What is the address of the person who referred you?
What is the Direct Federal employee's full name?
What is your relation to the Direct Federal employee?
Is this property your primary residence?*
Do you have an existing HUB Checking Account with Direct Federal?*
Will you be opening a HUB Checking Account with Direct Federal to receive an introductory rate of Prime minus 1.51% for the first 6 statement cycles? *
I agree to have Direct Federal open a HUB Checking Account on my behalf.*
I agree to the following for my HUB Checking Account:  1. Enrollment in Estatements and E-Notices View Estatement and E-Notice Disclosure 2. One (1) direct deposit per month OR Five (5) or more point of sale transactions per calendar month with my Debit Card 3. Auto Pay setup from HUB Checking to HELOC. *
Would you like your overdraft protection to include ATM and Debit Card transactions with our Courtesy Pay Plus program?

Review Basic Courtesy Pay & Courtesy Pay Plus >

If you select "Yes" to the Courtesy Pay Plus feature, please note that it will be automatically turned on after the account has been opened for 30 days. *
To receive the introductory rate of Prime minus 1.51% for the first 6 statement cycles, Auto Pay must be set up from your HUB Checking Account to your HELOC. Please make a selection below.*
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Protection that Matters

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products

Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?

Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.

Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?

MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.

Would you like more information about protecting your loan with GAP from your lender?

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.

Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email Agreements & Disclosures
close
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Email Agreements & Disclosures
close
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

One-Time Passcode

CU logo
One-Time Passcode

One-Time Passcode

CU logo