Direct

50 Cabot St, PO Box 9123, Needham, MA 02494

NCUA Insured3.7 (144 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Needham, MA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

50 Cabot St, PO Box 9123

Needham, MA 02494

Google Maps 🗺Waze

(781) 433-2900

Service Area

This credit union is located in Needham and serves members in the MA area. Currently serving 23,250 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.76%

Used Auto Loan

6.84%

Personal Loan

14.72%

Credit Card APR

13.39%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Worcester— New Auto Loan

Worcester, MA

1.95%

Beverly Municipal— Used Auto Loan

Beverly, MA

1.99%

Norfolk Community— Personal Loan

Norfolk, MA

3.48%

Methuen— Credit Card APR

Methuen, MA

8.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.7

144 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Norman Harrow

2 months ago

As a new member I found their personalized service to be outstanding and their rates very competitive. I do the majority of my banking at one of their competitors, where I have been a regular member of 40+ years, but Direct Federal has really impressed me. My old CU was recently merged into a new outfit and if things do not go well with the merger I will make the switch to Direct Federal without reservation.

Ian Woods

6 months ago

Worst financing company you could possibly work with. I have loans with Toyota, Citizens, First Citizens, Nissan, And many other companies. Over 250k in financing. The only disrespectful company I’ve dealt with is Direct Federal When times got tough, they made sure to call and harass unlike the rest of the financial world. The rest of the world would give solutions and ways to get back. Cory Hinton is the main person you’ll be dealing with and his manager Mark when he’s requested. Marc Parent is the last line of direct federal before the CEO, so he abuses his power and will hang the phone up mid convo when he’s incorrect. All in all, I would never work with them after this loan is done in a year or so. They told me to write a letter to the CEO, but feel that was a misdirection instead of the formal complaint I requested to file. I wouldn’t put my money or loans in this bank. Here’s some better banking suggestions: First Citizens, Citizens, Nissan, Hyundai Finance, Chase, They all gave better interest rates off back with direct federal being the HIGHEST interest rate I’ve received. I got 4-6% for all my cars except direct at 9-10%. Buyer beware

Alexandra R.

8 months ago

Direct Federal Credit Union has always been a helpful and friendly place. I remember for years going in with my mom, while she made transactions. Now, I have my own accounts and recently had a smooth change over the phone in minutes.

Ken

6 months ago

They don't return phone calls. Been 2 weeks. Called again today. 32 person in que. They finally call back 2 hours . But said a manager would call in an hour. No call but i called again in 4 hours. Finally spoke to someone who got me a manager...understood the issue after looking into it. Followed up with more info about the fraud. She ..maureen was amazing. I give her 10 stars. She was so helpful..it just took a while but im pleased with her help. Thankyou

gary sparrow

8 months ago

I have been a longtime member of Direct Federal Credit Union (20 + years) and I couldn’t ask for better Customer Service and banking products - helping with great support, convenience - and addressing questions and resolving any issues in a timely manner !!