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Eligibility

You will need the following for all applicants:

Non-expired government issued ID, Drivers License/State ID, or Passport

Funding Account Information (Routing and Account Number)

Social Security Number

MEMBERSHIP

To open an account at a credit union, you must be a member. To become a member of Direct Federal Credit Union, please select one of the eligibility statements below.

Select your eligibility

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

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Required Products

Select the following products required for membership

Member Savings

No Action Needed

Member Savings is required for all new accounts and has already been added to your cart. Direct will deposit $5.00 into this account to get you started.

APY: 0.10%

In addition, select one of the following products

Available Products

Money Market Certificate Account Checking

Rate-Lock Money Market

The minimum deposit to open a Rate-Lock Money Market Account is $.00 and there is a minimum daily balance of $25,000.00 to earn the stated APY. New Money Only (No internal transfers from an existing Direct Federal Credit Union account).

APY: 4.00% Min Deposit: $0.00

3 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 0.75% Min Deposit: $250.00

5 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 4.00% Min Deposit: $250.00

6 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

New Money Only. No Internal Transfers.

APY: 4.25% Min Deposit: $250.00

9 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 4.10% Min Deposit: $250.00

12 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.00% Min Deposit: $250.00

15 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.00% Min Deposit: $250.00

24 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.25% Min Deposit: $250.00

36 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.25% Min Deposit: $250.00

48 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.25% Min Deposit: $250.00

60 Month Certificate

Balances $100,000.00 or greater earn an additional 0.05% APY.

APY: 3.50% Min Deposit: $250.00

Hub Checking Account

FREE checking account with unlimited ATM fee reimbursements.

Requires e-Statements with either one (1) direct deposit per month or five (5) point of sale debit card transactions per month.

APY (Annual Percentage Yield)

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Description

Details

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Maturity Date

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We have cancelled your application.

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Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

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Transfer From Another Financial Institution (max $250,000.00)

Internal Transfer

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This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

Document Upload
(Not required)

Click or tap here to capture or upload an image or document.

Additional Information

GENDER*

Do you have any beneficiaries?

Yes

No

Do you have another applicant?

Yes

No

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

GENDER*

Continue Or Go Back

About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

Document Upload
(Not required)

Click or tap here to capture or upload an image or document.

Additional Information

GENDER*

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

Remove

Cancel

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Document Upload Button

Document Capture Button

Document Upload Button

Document Capture Button

Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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View Disclosure*

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?

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.

I have read and understand the Consent to Electronic Disclosure.

I have read and understand the Terms and Conditions.

Email Agreements & Disclosures

Your E-mail Address

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

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One-Time Passcode

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Authentication Questions

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Product Funding Limit Exceeded

The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.

Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

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