Direct Credit Union

Needham, Massachusetts
Last verified: August 4, 2026
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Verified rate book

Current Direct Credit Union rates

4 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

1 offer
Direct Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.801% APR6.801%Standard

HELOC rates

1 offer
Direct Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable5.740% APR5.740%Standard

Savings & CD rates

2 offers
Direct Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
High-Yield Savingssavings3.50% APY3.50%Standard
6-Month Certificatecd_6mo3.70% APY3.70%6 moStandard

As of August 4, 2026, Direct Credit Union offers a 30-year fixed mortgage at 6.801% APR. HELOC rates from 5.74% APR. Savings and certificate yields up to 3.70% APY.

Source: RateAPI.dev, verified from Direct Credit Union's official website

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About Direct Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
23.5K
Assets
$789.8M
Founded
1953
Locations reported
2
NCUA charter
9071
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • First-time homebuyer program

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Who Can Join Direct Credit Union

Membership eligibility from Direct Credit Union's own published criteria. How we verify this.

Community charter: live/work in Norfolk, Middlesex

  • LocationNorfolk, Middlesex

Verified from Direct Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Direct Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Direct Credit Union ranks against Massachusetts peers.

Frequently Asked Questions

What rates does Direct Credit Union offer?

Direct Credit Union currently offers mortgage, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Direct Credit Union rates updated?

RateAPI verifies Direct Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Direct Credit Union's rate data?

Rate data is collected directly from Direct Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Direct Credit Union's mortgage rate?

As of August 4, 2026, Direct Credit Union offers a 30-year fixed mortgage at 6.801% APR.

What is Direct Credit Union's HELOC rate?

As of August 4, 2026, Direct Credit Union offers home equity lines of credit from 5.74% APR.

What is Direct Credit Union's best CD rate?

As of August 4, 2026, Direct Credit Union offers savings and certificate (CD) yields up to 3.70% APY.

Related Rate Data

Compare Direct Credit Union's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Direct Credit Union rates

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Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Direct Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/direct" \
  -H "Authorization: Bearer YOUR_API_KEY"