Featured Rates

Auto Loans

As Low As



Step-Up Certificate

39 Month Special




30 Year Fixed



Boat & RV Loans

As Low As



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Thinking about an FHA Loan?

Direct Financial is offering a 4.0%* 30-year fixed rate (4.008% APR) on an FHA loan. FHA loans can be used to purchase or refinance a primary residence with low down payment and flexible underwriting guidelines.

* Rate quoted above is subject to change without notice, and is effective September 25, 2018. NEFCU NMLS #446767

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New Online Financial Education Resources!

At Direct Financial, we’ve always believed that everyone should have the knowledge and skills they need to manage their money wisely. So, we’re excited to announce an upgrade to our online financial education program that will make access to learning easier and more rewarding than ever before!

Royal Oak office

New Mortgage Center!

We are pleased to announce the opening of our new Mortgage Center, located at 916 South Main Street, Suite 200 in Royal Oak. The office will be open from 8:30 am to 5:00 pm, Monday through Friday. 

We have mortgage loan officers on site, ready to help you own the home you’ve been dreaming of. We look forward to seeing you!

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Introducing a 39-Month "Step-Up" Certificate

The Step-Up Certificate offers a fixed rate of 2.27% APY for a term of 39 months. Should dividend rates rise during the term of your Certificate, you’ll have a one-time option to “Step Up” to the higher rate (the prevailing 3-5 year certificate rate) for the remainder of the term.

To request the one-time increase, call us at 800.966.8200 or visit a branch.

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Direct Financial has the following position available:

  • Mortgage Loan Originator
    (Royal Oak, MI)