Featured Rates

Auto Loans

As Low As



Step-Up Certificate

39 Month Special




30 Year Fixed



Boat & RV Loans

As Low As



holiday closing image

The Credit Union will be closed on Thursday, November 22 and Friday, November 23 for Thanksgiving.

You can access your accounts 24/7 with Mobile Banking, NEFCUOnline, Text Messaging, ATMs or by calling Accountline.

yellow alarm clock on blue background

Start saving today with a 39-Month "Step-Up" Certificate

The Step-Up Certificate offers a fixed rate with 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.

H1 Woman Clapping

Direct Financial Seminars


House with yellow trees

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

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!