--- title: "Direct Credit Union Rates - Massachusetts" description: "Current mortgage, and savings & cd rates from Direct Credit Union in Massachusetts. Updated daily with source verification. See who can join Direct Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/direct" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Direct Credit Union Rates - Massachusetts ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.053% | — | Standard | Direct Credit Union mortgage rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **High-Yield Savings** savings | — APY | 3.50% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.70% | 6 mo | Standard | Direct Credit Union savings & cd rates as of November 13, 2026 Direct Credit Union is a credit union in Massachusetts. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/direct) , verified from [Direct Credit Union's official website](https://www.direct.com/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Common Trust** Wellesley Branch · Wellesley · MA · 02482 About 3.2 miles away](https://rateapi.dev/credit-unions/massachusetts/common-trust) [**Hanscom** West Roxbury · West Roxbury · MA · 02132 About 3.5 miles away](https://rateapi.dev/credit-unions/massachusetts/hanscom) [**Energy** Spring Street · West Roxbury · MA · 02132 About 3.7 miles away](https://rateapi.dev/credit-unions/massachusetts/energy) [**City of Boston** WEST ROXBURY · WEST ROXBURY · MA · 02132-4302 About 3.8 miles away](https://rateapi.dev/credit-unions/massachusetts/city-of-boston) [**Tremont** Roslindale Branch · Roslindale · MA · 02131-3021 About 5.2 miles away](https://rateapi.dev/credit-unions/massachusetts/tremont) [**Dedham Town Employees** DTEFCU · DEDHAM · MA · 02026 About 5.2 miles away](https://rateapi.dev/credit-unions/massachusetts/dedham-town-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Direct Credit Union Membership eligibility from Direct Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Direct Credit Union's website. Check the membership page below to confirm whether you qualify. - Location norfolk, middlesex — MA Verified from [Direct Credit Union's membership page](https://www.direct.com/about) . Final membership determination is always made by the credit union. ## Membership rules for Direct Credit Union Geography 2 counties · Family 11 published paths to membership, last verified August 27, 2026, quoted from Direct Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Middlesex County, MA - Norfolk County, MA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Orange County, CA; Norfolk County, MA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Membership of Direct Federal is open to anyone who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties; or has an immediate family member that fulfills one of those requirements.” > [source ↗](https://www.direct.com/about) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Direct Credit Union? Yes No ## 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. - See which AI assistants fetched Direct Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=direct&state=massachusetts&code=MA&name=Direct%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Direct Credit Union offer? Direct Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 13, 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 November 13, 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. ### Who can join Direct Credit Union? Direct Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 2 counties for Direct Credit Union, each quoted from Direct Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Direct Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts mortgage rate leaders](https://rateapi.dev/mortgage-rates/massachusetts) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.direct.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Direct Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## 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" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Direct Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/direct Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp