Banking is different at Directions

As a not-for-profit financial cooperative, Directions is different by design! Lower fees and better rates is just the beginning of a better way to bank.
RV Graphic

Auto & Recreational

Credit Card graphic

Credit Card

Checking & Savings graphic: dollar bill with right arrow icon

Checking & Savings

House graphic

Mortgage & Home Equity

Personal loan graphic: money sign with check mark in box

Personal Loans

Business Commercial graphic: contract and pen icon

Business Commercial

Business Rewards VISA 9.99%
Rewards VISA 9.99 - 17.24%

Interest Rates & Interest Charges

Annual Percentage
Rate (APR)
for Purchases
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
APR for Balance
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
APR for Cash
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
Paying InterestWe will not charge you any interest on purchases if you pay your entire balance
by the due date each month. The Interest Charge on cash advances begins
from the date you obtained the cash advance. The Interest Charge on balance
transfers begins from the date the transaction is posted to your account.
For Credit Card
Tips from the
Consumer Financial
Protection Bureau
To learn more about factors to consider when applying for or
using a credit card, visit the website of the Consumer Financial
Protection Bureau at


Annual FeeNo annual fee
Penalty Fees
Late PaymentUp to $25.00
Over-the-Credit-LineNo over-the-credit-line fee
Returned PaymentUp to $25.00
Military Lending Act DisclosureFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at 1-888-508-2228 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

How We Will Calculate Your Balance:

We use a method called “Average Daily Balance.” (Including New Purchases)

Credit disclosure is accurate as of 04/16/17 and is subject to change. To find out what
may have changed, call us at 1-888-508-2228.