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Our Kasasa Cash & Cashback rates are now higher than ever before!
4.00% APY*
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We're here to help.
The road ahead may feel uncertain, but you don’t have to face it alone.
Whether you’re struggling with job loss, depleted savings, or concerns about your financial future, Democracy FCU is here to help you prepare for brighter days. We’ve strengthened our services with your needs in mind—giving you the tools, resources, and support to take the next step forward.
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Featured Offers
Home Equity Loan
Did you know that a Home Equity Loan or Home Equity Line of Credit can be used to fund anything? Tuition, debt consolidation, groceries, cash flow, and more.
Same ride. Lower monthly rate.
While the price of everything seems to be rising we are here to help you save. We’re ready to cut your rate in half!
18 Month CD
When your funds need to grow in a safe place with guaranteed returns... Avoid the daily volatility of the market and find peace of mind in our 18-Month Share Certificate.
Move Me Loan
Whether you're relocating for new opportunities or forced to move due to life’s challenges, our Move Me Loan is here to ease the burden.
High-Yield Checking
These accounts offer a safe environment to help you earn and save more by maximizing your money with high yields, rewarding options, and a guaranteed return.
Everyday Access Line of Credit Rates
Whether you’re worried about losing your job, facing surprise expenses, or struggling to make ends meet some months, the Everyday Access Line of Credit is designed to help you stay financially afloat—no matter what comes your way.
News & Updates
Have you left behind an IRA or TSP with your former employer?
Take control of your future by transferring or opening a high-yielding IRA. Your future self will thank you!
IRA rates
Check out the 2nd Quarter D’Focus Newsletter
Our “We’re here to help” edition contains a way to stead your path in uncertain times.
Read it now
Our CD rates are high on purpose.
The market is in flux; both the haves and have-nots need options.
Learn More
We’ve redesigned 2 products just for you.
Check out our Everyday Access Line of Credit and Hope & Relief Consolidation Loan.
Check it outThe Democracy FCU Difference
Buying power of members achieving their financial freedom
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Staff years dedicated to supporting our members financial freedom
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Average member credit score increase after working with our financial counselors
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Member testimonials
*APR = Annual Percentage Rate. New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change.