Credit Union in DC, VA, & MD

Trending Now

Featured Offers

Home Equity Line of Credit

Turn your home’s equity into opportunity. Whether you’re planning a big renovation, consolidating debt, or covering life’s major expenses, a Home Equity Loan gives you affordable financing with flexible options and competitive rates. Your hard work has built value in your home — now let it work for you.

Learn More About Heloc

IRA CDs

Tax time is back, which means prior year contributions need a home.

Try our high-yield IRAs on for size!

Learn more today!

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!

cut my rate in half

Everyday Access Line of Credit Rates

Facing financial uncertainty? We’ve got your back. From job loss to surprise expenses, life can throw the unexpected your way. Reclaim a flexible, affordable way to get the support you need, when you need it most. Take control of your financial future.

learn more and get started

Hope & Relief Consolidation Loan

You're not stuck. You're supported.

Let us help you regain control, reduce stress, and rebuild financial hope.

apply for a hope & relief consolidation loan

News & Updates

Our 1st Quarter D’Focus Newsletter is coming soon!

News, updates & more!

New Year's Financial Check in with Delta

Start the new year off right!

request an appointment with delta

New Silver Hill Branch Hours

New Saturday hours!

Check them out!

What's going on at DFCU

We are now on TikTok!

See our latest news

The Democracy FCU Difference

Buying power of members achieving their financial freedom

0

Staff years dedicated to supporting our members financial freedom

0

Average member credit score increase after working with our financial counselors

0

Member testimonials

Debt Consolidation Member

Democracy Federal Credit Union truly changed my financial situation for the better. By helping me consolidate my debt, they eliminated overwhelming credit card payments and gave me real breathing room each month, saving me approximately $1,000 per month. What stood out most was the people. Ms. Franklin and Ms. Kayla Wade were incredibly professional, caring, and truthful throughout the entire application and approval process. Their support, warmth, and attention made me feel right at home. Thanks to Democracy FCU, I now feel confident, supported, and on a much stronger financial path. I’m genuinely grateful to have worked with such an outstanding team.

Loan Member

Democracy Federal Credit Union has always been there for me. They’ve saved me an incredible amount of time by making the process simple, efficient, and stress-free. Ms. Franklin is always excellent,she consistently goes above and beyond to help and provide opportunities that improve my financial well-being. Because of Democracy FCU, I’ve been able to stay financially sound and feel supported every step of the way. I truly appreciate the care, cooperation, and dedication shown by Democracy FCU and their team.

Auto Loan Refinance Member

Refinancing my auto loan with Democracy Federal Credit Union was a smooth and timely experience. The process was handled quickly and professionally, saving me both time and money. Thanks to the refinance, my monthly payment was reduced by $57.03, which made a real difference in my budget. Ms. Franklin was outstanding throughout the entire process—professional, knowledgeable, and genuinely helpful. I truly appreciate the level of service and care I received. Democracy FCU made refinancing easy, and I couldn’t be happier with the experience.

A New Year. A Stronger Financial Future.

Home Page