Credit Union in DC, VA, & MD

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Home Equity Loan

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.

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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

High-Yield Checking

Fall into 4% APY with our Kasasa High Interest Checking account. With rising costs and the busy fall season ahead, don’t let inflation drain your bank account. Level up with a smart, rewarding way to bank—especially when every dollar counts.

Learn more about high-yield checking

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.

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News & Updates

Beware of fall fraud

Scammers are constantly finding new ways to target our members. Know what we will and won’t call or ask of you to ensure that fraudsters can’t impersonate us successfully.

Protect Yourself

Our C Street branch has officially reopened

We missed you and are excited to have our doors reopened to connect with the community.

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Employee Highlight - TeTee Bestman

Our people are the heart of everything we do. Celebrating their dedication, passion, and the unique ways they make a difference for our members and community.

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What's going on at DFCU

We are excited about getting out in the community. Tap into our social media to see where we’ll be near you!

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The 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

Jacqualine Brooks – Proud Member Since 2013 (12 Years Strong!)

I’ve been a member of Democracy Federal Credit Union since 2013, and this experience reminded me why. Ms. Franklin was awesome, she explained everything clearly, was extremely patient, answered all my questions, and worked diligently to expedite the process. She even emailed and called to keep everything moving quickly. She found me the best rate, much lower than what I was seeing elsewhere, which saved me money right away. I truly appreciate her professionalism. I’m grateful to be part of a credit union that genuinely cares!

TaShawn Wheeler – Proud Member Since 2016 (9 Years and Counting!)

I’ve been with Democracy FCU since 2016, and my recent loan experience was another reason I love being part of this credit union. My loan rep was phenomenal, absolutely the best! I received an interest rate that was lower than commercial loans, which instantly saved me money. The process was easy and efficient. DFCU really does go above and beyond for their members, and I’m proud to be one of them!

D. Nicks – Proud Member

Democracy Federal Credit Union was efficient, helpful, and supportive throughout my loan process. They treated me like more than just a number, which is something you don’t find at big banks. I appreciated the way they handled everything with care and transparency. I’m thankful for their help and happy to be a member!