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Keep your car. Pay less monthly.
‘Tis the season for our Holiday Loan.
Early opening and closing - December 9

Applying Made Easy

Apply for our products in one click!

Apply Today

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Personalize Your Visit

Select a topic and let us find the best match to your financial need today

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Watch your money grow with our Certificate of Deposit Special!
Need extra cash for the holidays?
Car payment too high? We’ll cut your rate in half!

Light up the holidays with a holiday loan. Click to learn more and apply.

Is your monthly car payment too high?

Bring us your existing auto loan and we’ll cut your rate in half!*

Cut my rate in half!

Enhance Your Auto Insurance

Protect yourself from unexpected costs with Guaranteed Auto Protection (GAP).

Learn More

Got Mechanical Coverage?

Worry less about your auto mechanic bill! Democracy FCU offers Mechanical Coverage.

Learn More About Mechanical Coverage

Need home repairs for the winter?
Holiday shopping? Reward yourself with every dollar spent!
Send the gift of money with Zelle®.

Same Ride. Half the rate. Refinance your auto today. Click to learn more.

News & Updates

Live Chat is coming soon!

Chat with us right from our website, online banking platforms, and application sites.

Tap. Snap. Deposit.

Gift receiving made easy through our Mobile App.

Download Our Mobile App

Your website, tailored to your needs.

See the information you need faster and easier.

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Just in time for the Holidays!

Skip your December personal and/or auto loan payment(s).

Request to Skip-A-Pay

Check out our Winter DFocus Newsletter!

Learn about how we’re improving your member experience.

Read Now

The Gloria V. Bowden Building

Our headquarter building has been lovingly dedicated to the late Gloria V. Bowden.

The Democracy FCU Difference

Buying power of members achieving their financial freedom


Staff years dedicated to supporting our members financial freedom


Average member credit score increase after working with our financial counselors


Meet Your Financial Freedom Team

1 year

Ezra A.

3 Years

M. Mejia

3 Years

E. S.

18 Years

D. Payne

I Love Delta and the Finance Freedom team at DFCU.  Never been financially healthy before.  I was able to improve my credit report and scores so that I was approved for a loan producing savings savings and savings.

I am writing in regard to this three staff members Nazom K. Fudzie, Carlos Villarraga, and Delta Payne. That have went beyond the call of duty to assist me in my finance and my credit report. Delta assistance me with letter to my creditor and items was removed from my credit report. I start being available to get credit again. I was so excited.

I am pleased to state, I have accomplished my financial goals that entailed credit rebuilding and debt management on the guidance by Mrs. Delta M. Payne. Mrs. Payne, provided me a plan and resources to assist in meeting my financial goals of improving my credit report and scores. As it stands my Equifax credit score is 679 and has increased over 150 points since working with Mrs. Payne.

Mrs. Payne is an amazing financial counselor. I personally recommend her services to any wanting to increase their credit score. I was provided a plan and resources to reach my goal of credit repair, rebuilding, and reached all goals.  I increased my credit scores by 210 points.

The financial freedom teams at Democracy FCU assisted me in meeting my financial goals of improving my credit report and scores so that I was approved for a signature loan order to consolidate my debts and cause great savings.

D. Pegram

New Jersey

A Henderson


K. Scott


S. Teferra


B. Bailey


Credit Union in DC, VA, & MD

Democracy FCU is a member-owned financial credit union. As a credit union local to the metropolitan Washington, DC, area, we serve portions of MD and Northern VA within the boundaries of our community. Democracy Federal Credit Union commits to building lasting and fulfilling relationships with our members through our extensive financial products and credit union services. Membership means partnering with people who care about their community and the financial future of those living, working, serving, worshiping, or learning within it.

At Democracy FCU, we believe in financial freedom for all. As experienced credit union lenders, our finance freedom team understands that solutions are not one-size-fits-all and strives to reduce financial hardship.Local credit union members can manage their money with easy access to beneficial resources and custom products that fit their unique needs. Learn more about our exclusive services or apply for membership online today. 

Become a Member   Contact Us Today