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Purchases at your fingertips.

Learn about which credit card option best fits your spending habits.

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Featured Offers

Personal Loans

Personal are specifically designed to meet your changing needs. Use them for holidays, vacations, emergencies, and lifestyle, your choice. Receive one lump sum and pay it back in fixed monthly payments.

Apply for a Personal Loan

Got renovations planned this winter?

Use the equity in your home to fund big-ticket purchases like home renovations and more!

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VISA® Credit Cards

At Democracy FCU, we have the perfect card to fit your budget and lifestyle!

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Apply for a VISA Credit Card

Online & Mobile Banking

Manage Your Accounts
Get a quick glimpse of all your accounts and activity.

Send Money with Zelle®
Zelle® is a fast, safe, and easy way to send money directly between almost any bank or credit union account in the U.S.

Deposit Checks
Deposit checks from your phone from anywhere, anytime!

Card Controls
Control transactions processed on your debit/credit card(s).

Bill Pay
Make a quick single payment using the mobile app. You can also view all scheduled payments as well as your payment history.

Live Chat
Have a question about your accounts or the app? Connect with us through video, audio, or live chat directly in the app!

Transfer Funds
Transfer money between your accounts with a quick click of a button! You can also view your activity.

News & Updates

Read our Winter ’24 DFocus Newsletter!

Learn about all things Democracy FCU.

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Our latest video with Delta is available!

Available vs Current Balance

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Check out our higher Share Certificate rates!

Grow your financial future today.

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Fraud Prevention

Important security tips for the holiday season!

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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


Certified Financial Counselor


VP of Delivery Channels


Marketing Coordinator


Community Development Officer

My loan officer Kascha walked me through the process and kept me informed every step of the way. I was applying for a loan and Kascha saw they could provide a lower interest rate with a Debt Consolidation Loan - saving me almost $400 a month! Kascha was great! She went above and beyond what I ever experienced with a loan officer! Thank you!

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.


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

*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.