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Credit and Debit Card Issuance

Check out our unbelievable new CD specials.

9-Month Add On | 4.50% APY*

*APY= Annual Percentage Yield. New money only.

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Featured Rates

5 Yr Easy Equity

APR as low as
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Debt Consolidation

APR as low as
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9-Month Add On CD

APY of
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Featured Offers

Consolidate your high-interest debt!

With an easy-to-make monthly payment, you can consolidate your credit card and loan debt(s) into one low-interest rate loan.

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You work hard. So should your money!

Learn more about our incredible Certificate Specials.

9-Month Add-On | 4.50% APY*

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CASH-N-GO is money when you need it.

Need to increase your cash flow? Apply for our CASH-N-GO Loan with no credit check!*

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Easily deposit checks into your account with the Democracy FCU App!
Send money to friends and family directly from our app with Zelle®
Manage your accounts from anywhere you have internet!

News & Updates

Democracy FCU Gives Back

DFCU celebrated the holidays by giving back to local communities.

Welcome to your digital branch!

Live Chat: Coming Soon!

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Your Democracy FCU Website, Personalized

See the information you need faster and easier.

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Our Winter ’23 DFocus Newsletter is here!

Read about what’s new at Democracy FCU.

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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

1 year

Ezra A.

3 Years

M. Mejia

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