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Save with our NEW 3-month Share Certificate Special!

5.00% APY*

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Featured Offers

Summertime Loan

With flexible terms and personalized support, a Summertime Lifestyle Loan helps make your dreams a reality.

Learn More and Apply

Invest in your future.

Whether you’re saving for travel, college, or a new home, our 9-month Add-On Share Certificate can help!

Learn more today!

Personal Loans

Personal Loans 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

Featured Rates

9-Month Certificate

Add-On APY of
4.50%
More information about our CD Special

Lifestyle Loan

APR as low as
8.00%
Apply for a Lifestyle Loan

Visa® Secured

APR as low as
7.90%
Apply for a VISA Secured

3 Month CD

APY of
5.00%
More Information

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

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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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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.

Member

A Henderson

DC

K. Scott

Maryland

S. Teferra

Virginia

B. Bailey

Maryland

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.