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Want to lower your vehicle loan payment?
Applying made easy!

Make it a sweet summer!

With a Summertime Loan from Democracy!

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

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Featured Rates

Auto Refinance

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Summertime Loan

APR as low as
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9-Month Add-On Share Certificate

APY of
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Home Equity Loan

APR as low as
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Featured Offers

Sweet sweet summer!

Make your summer sweet with a Summertime Loan!

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Your home may have untapped cash!

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

Learn More About Home Equity Loans

Drive down your monthly auto payment!

Save big every month by refinancing your auto loan with Democracy FCU! That’s more cash to put toward the things that matter.

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Drive with peace of mind.

GAP (Guaranteed Auto Protection) is a supplemental benefit that pays off your loan balance on a financed or leased vehicle if it is stolen or damaged beyond repair.

Learn More About GAP

Getting digital help is just a click away with our Digital Branch!
Repay friends quickly and easily with Zelle®, wherever they bank in the U.S.
Deposit checks directly and securely right from your smartphone!

News & Updates

Democracy FCU Board Elections Notice

Want to be part of our Board?

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We’ve raised our Share Certificate rates!

Save more, earn more!

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Contact us through our Digital Branch!

Receive help right from our digital platforms.

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Our Spring ’23 DFocus Newsletter is here!

Read about what’s in store 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


Financial Services Specialist


Director of Branch Operations


Financial Services Assistant

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

*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.