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Now offering a Summertime Loan!
Need cash in a hurry?

A Summer Like No Other!

Make this a summer to remember
with Democracy FCU’s Summertime Loan.

Apply Today

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Auto Refinance

Cut your rate in
Apply Now

Home Equity Fixed

APR as low as
Apply Now

Summertime Loan

APR as low as
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Visa® Secured

APR as low as
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Summer, Summer, Summertime!
Want to lower your monthly auto payment?
Need cash in a hurry?

Buying a new car? Want to refinance?
Find out how much you can afford with an auto loan from Democracy FCU.

How much do you want to spend monthly?
Borrow for 66 Months
and you can borrow up to:
Loan Amount
Borrow for 78 Months
and you can borrow up to:
Loan Amount
Borrow for 84 Months
and you can borrow up to:
Loan Amount

Apply Today Contact Us to Get Started

Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

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

Auto Insurance

Take comfort in knowing you’re protected.

More Information

TrueCar makes car buying simple.

Direct Delivery, on your terms, the way car buying should be. See what others paid for the new car you want and buy with confidence.

Learn More About TrueCar

Our newest financial fitness video is here!
Send money directly to their bank account with Zelle®
Let's be friends!

News & Updates

2022 Annual Meeting of Membership

Save the date! Our 2022 Annual Meeting of Membership is to be held virtually on Thursday, July 28, 2022 at 11:00 AM.

Learn More

Zelle® is here!

Fast. Safe. Easy. Send and receive money with Zelle®.

Learn More

Online Banking is Getting an Update!

On May 24, your Online Banking experience will look and feel different. Don’t worry though, we’ll guide you through our new updates.

Learn More

Your DFocus Summer Newsletter is here!

Stay up to date on all things Democracy FCU this Summer.

Read Now

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

14 Years

P. Goduco

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