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Borrow up to $2,000!
Instant cash with no credit check!

Borrow up to $2000!

Life’s expensive.
Don’t let that get in the way of what’s important.

Summertime Loan

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Visa® Rewards

APR as low as
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Home Equity Fixed

APR as low as
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Summertime Loan

APR as low as
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Visa® Secured

APR as low as
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Send money directly to their bank account with Zelle®
Receive the cash you need, when you need it, with no credit check requirement!
Get rewarded for each dollar you spend when you purchase with our Visa® Rewards Card!
Get them the supplies they need to be successful! Borrow up to $2000. 7.20% APR. 12 month term. Certain restrictions apply. Click to learn more.

Tap into your home’s unused equity for whatever your financial needs are!
Moving can be stressful and expensive, but it doesn’t have to be! Let us help.
Uncertain about your Financial Future? Now’s the time to whip your finances in shape!

News & Updates

Meet Your New Democracy FCU Mobile Banking App

Download our updated app to see what’s new!

Learn More

Zelle® is here!

Millions of people send money with Zelle®

Learn More

We’ve Updated Our Call Center!

Our new call center flow lets you get to what you want faster.

Have you read our DFocus Summer Newsletter?

Learn about all things Democracy FCU happening this summer.

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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

3 Years

M. Mejia

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