Loans and Credit Cards / Auto Loans

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  • Auto Loans

    When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, 100% financing and great service. Plus, our discounts for Member Loyalty and our New Members help you save even more! Get pre-approved for your loan from Democracy FCU before you visit the dealership. You can upgrade your ride and save hundreds!

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  • New Auto1 Loans

    Rates effective October 17, 2017October 03, 2017October 03, 2017

    Term Loan Amount APR2 (as low as) Monthly Payment per $1,000 Borrowed Amount
    60 Months Up to $15,000 1.35% $17.24 Up to 125% of MSRP to include tax, tags, warranties and GAP
    72 months $15,000 to $35,000 2.05% $14.77 Up to 125% of MSRP to include tax, tags, warranties and GAP
    84 months $35,000+ 3.30% $13.35 Up to 125% of MSRP to include tax, tags, warranties and GAP
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1 A New Auto are untitled autos or current year models.

    2 Annual Percentage Rate. The New Auto rates 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 1.50%. 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.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Used Same as New1 Auto Loans

    Rates effective October 17, 2017October 05, 2017October 05, 2017

    Term Loan Amount APR2 (as low as) Monthly Payment per $1,000 Borrowed Amount
    60 Months Up to $15,000 1.35% $17.24 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    72 months $15,000 to $35,000 2.05% $14.77 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    84 months $35,000+ 3.30% $13.35 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1 A Used Same as New Autos includes model years are untitled autos or current year models 2015, 2016, and 2017.

    2 Annual Percentage Rate. The Used Same As New rates 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 1.50%. 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.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Used Auto1 Loans

    Rates effective October 17, 2017October 05, 2017October 05, 2017

    Term Loan Amount APR2 (as low as) Monthly Payment per $1,000 Borrowed Amount
    60 Months Up to $15,000 1.75% $17.42 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    72 months $15,000 to $35,000 2.65% $15.04 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    84 months $35,000+ 3.65% $13.51 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1 A Used Auto includes model years 2010, 2011, 2012, 2013, and 2014.

    2Annual Percentage Rate. The Used Auto rates 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 1.50%. 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.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Become a Member

    Not a Member? Sign Up Today!

    Interested in becoming a member of Democracy FCU and enjoy low interest rates on your next auto loan? Sign up today!


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  • Auto Loan Resources

    • Guaranteed Auto Protection (GAP): Pays off your loan balance if your car is stolen or damaged beyond repair. You can pay a low, one-time fee or add it to your vehicle loan at any time.
    • Auto Advantage Program: Complimentary deductible reimbursement with the purchase of GAP.
    • Extended Warranty: Protection from budget-busting vehicle repairs – no need to pay up front or submit reimbursement forms.
    • TRUECar: Your one-stop shop for buying your next vehicle. Search for the vehicle you want, pick the price you want to pay and apply for financing from your trusted Credit Union.
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