Loans and Credit Cards / VISA Credit Cards

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  • Balance Transfers

    Transfer balances from other financial institutions and retailers to Democracy FCU's low variable rate and have one low monthly payment.

    • No Balance Transfer Fee
    • Consolidate credit card bills to one payment, up to available credit limit
    • Democracy Federal Credit Union pays off other credit cards

     

    Choose the Democracy FCU Credit Card you'd like to transfer your balances to. Simply fill out the corresponding Balance Transfer Form and either fax it to (571) 527-2333 or email it to lending@democracyfcu.org

     

    Want to apply online? No problem. Click the button below to apply today! 

    Apply Today

    To Report a Lost or Stolen Visa 24/7, call 1-800-449-7728. 

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  • Credit Card Rates

    Rates effective December 01, 2017November 01, 2017

    Account Type APR Amount Comments
    Visa Rewards 10.25%-16.25% Variable $1,000 - $30,000 Rewards Points
    Visa Secured 7.90% Fixed $100 - $10,000 Funds Will Be Held in Share Account
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *APR= Annual Percentage Rate. Minimum monthly payment: 2.5% of your total new balance or $25 whichever is greater. (No interest on purchase balances paid within 25 days of the statement closing dates. Example: statement closing date 1/31, to avoid interest pay balance in full by 2/25.) See agreement for details.*

    ** The APR will vary with the marketing based on the prime rate.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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