Loan Services and Promotions / Holiday Credit Card Promotion

  • Get Rewarded for Shopping this Holiday Season!

    • The more you use your Democracy FCU Visa Credit Card, the more cash you can win1!
    • Enjoy 0% APR2 for 12 months when you transfer balances for no fees!
    • 3,000 bonus rewards on $1,000 spent on first 90 days3on the Democracy FCU Visa Rewards Credit Card!


    (1) Only one entry per member based on the maximum threshold that is reached. VISA purchases will be totaled from November 1 - December 31, 2017 to determine which drawing each member will be entered. (2) 0% Annual Percentage Rate (APR) promotional Balance Transfer offer available on Visa Rewards Credit Card holders; balance transfer must be completed between November 1 and November 30, 2017 to qualify for 0% APR promotional offer. 0% promotional APR will apply to the balance transferred for 12 months; after the end of the 12 month period, the APR on the transferred balance will revert to the variable APR in place for your regular variable card rate. Other restrictions may apply. The total amount of your balance transfer request cannot exceed your available credit line. Please continue to make payments to your other account(s) until you know the transfer payment has been posted. Offer is effective as of October 15, 2017 and is subject to change without notice. Membership with Democracy FCU is required to obtain credit card account. (3) Limited time offer. Additional restrictions may apply. Subject to credit approval. 

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