We've Upgraded Your Online and Mobile Banking Experience! - Click for details
Here's how you will login OR register to the new interface:
1. NEW USERS (never signed into a DFCU Online Banking website before): Click the “Register” button below, accept the online banking disclosures and then continue with the enrollment process. Click here for your user guide.
2. EXISTING USERS (you have logged into your DFCU Online Banking account at least once on or before July 24): Enter your current username below and click "Login." Follow the prompts to enter the last six digits of your Social Security Number as your temporary password and follow the login process. Click here for your user guide.
Democracy FCU is committed to helping our members succeed financially. If your monthly debt payments excluding mortgage or rent is more than 20% of your income we urge you to seek help. Democracy FCU will help you enter a Debt Management Program, or work with you on alternative measures, such as debt consolidation and loan refinances to reduce monthly payments.
If you find yourself buried in unsecured debt from credit cards, personal loans, payroll loans, taxes or any debt that not secured with collateral, such as a house or car, our personal Debt Management Program can help. We are also committed to helping any members who want advice on how to build a successful financial future. You are eligible for help regardless of income level. And of course everything we do for you is confidential.
Our Debt Management Program offers you the financial advice and tools needed to create a stable financial future. Your new money management skills will last a lifetime: how to create a personal monthly budget to control and track spending; how to set financial goals you can achieve, how to manage your credit report, and how to have positive feelings and respect for money.
It could be your first step toward a debt-free retirement.
Financial counseling services are available to help members manage key financial decisions and events:
Pre-planning for a major purchase,such as a home or vehicle,can help members get a better loan rate and make sure the purchase fits into their life financial plans. Our lending experts help members :
The Debt Management Program helps members develop a plan to pay off unsecured consumer debt. Democracy FCU works with the member and the involved creditors to establish a payment plan. Debt consolidation allows members to combine most or all unsecured debt into one monthly payment,including credit card debt and other consumer loans.
If a member has difficulty managing payments the Financial Counselor helps the member analyze their financial situation including:
The Financial Counselor can help a member facing possible foreclosure to understand the process and determine a course of action:
To contact Delta Payne, Democracy Federal Credit Union Certified Financial Counselor, call 1-800-742-5582 ext 1865, direct dial (202) 488-5400 ext. 1865 or email email@example.com.