• New Auto1 Loans

    Rates effective November 01, 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 November 01, 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 November 01, 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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  • Boat Loans

    Rates effective November 01, 2017October 03, 2017

    Term Loan Amount APR1 (as low as) Monthly Payment per $1,000 Borrowed Amount
    Up to 72 months Up to $25,000 5.00% $16.10 Up to 100% financing of Purchase Price
    Over 72 months Over $25,000 6.00% $14.61 Up to 100% financing of Purchase Price
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1 Annual Percentage Rate. The Recreational Vehicle 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. 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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  • RV Loans

    Rates effective November 01, 2017

    Term Loan Amount APR1 (as low as) Monthly Payment per $1,000 Borrowed
    Up to 72 months Up to 100% of the purchase price 8.00% $17.53
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1Annual Percentage Rate. The Recreational Vehicle 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. 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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  • Student Line of Credit

    Rates effective November 01, 2017

    Maximum Financed Maximum Repayment Comments
    Up to $75,000 Up to 25 years based on balance at the time of repayment For rates and to apply online go to democracyfcu.studentchoice.org or call the DEMOCRACY FCU Student Choice call center at 855.895.8708.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Certificate-Secured Loans

    Rates effective November 01, 2017

    Account Type APR Term Amount
    Certificate-Secured Loan Rate charged will be 3.00% above dividend rate paid. Minimum 4.00% Term of Loan not to exceed the earliest maturity date of Certificate(s) Value of Certificate(s) pledged
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *Term not to exceed the earliest maturity date of certificate.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Credit Cards

    Rates effective November 01, 2017September 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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  • Home Equity Loans

    Rates effective November 01, 2017October 05, 2017October 03, 2017October 03, 2017October 03, 2017October 03, 2017

    Term Loan Amount APR1 (as low as) Maximum LTV Monthly Payment per $1,000 Borrowed
    5 years $250,000 maximum 4.50% 85% $18.64
    7 years $250,000 maximum 5.00% 85% $14.13
    10 years $250,000 maximum 5.50% 85% $10.85
    15 years $250,000 maximum 6.50% 85% $8.71
    10 years $250,000 maximum 4.50% 80% $10.36
    15 years $250,000 maximum 5.00% 80% $7.91
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Properties must be owner occupied. Other restrictions apply. (See Product Overview for full details)

    1APR = Annual Percentage Closing cost will be paid by lender. If loan is paid off within 36 months the member will be required to reimburse Democracy FCU for closing costs paid on the member’s behalf. No application fee. Subject to credit and collateral approval.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Home Equity Line of Credit

    Rates effective November 01, 2017

    Line Amount APR1 (as low as) Payment Maximum LTV
    $250,000 maximum Variable APR1 of Wall Street Prime 4.25% as printed in the Wall Street Journal on the last business day of the previous quarter. 1.50% of the outstanding balance on the last day of each month. 85%
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Properties must be owner occupied. Other restrictions apply. (See Product Overview for full details)

    1APR = Annual Percentage Closing cost will be paid by lender. If loan is paid off within 36 months the member will be required to reimburse Democracy FCU for closing costs paid on the member’s behalf. No application fee. Subject to credit and collateral approval.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Line of Credit

    Rates effective November 01, 2017

    Account Type APR Amount
    Line of Credit Low as Variable Rate of Wall Street Prime + 6% (10.25%) $30,000 maximum
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *The ANNUAL PERCENTAGE RATE (APR) will change on the 1st day of each quarter (January, April, July, and October) based on the interest rate Index. The Index is the Prime Rate published in the Wall Street Journal on the last day of each quarter plus a margin of 6%. The APR will never be more than 18.00% or the maximum rate allowed by NCUA, whichever is less. Any increase in the annual percentage rate as a result of an increase in the Index will result in higher payments.Your monthly payment for a variable rate line of credit balances will be 2% of the outstanding balances, however, your minimum payments will never be less than $10.00.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share Draft Overdraft

    Rates effective November 01, 2017

    Account Type APR Amount Comments
    Share Draft Overdraft 17.50% Up to $2,500 Monthly payment will be $15 for each $500 or fraction of $500 of your loan balance.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share-Secured Loans

    Rates effective November 01, 2017March 01, 2017

    Account Type APR Term Amount
    Share-Secured Loan Rate charged will be 3.00% above dividend rate paid. Minimum 4.00% 72 months (consumer purposes) Value of shares pledged
    Share-Secured Loan Rate charged will be 3.00% above dividend rate paid. Minimum 4.00% 144 months (non-consumer purposes) Value of shares pledged
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS******DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Signature Loans

    Rates effective November 01, 2017

    Term Loan Amount APR1 Maximum APR Monthly Payment per $1,000 Borrowed
    Up to 72 months $100 to $30,000 As low as 7.99% 18.00% $17.53
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    1Annual Percentage Rate. The Signature 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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  • Share Account

    Rates effective November 01, 2017September 01, 2017

    Account Type APR APY Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Regular Share 0.00% 0.00% $5.00 None $5.00 Balances of less than $100.00
    Regular Share 0.05% 0.05% $5.00 None $5.00 Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Primary Membership Account Required to Join. The dividend rate is equal to the annual percentage rate for all savings accounts. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. 

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Share Draft Checking

    Rates effective November 01, 2017August 01, 2017

    Account Type APR APY Min. Deposit Min. Balance Comments
    Share Draft Checking 0.00% 0.00% None None All Balances
    Interest Bearing Checking 1.00% 1.00% None None 1.00% APY on balances up to $10,000. 0.20% APY on balances over $10,000.
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    *First 50 checks are free. No monthly fees.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Money Management

    Rates effective November 01, 2017May 01, 2017May 01, 2017May 01, 2017March 01, 2017March 01, 2017

    Account Type APR APY Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Money Management 0.00% 0.00% None None None Balances of less than $1,000.00
    Money Management 0.15% 0.15% None None $1,000.00 Balances of $1,000.00 to $10,000.00
    Money Management 0.20% 0.20% None None $10,000.01 Balances of $10,000.01 to $25,000.00
    Money Management 0.30% 0.30% None None $25,000.01 Balances of $25,000.01 to $50,000.00
    Money Management 0.35% 0.35% None None $50,000.01 Balances of $50,000.01 to $100,000.00
    Money Management 0.40% 0.40% None None $100,000.00 Balances over $100,000.00
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Holiday Share

    Rates effective November 17, 2017November 01, 2017

    Account Type APR APY Comments
    Holiday Share 0.00% 0.00% Balances of less than $100.00
    Holiday Share 0.15% 0.15% Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    No minimum deposit, minimum balance, or minimum additional deposits. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. 

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Vacation Share

    Rates effective November 17, 2017November 17, 2017

    Account Type APR APY Comments
    Vacation Share 0.00% 0.00% Balances of less than $100.00
    Vacation Share 0.15% 0.15% Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    No minimum deposit, minimum balance, or minimum additional deposits. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Individual Retirement Accounts

    Rates effective November 01, 2017September 01, 2017March 01, 2017March 01, 2017November 03, 2014November 03, 2014November 03, 2014

    Account Type APR APY Term Min. Deposit Min. Addtl. Deposit Min. Balance Comments
    Traditional / Roth IRA / Coverdell Education Savings Variable Rate Share 0.50% 0.50% N/A None None None Balances of less than $3,500.00
    Traditional / Roth IRA / Coverdell Education Savings Variable Rate Share 0.75% 0.75% N/A None None None Balances of $3,500.00 and over
    Traditional / Roth IRA Certificate 1.05% 1.05% 12 months $500.00 $25.00 $500.00 -
    Traditional / Roth IRA Certificate 1.50% 1.50% 36 months $2,000.00 $25.00 $2,000.00 -
    Traditional / Roth IRA Certificate 2.00% 2.02% 60 months $2,500.00 $25.00 $2,500.00 -
    Coverdell Education Savings Certificate 1.00% 1.00% 12 months $500.00 $25.00 $500.00 -
    Coverdell Education Savings Certificate 1.50% 1.51% 36 months $500.00 $25.00 $500.00 -
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    APY = Annual Percentage Yield. Fees may reduce earnings on the account. Variable rates are subject to change after the account is opened. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

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

    Rates effective November 17, 2017November 17, 2017November 17, 2017November 17, 2017March 06, 2017March 06, 2017March 06, 2017

    Account Type APR APY Min. Balance
    3 Month Certificate 0.40% 0.40% $500.00
    6 Month Certificate 0.75% 0.75% $500.00
    9 Month Certificate 0.50% 0.50% $100.00
    12 Month Certificate 0.75% 0.75% $1,000.00
    24 Month Certificate 0.65% 0.65% $1,000.00
    36 Month Certificate 1.30% 1.30% $2,000.00
    60 Months Certificate 2.25% 2.25% $2,000.00
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Youth and Young Adult Generation APY Certificate

    Rates effective November 01, 2017March 01, 2017March 01, 2017

    Account Type Fixed APR APY Min. Deposit Min. Addtl. Deposit Min. Balance
    6 Month Certificate 2.00% 2.02% $100 $25 Certificate Balances of $100 - $499.99
    6 Month Certificate 2.10% 2.12% $100 $25 Certificate Balances of $500 - $999.99
    6 Month Certificate 2.20% 2.22% $100 $25 Certificate Balances of $1,000 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Youth/Young Adult Generation APY Certificates are available to any member under age 18. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***
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  • Youth and Young Adult Shares

    Rates effective November 01, 2017March 01, 2017

    Account Type APR APY Comments
    HEWEY Shares 0.30% 0.30% Balances of less than $100.00
    HEWEY Shares 0.40% 0.40% Balances of $100.00 and over
    ***DISCLAIMERS MUST BE UPDATED ON A PAGE BY PAGE BASIS***

    Available to eligible children from birth to 12 years old. A regular Share Account must be opened and maintained along with this sub-share. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.

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