About Us- New

It's all about you.

At Democracy FCU, our members are the heart of everything we do. As a member-owned cooperative, your success is our success. We reinvest earnings to offer lower loan rates, competitive investment options, financial education, and exceptional service. Our doors are open to those who live, work, worship, study, or do business in Washington, D.C., and parts of Maryland and Northern Virginia. Together, we’re building a stronger financial future for our entire community.

We've come a long way...

DFCU timeline

Our commitment to you

Democracy Federal Credit Union is committed to building lasting relationships by exceeding our members' expectations with every interaction, every time, by delivering passionate service with a smile.

Become a Member

Membership Eligibility

Your success is our success... but what does that mean?

Passion

We are driven in heart and mind to go the extra mile for our work, our members, and each other.

Integrity

We do what we say we'll do.

Positive Attitude

We have the state of mind that envisions and expects phenomenal results.

Collaboration

We work together across the boundaries to meet the needs of our members - nothing else matters.

Commitment

We have relentless belief in our mission that translates into daily action.

Ownership

We take pride and responsibility for the work we do - it is a reflection of me, my team, and the members we serve.

Since 2016, Democracy Federal Credit Union has proudly maintained its status as a Community Development Financial Institution (CDFI), certified by the U.S. Department of the Treasury.

CDFIs are organizations with a clear mission to serve low-income and underserved communities. Through our CDFI status, we receive federal grants that are reinvested directly into our local neighborhoods, supporting financial inclusion, economic empowerment, and community well-being. This designation allows Democracy FCU to expand access to affordable financial services, offer specialized lending programs, and provide educational resources that help individuals and families build stronger financial futures. Despite recent administrative developments at the federal level, including notices of potential staff reductions at the CDFI Fund, the program remains funded through fiscal year 2026.

Our partnership with the Fund continues uninterrupted, and we remain committed to delivering impactful programs that align with our mission. At Democracy FCU, we believe that financial health is a cornerstone of a thriving community. Our CDFI certification is not just a title; it’s a reflection of our ongoing commitment to equity, inclusion, and opportunity for all.

Community

Involvement/Governance/Diversity
At Democracy FCU, we’re all about keeping the spirit of community alive, rooted in the democratic principles that make credit unions special. We believe that everyone should have a voice—whether it’s through representation or volunteer participation in our activities. We’re committed to ensuring that our staff and volunteers reflect the rich diversity of our community.

Commitment to the Credit Union Movement
We’re proud to support and uplift our community by contributing financial and in-kind resources, and we advocate for the credit union difference, from local to national. Through our Community Give Back Program, we’re able to offer donations, food, and supplies to those in need, as well as assist our members with programs designed to ease financial hardships. Together, we’re building a stronger, more vibrant community!