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Refer-a-Friend and earn $25 each!*
Applying made easy!

Black Friday Deals

Holiday Loan

  • Up to $5,000
  • Rates as low as 6.49% APR*
  • 24 months to pay it off
  • Perfect for holiday travel, festivities, last minute expenses, and more!
  • Available November 1, 2022 – December 31, 2022

Apply for a Holiday Loan


  • $1,000 with proof of income required
  • $1,500 with a direct deposit of at least $138 within last 30 days
  • No Credit Check!*
  • Easy to apply
  • Same day cash
  • Helps you build credit
  • Emergency cash
  • Pay it back in 12 months*
  • 30 days membership

*Certain Restrictions Apply. $20 non refundable application fee.

Apply for Cash-n-Go

Auto Refinance

  • Rates as low as 5.00% APR*
  • No payments for 60 days
  • Amounts up to $60,000
  • Terms up to 72 months

Refinance Today

VISA® Rewards

Get rewarded when you shop! Every dollar you spend earns you one reward point. Redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.

Apply for a VISA® Rewards Credit Card

And don't forget to Skip-A-Pay today!!