Whatever you need in a credit card, we’ve got you covered!
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.
A fixed-rate credit card with a steady rate and no surprises!
Build credit history or re-establish credit with our Secured VISA®. It’s secured by funds in your Democracy FCU Share Savings Account so the application process is streamlined.
Transfer balances from other financial institutions and retailers to Democracy FCU's low variable rate.
|Account Type||APR (as low as)1||Maximum Financed||Comments||Estimate Your Payments||Alert Me|
|VISA Rewards2||13.50%–18.25% Variable||$30,000||Rewards Points||Estimate Your Payment|
|Visa Classic||14.90%||$5,000||Estimate Your Payment|
|VISA Secured||7.90%||$10,000||Funds will be held in share account||Estimate Your Payment|
Democracy VISA Rewards Frequently Asked Questions
Protect your VISA® credit and debit cards when you shop online with Verified by VISA®
If you want over the limit coverage, and you want us to authorize transactions that go over your credit limit, download the Over the Limit Fee & Card Rates form and either mail to the address on the form or fax it to Card Services at 571-527-2343.