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Credit Card

VISA® Card Options

Whatever you need in a credit card, we’ve got you covered!

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.

VISA® Classic

A fixed-rate credit card with a steady rate and no surprises!

Secured VISA®

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.

Redeem Visa Reward Points Here

Balance Transfers

Transfer balances from other financial institutions and retailers to Democracy FCU's low variable rate.

    All credit cards are eligible for balance transfers.

    Credit Card Rates

    Table data for Credit Card Rates
     Rates effective 11-30-2021
    Account Type APR (as low as)1 Maximum Financed Comments Visa® Disclosure Alert Me
    VISA Rewards2 9.25%–17.25% Variable $30,000 Rewards Points

    Visa® Credit Card Disclosure

    Visa Classic 14.90% $5,000

    Visa® Credit Card Disclosure

    VISA Secured 7.90% $10,000 Funds will be held in share account

    Visa® Credit Card Disclosure

    Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change.
    • 1APR= 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.
    • 2Variable rate of Wall Street Prime + 6% .

    Credit Card Resources

    • Report a lost or stolen credit or debit card

      Call 800-449-7728

    • Estimate Your Savings if You Switch to the Visa® Rewards Credit Card

    • VISA reward FAQ's

      Democracy VISA Rewards Frequently Asked Questions

      • What are the VISA Rewards Limits?
        $500.00 - $30,000.00 maximum.
      • How many points do I earn?
        You earn 1 point for every dollar spent.
      • How many points do I have to accumulate before I can redeem my points for cash, make a payment to the Democracy FCU VISA Rewards Card, or purchase a Gift Card?
        A minimum of 5,000 points is required to redeem points.
      • Once I make a request, how long does it take to receive the money, payment or Gift Card?
        7 to 10 business days. (Generally no later than 3 business days.)
      • How will I know that my deposit has been made to my account?
        The credit to your account will have the following comment: CO: Award HQ Type P2C
      • Is the VISA Rewards Credit Card a variable rate?
        Yes, and the rate will change when the Prime Rate changes.
      • When do my points expire and will I be notified prior to that date?
        Points expire in 5 calendar years, and notification will be listed on your monthly statement.
      • How do I redeem my points?
        Redeem points
    • Verified by VISA®

      Protect your VISA® credit and debit cards when you shop online with Verified by VISA®

    • Over the limit coverage

      If you want us to authorize transaction that will go over your credit limit, download the Over the Limit Fee Opt in Form and either mail to the address on the form or fax it to Card Services at 571-527-2343

    • Disclosures