NOTICE

Democracy FCU's Business Plan to the COVID-19 Crisis.

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.

Balance Transfers

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

    • No Balance Transfer Fee
    • Consolidate credit card bills to one payment, up to available credit limit
    • Democracy Federal Credit Union pays off other credit cards

    Visa® Rewards Balance Transfer Form

    Only the Democracy FCU Rewards Credit Card is eligible for balance transfers.

    Credit Card Rates

    Table data for Credit Card Rates
     Rates effective 04-04-2020
    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
    • 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?
        To redeem points, log in to your Online Banking.
        • Select Credit Card Access
        • Select Rewards
        • Select CU Rewards
        • Select Redeem Points (merchandise, travel, gift cards or cash)
    • 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 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.

    • Disclosures