Credit Cards

From Rewards to Classic to Secured, you'll find the perfect credit card for your budget and lifestyle.

VISA® Card Options

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

VISA® Rewards

Get rewarded when you shop with the Democracy FCU Visa® Rewards Credit Card! Every dollar you spend earns you one rewards point you can add up and redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.

VISA® Classic

If you’re interested in a fixed-rate credit card, take advantage of a steady rate and no surprises with our Visa® Classic Credit Card.

Secured VISA®

If you need to build credit history or re-establish credit, our Secured VISA® can help you build credit worthiness. 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 and have one low monthly payment.

  • 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

At this time, only the Democracy FCU Rewards Credit Card is eligible for balance transfers. Simply fill out the Balance Transfer Form below and either fax it to (571) 527-2333 or email it to

Credit Card Rates

Table data for Credit Card Rates
 Rates effective 11-17-2019
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

Information and Services

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

*0% Annual Percentage Rate (APR) promotional Balance Transfer offer available on Visa Rewards Credit Card holders. 0% promotional APR will apply to the balance transferred for 24 months; after the end of the 24 month period, the APR on the transferred balance will revert to the variable APR in place for your regular variable card rate. Other restrictions may apply. The total amount of your balance transfer request cannot exceed your available credit line. Please continue to make payments to your other account(s) until you know the transfer payment has been posted. Offer is subject to change without notice. Membership with Democracy FCU is required to obtain credit card account.