Scheduled System Maintenance for Saturday, March 24th, 9 P.M. to 3:00 A.M. EST
To perform required system maintenance, all electronic services will be unavailable on Saturday, March 24th, from 9 P.M. to 3:00 A.M. Eastern Time. You may continue to use your Democracy FCU Visa Credit and Debit cards for purchases and ATM withdrawals during this time. We apologize for any inconvenience and thank you for your patience.

Mortgage Loans

We offer an array of mortgage products to best fit your needs - both fixed and adjustable. Plus, you may be eligible for a closing cost credit of up to $2,000 or a lower interest rate on selected Adjustable Rate Mortgage (ARM) loan programs!


The Loan With a One "Click" Rate Reset Feature

If you’re tired of refinancing your mortgage to keep up with lower rates the HarmonyLoan is right for you. The HarmonyLoan™ is a unique mortgage loan offered by Democracy FCU through our mortgage partner Credit Union Mortgage Association.

Take Advantage of Lower Interest Rates

With a HarmonyLoan™ when interest rates fall, you manage your own rate-reset online.  A simple "click" locks in your new interest rate. You may be eligible to request a reset of your rate or the fixed rate period of your loan every 120 days.

How Does the HarmonyLoan™ Work?

  • A simple "click" online  locks in new terms (interest rate & fixed period of ARM)
  • You only have to wait 6 months after closing before the first opportunity to "click" (reset rate)
  • After the first 6 months you can reset the rate every 120 days
  • Loan must be current with NO late payments in past 12 months
  • The reset must reduce the interest rate by at least 1/4%

Eliminate Hassle and Cost

The HarmonyLoan™ program resets your interest rate with No Points and No Closing Costs.  It’s fast, easy and affordable.

Avoid Credit Risk

When you refinance a traditional mortgage loan, the rate is based on your current financial situation. Changes in your situation—such as a job loss, salary reduction or significant purchase—can impact your ability to qualify for a refinance. With the HarmonyLoan™ as long as you pay on time, you can lower your rate instantly.

Where is the HarmonyLoan™ Available?

To find out more details about the HarmonyLoan™, call 703.647.7066.