4.00% APY*
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All Democracy Federal Credit Union offices will be closed on November 27th and 28th, 2025, in observance of Thanksgiving. You can easily access your accounts via Online Banking, Mobile Banking, and Phone Banking 24/7.

Get the funds you need for whatever life throws your way!
Need an emergency cash loan for unexpected expenses? Or do you need a financial solution for debt consolidation? Democracy FCU supports your goals with quick loan approval and low-rate Personal Loans for members across Washington, D.C., Maryland, and Northern Virginia.

Personal Loans
Get a Personal Loan near you that’s specifically designed to meet your changing needs. Use the cash for holidays, vacations, emergencies, and more. Receive one lump sum and pay it back in fixed monthly payments.
A Personal Loan can be used for almost anything. Unexpected costs like medical bills or a car repair are common examples. Funds can also provide helpful support through a season of financial hardship. Alternatively, the cash can be used to pay off credit cards, allowing you to consolidate debt into one lower-interest loan. Ultimately, a Personal Loan gives you flexibility to allocate funds as you see fit.
You borrow a set amount of money and repay it over time through fixed monthly payments. Your rate and term are determined upfront, so you’ll know exactly what to expect each month until the loan is paid off.
*Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.


Your safety net for life’s unexpected moments.
Whether you’re worried about losing your job, facing surprise expenses, or struggling to make ends meet some months, the Everyday Access Line of Credit is designed to help you stay financially afloat—no matter what comes your way.1
You’ll have access to a pre-approved credit limit (similar to a credit card), but you only pay interest on what you use—giving you control without unnecessary cost.
How does a personal line of credit work?
With a personal line of credit, you gain access to a pre-approved credit limit (similar to a credit card), but you only pay interest on what you use – giving you control without unnecessary cost.
Apply for a personal line of credit today and get the peace of mind that comes with knowing you’re covered—every day.
*APR = Annual Percentage Rate. Rates subject to change.
**Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.


Feeling overwhelmed by debt? You're not alone.
Everyday life can feel unpredictable—one moment you're managing, the next, you're buried under bills, high-interest payments, and unexpected costs.2 If you're saying...
…then our Hope & Relief Consolidation Loan is here to help. This specially designed loan is a path toward financial peace of mind.
You're not stuck. You're supported.
Let us help you regain control, reduce stress, and rebuild financial hope.
*Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.
**APR = Annual Percentage Rate. Rates subject to change.

Move Me Loan
Need a loan for moving expenses? Make moving into your new place a reality with our low, fixed Move Me Loan rate!
*Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

Whether you're planning early shopping, travel, or simply want extra cash to enjoy the festivities stress-free, our Holiday Loan is here for you.
Fall into early access to funds with our Holiday Loan to help you prepare now so you can focus on what really matters – making memories with family and friends.
October 15, 2025 - December 31, 2025
*New money only.


