4.00% APY*
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Democracy FCU will NEVER contact you via phone, email, or text to request personal or financial information.
Check out our Kasasa Rewards Checking to earn up to 4.00% APY*!!
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.
Personal Loan Options
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.
*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.
Apply today and get the peace of mind that comes with knowing you’re covered—every day.
1The Annual Percentage Rate(APR) will change on the 1st day of each quarter (January, April, July, and October) based on the interest rate Index. The Index is the Prime Rate published in the Wall Street Journal on the last day of each quarter plus a margin of 5.50%. The APR will never be more than 18.00% or the maximum rate allowed by NCUA, whichever is less. Any increase in the annual percentage rate as a result of an increase in the Index will result in higher payments. Your monthly payment for a variable rate line of credit balances will be 2.5% of the outstanding balances, however, your minimum payments will never be less than $10.00
2APR as low as
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.
1Annual Percentage Rate. The Signature rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
2APR as low as
Move Me Loan
Need financial assistance 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.