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Personal Loans

Personal Loan Options

Personal Loans

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.

  • Loan amounts from $100 to $40,000*
  • Flexible personal loan terms up to 84 months*

Apply for a Personal Loan

*Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

    Everyday Access Line of Credit


    1
    The 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

    Hope & Relief Consolidation Loan


    1
    Annual 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

    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!

    • Minimum amounts starting at $1,000 up to $8,000*
    • Defer payments for 60 days!*
    • Terms up to 48 months*

    Apply for a Move Me Loan

    *Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

    estimate your savings and plan your next steps

    How much debt are you looking to consolidate?
    Consolidate this much debt:
    for 36 months
    and your monthly payment will be as low as:
    Payment Amount
    for 60 months
    and your monthly payment will be as low as:
    Loan Amount
    for 72 months
    and your monthly payment will be as low as:
    Loan Amount

    Apply Today Contact Us to Get Started

    Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.


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