Democracy FCU's Business Plan to the COVID-19 Crisis.

DFCU's Business Plan to the COVID-19 Crisis

At Democracy Federal Credit Union, our number one priority continues to be the health and well-being of our members, employees, and our community. We understand the concern and uncertainty you may be experiencing surrounding the coronavirus (COVID-19), and that is why we are taking increased safety precautions in all of our branches.

We have also introduced the below loan programs to help ease the financial woes that you may currently be experiencing due to COVID-19: 

  • CASH-N-GO: Payday Loan Alternative - Get up to $1,000 with no credit check*
  • National Event Short Term Loan Program: Members will be asked to provide documentation of how they have been negatively impacted financially by COVID-19. 
    1. No Loan Payments for 90 Days!*
    2. Get a loan up to $3,000 with no credit check and rates as low as 3% APR* for up to 18 months, or
    2. Get a loan up to $6,000 (credit check required) with rates as low as 7.24% APR* for up to 24 months
  • Skip-A-Pay: Skip your monthly auto and/or personal loan payment for one month with no application feeMembers will be asked to provide documentation of how they have been negatively impacted financially by COV
  • Debt Consolidation Loan: Borrow up to $40,000 for up to 84 months with rates as low as 7.24% APR* to consolidate lingering debt. (Promotion expires April 30, 2020).

    *Certain restrictions apply. 

March 21: A Message to Our Members from Democracy FCU’s President/CEO

Ways to Safeguard Against Fraudulent Activity

To practice safe social distancing, our branches will operate the below schedule until further notice: 


  • Effective March 23, 2020: C Street Branch: CLOSED 
  • Effective March 24, 2020: Humphrey (HHS) BranchCLOSED 

  • Effective March 24, 2020: Philadelphia Branch: CLOSED
  • Effective March 24, 2020: Silver Hill Branch (Shared Branch): APPOINTMENT + DRIVE-THRU ONLY: The Silver Hill Branch will be open by appointment and drive-thru only. Appointments will be limited to membership openings and loan closings. Members may access these options during our regular business hours. To schedule an appointment, please call (703) 738-8960 or (703) 738-8961. Members/Shared Branch Members may access the drive-thru during our regular branch hours. 

  • Alexandria Branch: Members may continue to visit the branch during regular business hours for full member service transactions.

We remain vigilant in our branches by implementing additional safety precautions as recommended by the Centers for Disease Control and Prevention (CDC) guidelines, and other public health authorities to disinfect our branches and ATMs to protect our members, and employees. 

We are committed to you. If you experience financial hardship due to the Coronavirus COVID-19, please contact us so that we may provide you with financial solutions to fit your needs. To expedite this process or any other solution we can help you with, we also ask that you make sure your contact information is correct in our system to include: address, email address, and primary/secondary phone numbers. You may update this information in your online banking.

Important information on How Democracy FCU is Preparing for the Coronavirus

What is the Coronavirus (COVID-19)

On February 11, 2020, the World Health Organization announced an official name for the disease that is causing the 2019 novel coronavirus outbreak, first identified in Wuhan, China. The new name of this disease is coronavirus disease 2019, abbreviated as COVID-19. In COVID-19, ‘CO’ stands for ‘corona,’ ‘VI’ for ‘virus,’ and ‘D’ for disease. Formerly, this disease was referred to as “2019 novel coronavirus” or “2019-nCoV”. There are several types of human coronaviruses including some that commonly cause mild upper-respiratory tract illnesses. COVID-19 is a new disease, caused by a new coronavirus that has not previously been seen in humans.

 Common Symptoms

  • Fever
  • Cough
  • Shortness of breath

 How Democracy is Taking Action

Democracy FCU has closely been monitoring the developments of the Coronavirus (COVID-19). We want you to know that we are taking proactive measures to protect the health of our members and our employees. Please be assured that we have a comprehensive strategic plan in place for different levels of outbreak, should that affect Democracy FCU, and will continue to keep you updated. At this time, we are following the guidelines of the Centers for Disease Control and Prevention (CDC) and taking the necessary steps to disinfect our branch locations and offices regularly.

For your convenience, Democracy FCU offers access to your accounts with our mobile banking app and online banking options from the comfort of your mobile device and/or home. We also have ATMs that accept deposits. 

 How You Can Take Action  
The CDC suggests taking protective measures in order to prevent the potential spread of COVID-19, as well as, other illnesses. Some of these include the following:

  • Practice good hygiene (avoid shaking hands, touching your face, etc.)
  • Wash your hands often with soap and water for at least 20-seconds
  • Be careful with meetings and travel
  • Handle food carefully (limited food sharing, if possible)
  • Stay home if you are sick or have a sick family member in your home
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash
  • Disinfect frequently used surfaces and objects, such as doorknobs, tables, handrails, etc.  


For more information from the CDC please visit the Centers for Disease Control and Prevention at