Government Shutdown Assistance

We stand ready to help our members, and potential members, affected by the government shutdown. If you need special assistance, we are here for you. 

Financial Assistance Products:

  • Loan Extension/Payment Deferment: Existing loan holders may receive a loan extension for up to 90 days.*  
  • Short-Term Loan: Current and potential members may apply for a short-term loan for up to 6 months with rates as low as 0.00%.* Other loan options are available. Please contact Member Services at member_serv@democracyfcu.org or 800.742.5582 for details.  
  • Free Financial Counseling Services: All members qualify to receive free financial counseling from our certified financial experts to help with budgeting, credit and debt management. Let us provide you with solutions on how to manage and budget your finances accordingly during this tough time. For details, contact our Financial Counselor, Delta Payne, at dpayne@democracyfcu.org or 202.488.5400 ext. 1865.

Financial Counseling Services:

Are you affected by the partial government shutdown? Have you been furloughed and are struggling to pay your bills? Don’t just ignore your financial stress, but face it head on! Managing money to make ends meet is the biggest challenge people will face when it comes to their finances. Whether a crisis is caused by a government shutdown, loss of a job, personal/family illness or overspending, paying all of your bills without having cash flow can be overwhelming. But, there is still hope and help available from Democracy Federal Credit Union. Let us provide you with solutions on how to manage and budget your finances accordingly during this tough time.  It is important to educate yourself on all of the options available to you for resolving troubled bill payments, and to know there are legitimate programs available to assist  you while avoiding scams that target consumers suffering from financial  hardships.

Democracy Federal Credit Union cares about your financial health, and we’re here to help you! We offer FREE Financial Counseling Services to Democracy FCU members who are struggling with finances, need help budgeting and navigating through debt management. Visit us online at www.democracyfcu.org and click on ‘Financial Counseling’ for more details or contact our Financial Counselor, Delta Payne, at dpayne@democracyfcu.org or 202.488.5400 ext. 1865, to schedule an appointment and learn how Democracy FCU can help you overcome these hard times and put some ease back into your life.

*Certain restrictions apply. Underwriting guidelines remain in effect. Contact us for details at 800.742.5582 or member_serv@democracyfcu.org.

Current Democracy FCU Members with Loans

  • Receive reduced rates with Democracy FCU
  • No credit report required (based on special assistance requirements)

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Potential and Existing Members 

  • For individuals with no previous loan history with Democracy FCU
  • Low-rate unsecured loans available
  • Credit report will be required 

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