Scheduled System Maintenance for Saturday, March 24th, 9 P.M. to 3:00 A.M. EST
To perform required system maintenance, all electronic services will be unavailable on Saturday, March 24th, from 9 P.M. to 3:00 A.M. Eastern Time. You may continue to use your Democracy FCU Visa Credit and Debit cards for purchases and ATM withdrawals during this time. We apologize for any inconvenience and thank you for your patience.


Joining Democracy FCU is easier than you may think. Most residents and workers in the DC Metro area are eligible to join! And once you're a member, you're a member for life - even if you change jobs or move away.

Democracy FCU members receive access to benefits such as competitive loan and deposit rates, 24/7 access to your accounts, financial education resources and more! 

Membership Has It's Benefits


We're Your Partner

We're here for you when you need us. 


We're In Your Neighborhood

Convenient access to over 5,000 branches and nearly 30,000 ATMs.


Competitive Rates on Loans

Compare us to other lenders.


24/7 Access to Your Account

You're going places. Take us with you with our convenient eServices.


Member Discounts

Enjoy exclusive benefits on auto and signature loans. 

member refer

Member Referral Program

Earn money for new member referrals to Democracy FCU!



Find out if you're eligible by location or your employer.

member rewards

Membership Rewards

Get rewarded for your membership!