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Scheduled maintenance will take place on Sunday, June 27, 2021, between 1:00 a.m. and 7:00 a.m. 
During this time, online banking and phone banking will be unavailable.  We apologize for any inconvenience.


Share Certificates offer an incredibly easy way to save. With a higher dividend rate than a regular Share Savings account, a Democracy FCU Share Certificate is an attractive way to build up savings on your terms.

Share Certificates

  • Terms from 6 months to 60 months
  • Minimum balance varies based on terms

To open a Share Certificate, simply click below and select "Open a Secondary Account" within our application center.

Open a Share Certificate

Youth & Young Adult Generation APY Certificate

  • Available to all members under 18
  • Six month term
  • $100 minimum deposit
  • Rates tiered based on minimum balance
  • Competitive rates designed to promote youth and young adults savings

To open a Youth Certificate, simply click below and select "Open a Secondary Account" within our application center.

Open a Youth Share Certificate

Move Me Loan Rate

Table data for Move Me Loan
Maximum Financed Maximum Repayment APR* (as low as) Alert Me
$8,000 48 Months 7.00%*
* Annual Percentage Rate. No discounts apply. Terms and conditions vary based on creditworthiness and other qualifications and are subject to change.

Youth Savings Certificate Rates

Table data for Youth and Young Adult Generation APY Certificate
 Effective 06-22-2021
Dividend Rate APY Minimum Addtl. Deposit Minimum Balance Alert Me
6 Month Certificate 2.00% 2.02% $25.00 $100.00
6 Month Certificate 2.10% 2.12% $25.00 $100.00
6 Month Certificate 2.20% 2.22% $25.00 $100.00
Youth/Young Adult Generation APY (Annual Percentage Yield) Certificates are available to any member under the age of 18. The APY is accurate as of the last dividend declaration date. The APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.