Notice: January 28:
We are currently experiencing intermittent telephone interruptions. We are working quickly to restore full service. We apologize for the inconvenience, and appreciate your patience.

Special Offers

Member Loyalty

Get rewarded for your years of membership with us. 

At Democracy Federal Credit Union, we appreciate your business and your trust in us. Therefore, for your years of loyalty to Democracy FCU, we would like to say THANK YOU  by offering an additional discount on our already low interest rates for signature and auto loans.*

  • VIP Members - 0.25% discount: $5,000 combined balance of share and/or loan balance or 5-9 years of membership
  • Executive Members - 0.50% discount: $15,000 combined balance of share and/or loan balance or 10-19 years of membership 
  • Presidential Members - 0.75% discount: $100,000 combined balance of share and/or loan balance or 20+ years of membership

Additional discounts include: 

Learn More

*New money only. Loan discounts on auto and signature loans only and can be used with 0.50% discount for members with direct deposit of net pay but cannot exceed total discount of 1.50%.

HomeAdvantage Program

Let Democracy FCU Help You Find Your Next Home

. . . And a Real Estate Agent who pays Cash Rewards at closing!1

  • 20% rebate on agent commission
  • Jumbo, fixed and adjustable rate mortgages
  • FHA/VA/reverse mortgages
  • Up to $2,000 in closing costs*

Learn More

(1) Limited time offer. Additional restrictions may apply. Subject to credit approval. 

*as a lender’s credit applied to home purchases and mortgage refinances.