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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.*

New Member Rewards

New Democracy FCU Members have 90 days to take advantage of any two of the below offers:

  • 0.50% APR* discount on auto loans with rates as low as 2.35% APR!*
  • 0.25% APR* discount on Signature Loans with rates as low as 8.99% APR!*
  • Earn 3,000 bonus points when you spend $1,000 in the first 90 days with your Democracy FCU VISA Rewards Credit Card!*

  • VIP Members - 62+ years, or $5K-$15K combined balances or 20+ transactions per month
  • Executive Members - $15K+ in combined balances or 30+ transactions per month
  • Presidential Members - $100K+ in combined balances or 40+ transactions per month

Additional discounts include: 

Member Rewards Program

Learn More

*Loan Disclosure/Certificate Disclaimer: Cannot be used in conjunction with other promotions or discounts. Certain restrictions may apply.

VISA Rewards

VISA® Rewards

Redeem your VISA® rewards today!

Earn 1 point for every $1 you spend! Turn those points into gift cards, merchandise, and more!


Need a Credit Card first?

Whatever you need in a credit card, we’ve got you covered!

VISA® Rewards

Get rewarded when you shop! Every dollar you spend earns you one reward point. Redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.

VISA® Classic

A fixed-rate credit card with a steady rate and no surprises!

Secured VISA®

Build credit history or re-establish credit with our Secured VISA®. It’s secured by funds in your Democracy FCU Share Savings Account so the application process is streamlined.

More Information

Apply Now

*Certain restrictions apply.