Special Offers from Democracy FCU

Low-Rate Auto Loans

Get in. Hold on. Drive off

with a low-rate auto loan from Democracy FCU! With rates as low as 2.10% APR* and fast pre-approvals, you can get the best deal.

  • No money down payment options
  • Terms up to 84 months for lower payments
  • GAP and Auto Advantage on your deductible reimbursement
  • Discounts for new and existing members

Get Started Today >>

*2.10% APR (Annual Percentage Rate) is a fixed rate on New Auto Loans for a maximum of 60 months. A new vehicle is a vehicle that is untitled or a current year model and is currently owned by the original owner of the vehicle. Payment example: For an $18,000 New Auto Loan for a term of 60 months with a 2.10% APR, the monthly payment would be $316.00

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.*

  • 1 - 5 years =  0.25%* discount
  • 6 - 10 years = 0.50%* discount
  • 11 - 20 years =  0.75%* discount
  • 21+ years = 1.00%* discount

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

We'll help you find your next home

and a real estate agent who pays Cash Rewards at closing.

  • Up to $2,000 in closing credits1
  • 20% rebate on agent commission
  • Jumbo, fixed & adjustable rate mortgages
  • FHA/VA/reverse mortgages

Learn More >>

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

Certificate Specials

Get a better return on your money! 

You've worked hard for your money. Democracy FCU helps your money work for you with our new certificate specials to help you save! Select the term that is right for you: 

12-Month Promotion Certificate*

Earn 2.00% APY with a minimum deposit of $1,000 (New Money) when you move your savings from one financial institution into a 12-Month Certificate at Democracy FCU.  Existing 12 Month certificates must deposit an additional $1,000 in order to receive 2.00 APY%

17-Month Certificate*
Move your savings from another financial institution into a 17-Month Certificate at Democracy FCU. You earn 1.65% APY1 with a minimum deposit of $1,000. 

31-Month Certificate*
Open a 31-Month Certificate by moving your savings from another financial institution and earn 1.85% APY2 with a minimum deposit of $1,000. 

Start Saving Today >>

*The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date and is available for a limited time and may change at any time. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited. (1) A minimum $1,000 in new funds is required and must be brought from an external source. At maturity, all 17-Month Certificates will renew at the 12-Month share certificate rate and term. (2) A minimum $1,000 in new funds required and must be brought from an external source. At maturity, all 31-Month Certificates will renew at the 24-Month share certificate rate and term.


Skip-A-Pay. Save Money. Enjoy the Summer.

Skip your Auto or Signature loan payment in the month of July and save for summer fun!

  • $50 Processing Fee applies
  • Valid for the month of July.
  • Application must be received 10 days prior to due date


  • Your payment will be deferred with no penalties or late fees.
  • Members with Bi-Weekly Notes or payments will be able to skip two payments.
  • Completed forms may be faxed to Skip-A-Payment (571-527-2333) or email to lending@democracyfcu.org.  Turnaround time for a response is between 3 – 5 business days.

Note:  Please note that you cannot skip your first three loan payments.  This offer is only open to loans that have at least three (3) months of payment history established.  Skipping payments will extend the maturity date of the loan one month for every Skip-A-Payment processed.  Debt protection or GAP purchased to cover your Democracy Federal Credit Union loan(s) excludes deferred payments therefore, in the event of a claim, you may have a residual balance as a result of Skip-A-Payment authorization.  Interest will continue to accrue on any unpaid principal balance(s) and may impact your final payment amount.  Your scheduled monthly payment amount will not change, however the amounts applied to principal and interest may vary as a result of Skip-A-Payment authorizations.  If any accounts, active or closed, held by the Borrower and/or Co-Borrower with Democracy Federal Credit Union are not in good standing, a Skip-A-Payment may be denied until the account is brought into a positive status.  Automatic payments to the loan under this program are for monthly payments only on the due date of the loan.