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Special Offers
Low-Rate Auto Loans
Get in. Hold on. Drive off
with a low-rate auto loan from Democracy FCU! With rates as low as 2.35% 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
*2.35% 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.
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:
- Promotional rates on loans and deposits
- Discounts at major retailers in store and online
- Sprint Mobile service discounts
- New member discounts
*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!*
- Up to $2,000 in closing credits1
- 20% rebate on agent commission
- Jumbo, fixed and adjustable rate mortgages
- FHA/VA/reverse mortgages
(1) Limited time offer. Additional restrictions may apply. Subject to credit approval.
November Certificate Special
Get a jump on your holiday shopping!
- 12 Month Certificate (Step Up Certificate)
- Minimum balance $300
- 2.65% APY*
Terms
- Certain Restrictions Apply
- Promotion valid starting November 1, 2019
- New Money Only
*APY = Annual Percentage Yield. New Money Only. Certificates are subject to eligibility and qualification. Offer begins October 1, 2019. Limited time offer. Subject to change without notice. Minimum deposit to open is $300. Contributions may be added to the certificate after the initial opening deposit is made.