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1. Learn what Democracy FCU is doing to help members and the community: COVID-19 Resource Center.

2. CLICK HERE to schedule your Alexandria or Silver Hill branch visit! Please visit our COVID-19 Resource Center for branch procedures. 

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.*

Enjoy New Member Member Rewards in your first 90 days! 

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!* 

Membership has its Rewards! Members can enjoy: 

  • 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.

Small Business Payroll Protection

Calling Small Business Owners!

Take advantage of our NEW Paycheck Protection Program!

Your business might be eligible for relief funding through our new partnership with Fundbox!  

We are so excited for our partnership with Fundbox! The Small Business Association (SBA) has approved our partner Fundbox as a lender for the Paycheck Protection Program (PPP).

PPP offers small businesses affected by the Coronavirus loans of up to 2.5 times your average monthly payroll costs.  

These loans have a 1% interest rate, and as long as you follow the SBA guidelines, are 100% forgiven by the government.  

PPP funds are first come, first served, so we encourage you to apply with Fundbox as soon as possible.

For more details, check out Fundbox’s blog post. You can also contact their team at (855) 297-6947 or if you have any questions.

Pardon the wait as call volumes are high, so wait times may be longer than usual.

Get Started Today!

*Certain Restrictions Apply.


CASH-N-GO: Get up to $1,000 Today!*

Need money for your rent? Mortgage? Auto Repairs? Medical Bills? We’ve got you covered!

We know that having a financial safety net isn’t always possible, and in times of financial need, we want you to be able to count on us, and that is why we’re introducing an affordable and convenient Payday Alternative Loan: CASH-N-GO!

CASH-N-Go is a Payday Alternative Loan program designed to assist you with any financial emergency that you may have, while rebuilding credit and staying clear of paying high-interest fees to Payday Lending establishments.



  • Low fixed rate of 18% APR*
  • Long term options
  • Access to fast cash – up to $1,000*
  • Budget counseling services to help guide and prepare you to achieve financial freedom.


  • 30 days Democracy FCU membership
  • No credit check
  • Must be in good standing
  • Limit to 3 loans in any rolling 6 month period
  • $20 non-refundable application fee


  • No prepayment penalty
  • Automatic payments are encouraged
  • Regulations prohibit refinancing of this loan
  • Repayment term cannot exceed 6 months
  • Loan must be paid in full before another loan is extended


  • Debt protection
  • Skip payment, extension and/or modification programs 

*Certain restrictions apply. Loan disbursement based on member qualifications.