Special Offers from Democracy FCU

Visa Rewards Credit Card

Don't come up short with other credit cards 

Remember, with the Democracy FCU Visa Rewards Card you earn rewards for every purchase! 

  • 0%1 balance transfer APR for 24 months
  • No fee to transfer balances
  • Rewards with every purchase with the Visa Rewards Credit Card
  • 3,000 bonus points when member spends $1,000 in the first 90 days of account opening on the Visa Rewards CC2

Get Started Today >>

(1)0% Annual Percentage Rate (APR) promotional Balance Transfer offer available on Visa Rewards Credit Card holders; balance transfer must be completed between August 1, 2018 and September 30, 2018 to qualify for 0% APR promotional offer. 0% promotional APR will apply to the balance transferred for 24 months; after the end of the 24 month period, the APR on the transferred balance will revert to the variable APR in place for your regular variable card rate (10.50% - 18.00% APR for the Rewards Credit Card, depending on credit). Other restrictions may apply. The total amount of your balance transfer request cannot exceed your available credit line. Please continue to make payments to your other account(s) until you know the balance is paid. Offer is effective as of August 1, 2018 and is subject to change without notice. Membership with Democracy FCU is required to obtain credit card account. (2) Limited time offer. Additional restrictions may apply. Subject to credit approval. 

Signature Loan

Make their school year bright with a back-to-school loan!

From clothes to crayons and big ticket items, Democracy FCU can help you get it all done. With rates as low as 8.99% APR*, you’re certain to get more than good grades this year!

  • Rates as low as 8.99% APR1
  • Terms up to 72 months
  • Fixed, affordable payments
  • Loans up to $30,000

Apply Today

(1) 8.99% APR (Annual Percentage Rate) is a fixed-rate on personal, unsecured loans up to $30,000 with terms up to 72 months. Minimum loan amount will depend on term selected. APRs (Annual Percentage Rates) listed are the lowest possible available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. Payment example: For a $10,000 signature loan for a term of 36 months with an 8.99% APR, the monthly payment would be $318.

Certificate Specials

Keep your future looking sharp with our new certificate specials!

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:

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.

Auto Loans

Don't lose your drive this school year

When buying a new or used car, count on a Democracy FCU auto loan to help keep payments affordable. With rates as low as 2.10% APR1 and fast pre-approvals, you can get the best deal.

  • Great, low rates 
  • Terms to fit your budget
  • Zero money down payment options
  • GAP and Auto Advantage on your deductible reimbursement
  • Extended warranty available

Apply Today

(1) 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 of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. Rates are based on an evaluation of your credit history and available qualified discounts, so your rate may differ. Not all applicants will qualify for the lowest rate on longest repayment term. Terms, rates, and conditions are subject to change without notice. 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.