Special Offers from Democracy FCU

Auto Loan Special

Upgrade your ride in 2018!

Save hundreds when you finance your auto loan with Democracy FCU. With rates as low as 1.35% APR1 and fast pre-approvals, you can get the best deal. Plus, for a limited time, get a $100 Gas Card2 with a qualifying auto loan! Get a Democracy FCU auto loan and enjoy:

  • The same great rate on purchases and refinances of 2016, 2017 and 2018 models
  • Zero money down payment options
  • GAP and Auto Advantage on your deductible reimbursement

With Democracy FCU, you can save on every mile!

Apply Online Today >>

(1) 1.35% APR (Annual Percentage Rate). 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 1.35% APR, the monthly payment would be $323.00. (2) A $100.00 gas card will be available for loans over $15,000.00 and offered while supplies last. Member must apply for a Democracy FCU auto loan between January 1, 2018 and February 28, 2018 and the loan must be funded by February 28, 2018. Gas card will be sent to the member’s address on auto loan application within two weeks of the loan closing. Existing auto loans at Democracy Federal Credit Union are not eligible for this offer. This is a limited time offer and may be withdrawn at any time.

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Credit Cards

Enjoy Endless Rewards

The holidays are over and the deals are piling up! Now is a great time to take advantage — the rewards can add up fast with the Democracy FCU Visa® Rewards Credit Card!

For the first 12 months, enjoy a 0% introductory APR1 on balance transfers. Best of all, there’s no balance transfer fee! Or, if you’re looking for a fixed-rate option, enjoy rates as low as 7.90%APR2 on purchases with our Secured Visa.

Apply Online Today >>

(1) 0% Annual Percentage Rate (APR) promotional Balance Transfer offer available on Visa Rewards Credit Card holders; balance transfer must be completed between January 1 and February 28, 2018 to qualify for 0% APR promotional offer. 0% promotional APR will apply to the balance transferred for 12 months; after the end of the 12 month period, the APR on the transferred balance will revert to the variable APR in place for your regular variable card rate. 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 transfer payment has been posted. Offer is effective as of January 1, 2018 and is subject to change without notice. Membership with Democracy FCU is required to obtain credit card account. (2) APR= Annual Percentage Rate. Funds will be held in member’s Democracy FCU share account. Minimum monthly payment: 2.5% of your total new balance or $25 whichever is greater. (No interest on purchase balances paid within 25 days of the statement closing dates. Example: statement closing date 1/31, to avoid interest pay balance in full by 2/25.)

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Interest Bearing Checking

Enjoy the simple, effective option for your money

On balances up to $10,000, you can earn 1.00% APY*! It’s everything you love about a traditional checking account and more!

Plus, enjoy these convenient features:

  • No monthly fee or minimum balance
  • Access to over 30,000 surcharge-free ATMs
  • 5,000+ Shared Branches available nationwide

Open Your Account Today >>

*Overdraft fees still apply for all checking types. Interest-Bearing Checking Account is a variable rate account. A minimum of 15 debit card transactions per month, direct deposit and eStatement enrollment is required to earn the advertised APY. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Annual Percentage Yield (APY) is accurate as of 1/1/2018 and is subject to change at any time. Fees may reduce earnings on account. Dividends are compounded and credited monthly.

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Signature Loans

Simple solutions for unsteady times

Have the holidays left you feeling overwhelmed with multiple debt payments? Pay off high-interest credit cards and other debts with a low, fixed-rate Democracy FCU signature loan:

  • Rates as low as 7.99% APR*
  • Terms up to 72 months
  • Borrow up to $ 30,000
  • Low, affordable payments

With Democracy FCU, you can save on every mile!

Apply Online Today >>

*7.99% 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 7.99% APR, the monthly payment would be $313.32.

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Make 2018 a Year of Saving!

Earn more on your deposits with Democracy FCU. We've increased our savings rates to help you save! 

  • .15% APY on Holiday and Vacation Savings Accounts with just a $100 minimum balance
  • .40% APY on our 3-month share certificates with a $500 minimum balance
  • 2.25% APY on our 60-month share certificates with a $2,000 minimum balance

Start Saving Today >>

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. Variable rates are subject to change after the account is opened. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

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Member Benefits

Membership with Democracy FCU has its benefits

Democracy FCU is your financial partner for every life event. We're there for you when you need us -- it's just that simple. Through our shared branch network, our members have convenient access to over 5,000 branches and nearly 30,000 ATMs, so it's easier than ever to access your accounts from wherever you are. Here are just a few more reasons to choose Democracy FCU: