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

Get Started Today 

*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: 

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

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

Learn More

(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*


  • Certain Restrictions Apply
  • Promotion valid starting November 1, 2019
  • New Money Only

Open a Certificate

*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.

Holiday Loan Promotion

Holiday Loan Promotion

November 1 - December 31

  •  5% Discount on Personal Loans
  • Rates as low as 5.49% APR*
  • Borrow up to $5,000 for 24 months

HAPPY HOLIDAYS from Democracy FCU!

Apply now

*Certain Restrictions Apply.