Credit Cards

From Rewards to Classic to Secured, you'll find the perfect credit card for your budget and lifestyle.

VISA® Card Options

Whatever your need in a credit card, we’ve got you covered!

VISA® Rewards

Get rewarded when you shop with the Democracy FCU Visa® Rewards Credit Card! Every dollar you spend earns you one rewards point you can add up and redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.

VISA® Classic

If you’re interested in a fixed-rate credit card, take advantage of a steady rate and no surprises with our Visa® Classic Credit Card.

Secured VISA®

If you need to build credit history or re-establish credit, our Secured VISA® can help you build credit worthiness. It’s secured by funds in your Democracy FCU Share Savings Account so the application process is streamlined.

Balance Transfers

Transfer balances from other financial institutions and retailers to Democracy FCU's low variable rate and have one low monthly payment.

    • No Balance Transfer Fee
    • Consolidate credit card bills to one payment, up to available credit limit
    • Democracy Federal Credit Union pays off other credit cards

    At this time, only the Democracy FCU Rewards Credit Card is eligible for balance transfers. Simply fill out the Balance Transfer Form and either fax it to (571) 527-2333 or email it to

    Credit Card Rates

    Table data for Credit Card Rates
     Rates effective 02-20-2020
    Account Type APR (as low as)1 Maximum Financed Comments Estimate Your Payments Alert Me
    VISA Rewards2 13.50%–18.25% Variable $30,000 Rewards Points Estimate Your Payment
    Visa Classic 14.90% $5,000 Estimate Your Payment
    VISA Secured 7.90% $10,000 Funds will be held in share account Estimate Your Payment
    • 1APR= Annual Percentage Rate. 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.) See agreement for details.
    • 2Variable rate of Wall Street Prime + 6% .

    Credit Card Resources

    Information and Services

    Estimate Your Savings if You Switch to the Visa® Rewards Credit Card