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Think you aren't qualified to be one of our members?
You might be surprised. It's as easy as 1... 2... 3.

Become a Member

Eligibility by Location

If you live, work, worship, attend school, or regularly conduct business in the areas, you are most likely eligible to join Democracy FCU!

VIRGINIA - Most areas of the City of Alexandria, Arlington, and Fairfax Counties
MARYLAND - Most areas of Prince George’s and Montgomery Counties
WASHINGTON, D.C. - All areas of the City

Relationship

If your family member is already a Democracy Federal Credit Union member!

Eligibility by Employer

Membership open to those who work for the below employers and live in the D.C. Metropolitan Area and Philadelphia.

  • Department of Health & Human Services 
  • Department of Education
  • Social Security Administration
  • Federal Energy Regulatory Commission 
  • Food & Drug Administration 
  • Gallaudet University - Faculty, employees and registered students enrolled in a program leading to a degree or certificate 
  • Select Employee Groups – Democracy FCU serves employees of companies who offer membership as an employee benefit; contact Democracy FCU to determine if your employer is a participant.

You Will Need the Following Items to Open Your Account:

- Valid U.S. Driver's License or State issued ID Card
- Date of Birth
- Social Security Number
- Physical Street Address
- Place of Employment and Job Title

Patriot Act Compliance

Member Identification Requirements: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask your name, street address, date of birth, and other information that will allow us to identify you. We will also ask for a picture ID (driver’s license, military ID, or passport) and/or other identifying information. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, the protection of our member’s identity and confidentiality is our pledge to you. We proudly support all efforts to protect and maintain the security of our members and our country.  


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.*

New Member Rewards

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!*
  • 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

*Loan Disclosure/Certificate Disclaimer: Cannot be used in conjunction with other promotions or discounts. Certain restrictions may apply.