Special Offers from Democracy FCU

Checking & Savings

Compare our rates to the competition! 

Looking to step up your approach to saving this year? Look no further than Democracy FCU for the best deal! 

It's your money, make the most of it! 

Start Saving Today >>

APY = Annual Percentage Yield. The APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. The dividend rate is equal to the annual percentage rate for all savings accounts. Primary membership account required to participate in any advertised product. Calculation based on difference between 2.25% APY for a 60-month certificate at Democracy FCU and .35% APY for a 60-month certificate at Wells Fargo. (1) 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. Dividends are compounded and credited monthly. (2) Dividends are paid and compounded monthly. Withdrawal restrictions apply. (3) Dividends will be forfeited if account is closed before accrued dividends are credited. *Comparison rates are based on data retrieved from RateWatch and are provided as of February 15, 2018. Rates are subject to change without notice. 

Earn more banner

Home Equity Loans

Cash in on your home's equity!

Bring blueprint plans to life with the 4.50% APR1 Democracy FCU Home Equity Loan. With no closing costs2 and affordable payments, you can enhance your home just the way you like! 

Want to use the funds for a 2018 vacation? Go right ahead! Using the equity in your home can be a smart way to accomplish your holiday wish list, debt consolidation and more! It's your house, your equity. Take advantage now - it's a great time to refinance to a lower rate! 

Apply Today >>

$406.04 is the difference between the amount paid in interest between Democracy FCU’s rate at 4.50% APR for 85% LTV compared to 5.24% APR for 80% LTV with Navy FCU over the life of a $20,000 home equity loan with a term of 5 years. (1) Fixed rates available as low as 4.50% APR (Annual Percentage Rate) for owner occupied properties. Subject to credit and property approval. (2) No Closing Costs on Home Equity Loans and Home Equity Lines of Credit. If loan is paid off within 36 months, the member will be required to reimburse Democracy FCU for closing costs paid on the member’s behalf. Member is responsible for depositing funds for appraisal fee and will have funds released to them when the loan closes. If a loan does not close, funds deposited will be used to reimburse Democracy FCU for the cost of the appraisal. Other fees may also have to be paid if the loan does not close.

home equity banner

Mortgage Loans

Save more when you buy, sell or refinance! 

Rates are on the rise so it’s a great time to refinance to a lower rate or to find your forever home! The Democracy FCU home loan can help you move into a new home more affordably: 

  • Choose an agent from a local professional network
  • Get an eligible mortgage
  • Enjoy cash rewards when you use our agent to buy or sell1

Call to schedule your appointment today with our experienced Mortgage Loan Officer! Don’t forget to ask about our up to $2,000 credit toward closing costs2!

Contact Us Today >>

(1) The HomeAdvantage program is made available to you through a relationship between your credit union and CU Reality Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved agents. Home buyers or sellers are not eligible for the rebate if they use an agent outside to this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult your credit union to get details that may affect you. (2) Limited time offer. Additional restrictions may apply. Subject to credit approval.

home loan banner

April Youth Month

The Science of Saving!

Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money.

In April, Democracy FCU is celebrating Youth Month, which is a program that helps teach and encourage kids to develop good financial habits. We’re celebrating our youngest members with our special Youth Certificate, Earth-friendly robots* and a chance to win a $20 Amazon Gift Card with The Science of Saving coloring contest. Download The Science of Saving coloring sheet, let your Matisse add some color, and bring it back to any branch. We’ll choose a winner at the end of the school year.

Download Coloring Sheet >>

*While supplies last.

national credit union youth month 2018


Make 2018 a Year of Saving!

Earn more on your deposits with Democracy FCU. We've increased our savings rates to help you save for that much needed vacation or the holiday you've been dreaming of! Put your money to work for you and enjoy .15% APY* on Holiday and Vacation Savings Accounts with just a $100 minimum balance. 

Start Saving Today >>

*No minimum deposit, minimum balance, or minimum additional deposits. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.

savings banner2

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: