Special Offers


Be our sweetheart this February with a membership from Democracy FCU and Valentine's Day chocolates!*


  • Current Members receive $5.00 deposited into their account
  • Referred Members receive $5.00 deposited into their account & Valentine's Day Chocolates
  • New members receive Valentine's Day chocolates

Refer a friend

*Certain restrictions apply. Promotion valid February 1 - 29, 2020. Valentine’s Day chocolates offered while supplies last. Online account openings will receive a $5.00 gift card in lieu of chocolate. Members will receive a $5.00 deposit into their Democracy FCU account after the opening of new member account. Federally Insured by NCUA.

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.*

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

Learn More

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

HomeAdvantage Program

Let Democracy FCU Help You Find Your Next Home

. . . And a Real Estate Agent who pays Cash Rewards at closing!1

  • 20% rebate on agent commission
  • Jumbo, fixed and adjustable rate mortgages
  • FHA/VA/reverse mortgages
  • Up to $2,000 in closing costs*

Learn More

(1) Limited time offer. Additional restrictions may apply. Subject to credit approval. 

*as a lender’s credit applied to home purchases and mortgage refinances.

Debt Consolidation Loan

Take back your financial freedom with our Debt Consolidation Loan

March 1, 2020 - April 30, 2020

  • Rates as low as 8.49% APR*
  • Up to $40,000*
  • Up to 84 months*
  • Up to $2,000 in closing costs*

*Certain Restrictions Apply. Promotion valid March 1 – April 30, 2020. Qualified members will receive up to 2% off of the prevailing rate. Federally Insured by NCUA.