What are the current interest rates at Democracy Federal Credit Union?

Current rates for Democracy Federal Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 3.65%, 60-Month CD: 3.30%, Savings: 0.00%, MMA: 1.40%

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Democracy Federal Credit Union

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Democracy Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Democracy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

Democracy Federal Credit Union's 60 month IRA CD Traditional or Roth rates are at 4.25%, 36 month IRA CD Traditional or Roth rates are at 4.10%, 12 month IRA CD Traditional or Roth rates are at 4.00%, 18 Month CD rates are at 3.65%, 12 Month CD rates are at 3.45%. Democracy Federal Credit Union's savings rates are at 0.00%. Democracy Federal Credit Union's money market rates are at 1.40%. Democracy Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Democracy Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.25%. Rates were last updated on 06/16/2026.

Democracy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Democracy Federal Credit Union? Share your experience about Democracy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Democracy Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.25%

Excellent Lower than avg

Democracy Federal Credit Union
Alexandria

400 N Columbus St
Alexandria, VA 22314

https://www.democracyfcu.org

Democracy Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month IRA Certificate Traditional or Roth	4.18%	4.25%	60 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
36 month IRA Certificate Traditional or Roth	4.04%	4.10%	36 months
Min Deposit $2,000 Min Balance $2,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
12 month IRA Certificate Traditional or Roth	3.94%	4.00%	12 months
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
18 Month Certificate	3.60%	3.65%	18 months
Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
12 Month Certificate	3.40%	3.45%	12 months
Min Balance $2,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
60 Month Certificate	3.25%	3.30%	60 months
Min Balance $3,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
48 Month Certificate	3.21%	3.25%	48 months
Min Balance $3,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
36 Month Certificate	3.16%	3.20%	36 months
Min Balance $3,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
6 Month Certificate	2.47%	2.50%	6 Month
Min Deposit $25 Min Balance $100 Details Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited. Annual Dividends on balances of $1,000 and over. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
9 Month Certificate	2.43%	2.45%	9 months
Min Balance $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
6 Month Certificate	1.99%	2.00%	6 months
Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Balances of $3,500 and over Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
IRA Savings	0.75%	0.75%
Min Deposit $0 Min Balance $0 Details Balances of less than $3,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Youth Savings Certificate	0.40%	0.40%
Min Balance $100 Details Balances of $100.00 and over Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Youth Savings Certificate	0.30%	0.30%
Min Balance $0 Details Balances of less than $100.00 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Holiday and Vacation Savings Account	-	0.15%
Min Balance $100 Details Earn a 0.15 percent dividend quarterly when you have over $100 in your account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Vacation Share Savings	0.15%	0.15%
Min Balance $100 Details $100 and over Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Vacation Share Savings	-	0.00%
Min Balance $0 Details Less than $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.61%	2.65%
Min Deposit $0 Min Balance $250,000 Details Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Money Market Account	2.37%	2.40%
Min Deposit $0 Min Balance $100,000 Details Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Money Market Account	2.12%	2.15%
Min Deposit $0 Min Balance $50,000 Details Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Money Market Account	1.63%	1.65%
Min Deposit $0 Min Balance $25,000 Details Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Money Market Account	1.39%	1.40%
Min Deposit $0 Min Balance $1,000 Details Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.00%	7 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. APR = Annual Percentage Rate. The maximum APR that can be imposed is 18.00%. Monthly loan payment is 1.5% of the balance borrowed. Estimated closing costs are $1,900.00. Closing costs paid by Lender. If the loan is paid off within 36 months (three years), the member will be required to reimburse Democracy Federal Credit Union for closing costs paid on the member's behalf. No application fee. Subject to credit and collateral approval. Property insurance is required at the time the loan is opened. The payment does not include insurance and taxes. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Home Equity Loan	-	-	7.00%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. APR = Annual Percentage Rate. The maximum APR that can be imposed is 18.00%. Monthly loan payment is 1.5% of the balance borrowed. Estimated closing costs are $1,900.00. Closing costs paid by Lender. If the loan is paid off within 36 months (three years), the member will be required to reimburse Democracy Federal Credit Union for closing costs paid on the member's behalf. No application fee. Subject to credit and collateral approval. Property insurance is required at the time the loan is opened. The payment does not include insurance and taxes. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Home Equity Loan	-	-	7.25%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. APR = Annual Percentage Rate. The maximum APR that can be imposed is 18.00%. Monthly loan payment is 1.5% of the balance borrowed. Estimated closing costs are $1,900.00. Closing costs paid by Lender. If the loan is paid off within 36 months (three years), the member will be required to reimburse Democracy Federal Credit Union for closing costs paid on the member's behalf. No application fee. Subject to credit and collateral approval. Property insurance is required at the time the loan is opened. The payment does not include insurance and taxes. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Home Equity Loan	-	-	7.50%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. APR = Annual Percentage Rate. The maximum APR that can be imposed is 18.00%. Monthly loan payment is 1.5% of the balance borrowed. Estimated closing costs are $1,900.00. Closing costs paid by Lender. If the loan is paid off within 36 months (three years), the member will be required to reimburse Democracy Federal Credit Union for closing costs paid on the member's behalf. No application fee. Subject to credit and collateral approval. Property insurance is required at the time the loan is opened. The payment does not include insurance and taxes. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Home Equity Loan	-	-	7.75%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. APR = Annual Percentage Rate. The maximum APR that can be imposed is 18.00%. Monthly loan payment is 1.5% of the balance borrowed. Estimated closing costs are $1,900.00. Closing costs paid by Lender. If the loan is paid off within 36 months (three years), the member will be required to reimburse Democracy Federal Credit Union for closing costs paid on the member's behalf. No application fee. Subject to credit and collateral approval. Property insurance is required at the time the loan is opened. The payment does not include insurance and taxes. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.10%	66 Months
Details Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Same as New Auto Loan	-	-	5.10%	66 Months
Details As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Auto Loan	-	-	5.50%	66 Months
Details Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
New Auto Loan	-	-	5.80%	78 Months
Details $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Same as New Auto Loan	-	-	5.80%	78 Months
Details As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Auto Loan	-	-	6.40%	78 Months
Details Loan Amount: $15,000 to $35,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
New Auto Loan	-	-	7.05%	84 Months
Details $35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Same as New Auto Loan	-	-	7.05%	84 Months
Details As Low As; $35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Used Auto Loan	-	-	7.40%	84 Months
Details Loan Amount: $35,000+; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Secured	-	7.90%
Details Funds will be held in share account Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%
Visa Classic	-	14.90%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Democracy Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	7.99%
Details As Low As; New money only. No other discounts apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Democracy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Democracy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Democracy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Democracy Federal Credit Union

Website https://www.democracyfcu.org

Address 400 N Columbus St, Alexandria, VA 22314

Phone 202-488-5400

Fax 703-548-5279

President Patricia Ellis

CEO Andrena Smith

Full-Time Employees 34

Part-Time Employees 1

Branch Locations 4

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.25%

Return on Assets (ROA)

0.0056%

Return on Equity (ROE)

0.0760%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

188,795,666

Total Amount of Shares and Deposits

172,096,834

Total Shares and Deposits < 1 Year

137,288,279

Total Shares and Deposits 1 3 Years

33,635,126

Total Shares and Deposits > 3 Years

1,173,428

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,907,968

Total Uninsured Shares and Deposits > $250K (F+J)

40,957,818

Total Insured Shares and Deposits > $250K (item 17 less item K)

131,139,016

Total Interest Expense (Sum of items 6 8)

2,117,351

Share Certificates

1,203

Number of Accounts for Share Drafts

6,496

IRA KEOGH Accounts

402

Number of Accounts for Regular Shares

13,721

Non Member Deposits

Money Market Shares

787

Net Income (unless the amount is already included in Undivided Earnings)

-43,043

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

36,083,201

Total Liabilities

175,505,411

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Democracy Federal Credit Union

How many branches does Democracy Federal Credit Union operate?

Democracy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Democracy Federal Credit Union?

Yes, to access services at Democracy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Democracy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Democracy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Democracy Federal Credit Union offer online and mobile banking?

Most modern institutions like Democracy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.democracyfcu.org.