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: 3.40%, 60-Month CD: 3.15%, Savings: 1.00%, MMA: 1.75%

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Democracy Federal Credit Union

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Democracy Federal Credit Union Rates & Review October 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 and Verified: October 12, 2026

Democracy Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its 60 Month Traditional or Roth IRA CD, 1.00% APY on savings, 1.75% APY on money market accounts, personal loans from 7.99% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Democracy Federal Credit Union CD rates include 36 Month Traditional or Roth IRA CD at 4.10%, 12 Month Traditional or Roth IRA CD at 4.00%, and 12 Month CD at 3.45%. MonitorBankRates evaluates the financial stability of Democracy Federal Credit Union with a 4.6 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 9.01%. Rates last updated and verified on 10/12/2026.

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 Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

9.01%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Democracy Federal Credit Union
Alexandria

400 N Columbus St
Alexandria, VA 22314

https://www.democracyfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Democracy Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Traditional or Roth IRA Certificate	4.18%	4.25%	60 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
36 Month Traditional or Roth IRA Certificate	4.04%	4.10%	36 months
Min Deposit $2,000 Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.10% APY · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
12 Month Traditional or Roth IRA Certificate	3.94%	4.00%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
12 Month Certificate	3.40%	3.45%	12 Month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
18 Month Certificate	3.36%	3.40%	18 Month
Min Balance $2,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
36 Month Certificate	3.16%	3.20%	36 Month
Min Balance $3,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
60 Month Certificate	3.11%	3.15%	60 Month
Min Balance $3,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.15% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
9 Month Certificate	2.43%	2.45%	9 Month
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.45% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
6 Month Certificate	1.98%	2.00%	6 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	1.00%	1.00%
Details Balances of $3,500 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
IRA Savings	0.75%	0.75%
Details Balances of less than $3,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Holiday/Vacation Savings Account	0.15%	0.15%
Min Balance $100 Details Earn daily dividends on balances over $100, paid and compounded quarterly. Payroll deductions can deposit funds automatically. Funds can be automatically transferred into your savings or checking account. You decide how much to save each month and how many months you want to save for Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Share Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Funds Federally Insured by NCUA up to $250,000; Excess Share Insurance provides an Additional $250,000 in Coverage Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.74%	1.75%
Min Balance $100,000 Details Balance: Over $100,000 to $250,000; A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Money Market Account	1.74%	1.75%
Min Balance $250,000 Details Balance: Over $250,000 - +; A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.75% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Money Market Account	1.49%	1.50%
Min Balance $25,000 Details Balance: Over $25,000 to $50,000; A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Money Market Account	1.49%	1.50%
Min Balance $50,000 Details Balance: Over $50,000 to $100,000; A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Money Market Account	1.14%	1.15%
Min Balance $1,000 Details Balance: $1,000 to $25,000; A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 7 years	-	-	5.00%	7 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Monthly Payment per $1,000: $14.13 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 6 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Home Equity 10 years	-	-	7.00%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Monthly Payment per $1,000: $10.36 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 6 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Home Equity 15 years	-	-	7.25%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Monthly Payment per $1,000: $7.91 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 6 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Home Equity 10 years	-	-	7.50%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Monthly Payment per $1,000: $10.85 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 6 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Home Equity 15 years	-	-	7.75%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Monthly Payment per $1,000: $8.71 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 6 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.10%	66 Months
Details Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.10% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Same as New Auto Loan	-	-	5.10%	66 Months
Details Loan Amount: Up to $15,000; Up to 125% 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.10% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Auto Loan	-	-	5.50%	66 Months
Details Loan Amount: Up to $15,000; Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Vehicle Loan	-	-	5.50%	66 Months
Details Loan Amount: Up to $15,000; Amount: Up to 80% 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.50% APR · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
New Auto Loan	-	-	5.80%	78 Months
Details Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.80% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Same as New Auto Loan	-	-	5.80%	78 Months
Details Loan Amount: $15,000 to $35,000; Up to 125% 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.80% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Auto Loan	-	-	6.40%	78 Months
Details Loan Amount: $15,000 to $35,000; Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.40% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Vehicle Loan	-	-	6.40%	78 Months
Details Loan Amount: $15,000 to $35,000; Amount: Up to 80% 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.40% APR · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
New Auto Loan	-	-	7.05%	84 Months
Details Loan Amount: $35,000+; Amount: Up to 125% of MSRP 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.05% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Same as New Auto Loan	-	-	7.05%	84 Months
Details Loan Amount: $35,000+; Up to 125% 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 and are subject to change. Payment examples do not include debt protection coverage. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.05% APR · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Used Auto Loan	-	-	7.40%	84 Months
Details Loan Amount: $35,000+; Amount: 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.40% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Vehicle Loan	-	-	7.40%	84 Months
Details Loan Amount: $35,000+; Amount: Up to 80% 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 and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.40% APR · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Secured	-	7.90%
Details Funds will be held in share account Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.90% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Visa Classic	-	14.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.90% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	7.99%	Up to 84 months
Details Maximum APR: 18.00%. Signature rates 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. APR as low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

Democracy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Everyday Access Line of Credit	-	-	12.50%
Details variable rate of Wall Street Prime + Margin; $30,000 maximum; The Annual Percentage Rate(APR) will change on the 1st day of each quarter (January, April, July, and October) based on the interest rate Index. The Index is the Prime Rate published in the Wall Street Journal on the last day of each quarter plus a margin of 5.50%. The APR will never be more than 18.00% or the maximum rate allowed by NCUA, whichever is less. Any increase in the annual percentage rate as a result of an increase in the Index will result in higher payments. Your monthly payment for a variable rate line of credit balances will be 2.5% of the outstanding balances, however, your minimum payments will never be less than $10.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 12.50% APR · checked 2 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
12 Month Coverdell Education Savings Certificate	3.94%	-	4.00%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
36 Month Coverdell Education Savings Certificate	3.89%	-	3.95%	36 months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.95% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Holiday Share	0.15%	-	0.15%
Min Balance $100 Details $100 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%
Regular Share	0.10%	-	0.10%
Min Balance $5 Details $100 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.6 Star Rating A- Health Grade ◈ Texas Ratio: 9.01%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Democracy Federal Credit Union’s Texas Ratio rose from 4.48% in Q3 2023 to 9.01% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$188M	9.01%	4.6	A-
March 31, 2026	$190M	6.55%	4.7	A
December 31, 2025	$190M	9.30%	4.8	A
September 30, 2025	$189M	3.25%	5.0	A+
June 30, 2025	$181M	8.42%	5.0	A
March 31, 2025	$183M	5.34%	5.0	A+
December 31, 2024	$181M	7.33%	5.0	A
September 30, 2024	$181M	12.46%	5.0	A
June 30, 2024	$187M	7.37%	5.0	A
March 31, 2024	$193M	8.80%	5.0	A
December 31, 2023	$192M	6.44%	5.0	A
September 30, 2023	$184M	4.48%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 29

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

9.01%

Return on Assets (ROA)

-0.2939%

Return on Equity (ROE)

-4.4567%

Non-Performing Loans Ratio (NPL)

1.11%

Total Assets

188,214,580

Total Amount of Shares and Deposits

172,304,789

Total Shares and Deposits < 1 Year

146,109,212

Total Shares and Deposits 1 3 Years

24,340,749

Total Shares and Deposits > 3 Years

1,854,824

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

17,201,853

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

17,201,853

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

155,102,936

Total Interest Expense (Sum of items 6 8)

1,600,918

Share Certificates

1,148

Number of Accounts for Share Drafts

6,767

IRA KEOGH Accounts

405

Number of Accounts for Regular Shares

13,474

Non Member Deposits

Money Market Shares

635

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

41,464,754

Total Liabilities

176,168,984

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Democracy Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Current Democracy Federal Credit Union Rates

12-Month CD3.45%
18-Month CD3.40%
60-Month CD3.15%
Savings1.00%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Democracy Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Democracy Federal Credit Union Texas Ratio

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Frequently Asked Questions About Democracy Federal Credit Union

How many branches does Democracy Federal Credit Union operate?

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Is there a first-time homebuyer program?

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Does Democracy Federal Credit Union offer online and mobile banking?

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