We’ve received reports of scammers pretending to be Democracy FCU. Please stay alert, we will NEVER ask for your passwords, PIN, or verification codes. If you receive a call asking you for your username and/or password, please hang up the phone an call us back.
We will open at 1:00 PM on Wednesday, May 13, 2026 due to staff traning. We apologize for any inconvenience. Online, Mobile, and Phone Banking are available 24/7.
Low-Interest Credit Card Options
Could low-rate credit cards benefit your financial situation?
Find the best Visa® credit card to get a valuable tool meeting your everyday needs and putting more money back in your pocket.
At Democracy FCU, we have the best card options to fit your budget and lifestyle!
Those in our local D.C., Maryland or northern Virginia community can choose from the best low-interest credit card options with specialty features, perks and rewards. Whether you’re a credit connoisseur or starting out on your credit journey, members who apply for a card with us can enjoy a low-interest credit card rate that meets your unique needs.
Visa® Rewards Get rewarded when you shop with the best rewards credit card! Every dollar you spend earns you one reward point. Redeem for cash, gift cards or even to put toward your Democracy FCU Visa® bill.
Visa® Classic A fixed-rate credit card with a steady rate and no surprises!
Secured Visa® Build credit history or re-establish credit with our Secured Visa®. It’s secured by funds in your Democracy FCU Share Savings Account, so the application process is streamlined.
If you want us to authorize transaction that will go over your credit limit, download the Over the Limit Fee Opt in Form and either mail to the address on the form or fax it to Card Services at 571-527-2343
