All Democracy Federal Credit Union branches will be closed on Tuesday, November 11, 2025, in observance of Veterans Day. You can still access your accounts easily through Online and Mobile Banking.
Government Shutdown
If you are facing financial challenges related to the government shutdown, we are here to help.
We’ve got the secret ingredient for peace of mind.
Start saving money with a Hope & Relief Consolidation Loan from Democracy FCU!
Start the New Year off with peace of mind. A Hope & Relief Consolidation Loan is one way we’re working towards putting you on your path to financial freedom for generations. Apply for a Debt Consolidation Loan today!
A Hope & Relief Consolidation Loan is perfect for paying down multiple loans under one, low-interest rate loan.
*APR= Annual Percentage Rate. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Total rate discounts cannot exceed 1.50%. Certain Restrictions Apply.
How much debt are you looking to consolidate?
Please enter a numeric loan amount like "24000" or "24,000"
Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.