back to top
Subscribe for news
RatesRates Contact UsContact Us LocationsLocations Search Sitesearch our site
open mobile menuclose mobile menu
Just for you
Personalize your visit
2025 Annual Meeting Replay
Did you know we offer 4.00% APY on checking?

Financial Counseling Services

Financial Fitness: Video Series

In addition to our free counseling services, you have access to free videos to get financially fit starting today.

Hosted by our Financial Counselor, Delta, you’ll get to deep dive into topics that include:

  • Financial Goal Planning
  • Micros Vs. Macros (Know Your Numbers)
  • Lean Finances
  • Credit Checkup
  • Financial Junk Food (Debt)

Watch along and take notes! You won’t want to miss out on these helpful financial education videos and money management tips.

Delta Payne, Certified Financial Counselor

Delta M. Payne, Certified Financial Counselor, is dedicated to and passionate about helping people meet their financial goals. Over the last 30 years, she has helped hundreds of people avoid and come back from financial hardships. In 2010, the National Federation of Housing Counselors elected her “Counselor of the Year."

Phone: (202) 488-5400 ext. 1865
Email: dpayne@democracyfcu.org
Fax: (571)527-2355
Mail: Attn: Delta Payne c/o Democracy FCU, 
400 N Columbus St #300, Alexandria, VA 22314

Request an appointment

Free Financial Counseling Intake Form

Budgeting and Credit 

Budget and credit counseling services are available to help members with financial planning. We will teach you how to manage money, set financial goals and create the best financial budgeting plan for you. You will also learn about credit scores, common credit card practices and proper use of credit. Here’s what we can do for you:

  • Advise you on managing your money and creating a budget
  • Offer solutions to your current financial concerns
  • Develop a personalized plan to help you prevent future difficulties
  • Help you deal with troubled credit, such as post-bankruptcies, liens, over-extended credit, past-due accounts, payday loans, adverse action, etc.
  • Provide credit restoration techniques for disputing errors shown on your credit report and teach you how to improve your credit score

Debt Management Program

This program creates a unique debt relief solution for your personal financial situation. Learn how to manage debt and improve credit. We will provide you with options to help you plan for a debt-free future.

When you enroll in a debt management plan, we will:

  • Help you simplify the management of your debt and combine most or all unsecured debt into one monthly payment.
  • Create a proposal to your creditors to negotiate debt reductions, lower interest rates, eliminate fees and/or work out payment agreements.
  • Send payments to involved creditors so you can make one simple payment to Democracy FCU.

Financial Series Videos


More Financial Videos

Services