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Branch Closure for Martin Luther King Jr. Day

All Democracy Federal Credit Union branches will be closed on Monday, January 19, 2026 in observance of Martin Luther King, Jr. Day. You can still access your accounts easily through Online and Mobile Banking.

Together for the holidays.

Our Holiday Loan is back!

Apply for a holiday loan

Holiday Loan

Whether you're planning early shopping, travel, or simply want extra cash to enjoy the festivities stress-free, our Holiday Loan is here for you.

Fall into early access to funds with our Holiday Loan to help you prepare now so you can focus on what really matters – making memories with family and friends.

October 15, 2025 - December 31, 2025

Borrow up to $6,000* for up to 24 months
APR as low as 9.00%

apply for a holiday loan

*New money only.

Why get a holiday loan?

Because the holidays are expensive—but they don’t have to be stressful.

Our Holiday Loan helps you enjoy the season without the stress. Instead of piling holiday spending onto high-interest credit cards, you can borrow a set amount at a lower rate... with predictable monthly payments that fit your budget. It’s a smarter, simpler way to cover gifts, travel, and celebrations without breaking the bank.

Apply before December 31, 2025!

*APR = Annual Percentage Rate. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. New Money Only. No other discounts apply.

Online Banking

Our Kasasa Cash & Cashback rates are now higher than ever before!

Together for the holidays.

Holiday Loan

Holiday Loan

Why get a holiday loan?