What are the current interest rates at Democracy Federal Credit Union?

Current rates for Democracy Federal Credit Union include: Savings: 0.15%

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Democracy Federal Credit Union

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Democracy Federal Credit Union Rates & Review September 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: September 16, 2026

Democracy Federal Credit Union's savings rates are at 0.15%. Democracy Federal Credit Union's Personal Loan Rates are as low as 7.99%. Democracy Federal Credit Union's Credit Card Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Democracy Federal Credit Union with a 4.7 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.55%. Rates last updated and verified on 09/16/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

6.55%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Democracy Federal Credit Union
Alexandria

400 N Columbus St
Alexandria, VA 22314

https://www.democracyfcu.org

Democracy Federal Credit Union Savings Rates

Product	Rate	APY
Holiday & Vacation Savings	0.15%	0.15%
Min Balance $100 Details Earn a 0.15 percent dividend quarterly when you have over $100 in your account. No minimum balance requirement. The duration of the savings account is up to you! You can choose how much money you save and how long you save for. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Holiday/Vacation Savings Account	0.15%	0.15%
Min Balance $100 Details Earn daily dividends on balances over $100, paid and compounded quarterly Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

Democracy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.00%	7 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity Loan	-	-	7.00%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity Loan	-	-	7.25%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 80%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity Loan	-	-	7.50%	10 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Home Equity Loan	-	-	7.75%	15 years
Details Maximum Loan Amount: $250,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Used Same as New Auto Loan	-	-	5.10%	66 Months
Details Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: Up to $15,000; 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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Used Same as New Auto Loan	-	-	5.80%	78 Months
Details Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $15,000 to $35,000; 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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Used Same as New Auto Loan	-	-	7.05%	84 Months
Details Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $35,000+; 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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

Democracy Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Secured	-	7.90%
Details Funds will be held in share account Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Visa Classic	-	14.90%
No additional details. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

Democracy Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	7.99%	Up to 84 months
Details Maximum APR: 18.00%. The Signature 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. APR as low as Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%
Signature Loan	12.25%
Details variable rate of Wall Street Prime + Margin; 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 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

Democracy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Equity Loan	-	-	3.75%	5 Year Easy Equity
Details Maximum Loan Amount: $50,000; Maximum LTV: 85%; Properties must be owner occupied. Other restrictions apply. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. Last Updated 09/16/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 6.55%

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 4.32% in Q2 2023 to 6.55% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 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
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+
June 30, 2023	$186M	4.32%	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 34

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

6.55%

Return on Assets (ROA)

-0.1416%

Return on Equity (ROE)

-2.1184%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

189,994,202

Total Amount of Shares and Deposits

174,204,194

Total Shares and Deposits < 1 Year

150,246,419

Total Shares and Deposits 1 3 Years

22,425,078

Total Shares and Deposits > 3 Years

1,532,697

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

17,978,667

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

17,978,667

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

156,225,527

Total Interest Expense (Sum of items 6 8)

807,247

Share Certificates

1,207

Number of Accounts for Share Drafts

6,771

IRA KEOGH Accounts

404

Number of Accounts for Regular Shares

13,464

Non Member Deposits

Money Market Shares

785

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)

43,616,564

Total Liabilities

177,663,902

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Democracy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Democracy Federal Credit Union yet. Feel free to create one below.

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Average Rating

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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

Savings0.15%

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

Compare to Other Credit Unions

Democracy Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Democracy Federal Credit Union Texas Ratio

Democracy Federal Credit Union Health Trend

Democracy Federal Credit Union Savings Rates

Democracy Federal Credit Union Home Equity & HELOC

Democracy Federal Credit Union Auto Loan Rates

Democracy Federal Credit Union Credit Card Rates

Democracy Federal Credit Union Personal Loan Rates

Democracy Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Democracy Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Democracy Federal Credit Union

How many branches does Democracy Federal Credit Union operate?

Is a member application needed to join Democracy Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Democracy Federal Credit Union offer online and mobile banking?

Current Democracy Federal Credit Union Rates

Compare to Other Credit Unions