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Credit union · NCUA insured

Democracy Federal Credit Union

A $190M credit union headquartered in Alexandria, VA, with 11,818 members and 4 branches in 4 states. Best rates: CDs 3.45% and savings 1.15% APY.

Democracy Federal Credit Union Carrot Score

78

Carrot Score

Higher than 47% of U.S. banks and credit unions

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#73 of 105 in Washington, DC-VA-MD-WV metroHow the score works →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About Democracy Federal Credit Union

Democracy Federal Credit Union is a member-owned cooperative headquartered in Alexandria, Virginia, serving Washington, D.C., and parts of Maryland and Northern Virginia.

Certified by the U.S. Department of the Treasury, Democracy FCU has maintained its status as a Community Development Financial Institution (CDFI) since 2016.

Headquarters
400 N Columbus St, Alexandria, VA 22314
NCUA charter
1407
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Membership

Who can join

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Persons who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in Washington, District of Columbia are eligible for membership.
  • Persons who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in the underserved area of Prince George’s and Montgomery Counties, Maryland are eligible for membership.
  • Persons who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in the underserved area of Alexandria City, Arlington County and Fairfax County, Virginia are eligible for membership.

Employers and groups

  • Employees and affiliates of approved Select Employee Groups (SEGs) are eligible for membership.

Military, government and schools

  • Employees of the Executive Office for Immigration Review, U.S. Department of Justice who work in Falls Church, Virginia are eligible for membership.
  • Employees of the U.S. Department of Labor and of the Interstate Commerce Commission who work in the Gateway Building, 3535 Market Street, Philadelphia, Pennsylvania are eligible for membership.
7 more ways to join

Military, government and schools

  • Baltimore District employees of the Food and Drug Administration, United States Public Health Service, Department of Health and Human Services who work within Region III territory are eligible for membership.
  • Employees of Federal Energy Regulatory Commission who work in or are headquartered from Washington, DC are eligible for membership.
  • Employees of Federal Labor Relations Authority who work in or are paid from Washington, DC are eligible for membership.
  • Employees of the Department of Health and Human Services and the Department of Education who work in Region III (Delaware, Maryland, Pennsylvania, Virginia, West Virginia or Washington, DC) are eligible for membership.
  • Employees of Gallaudet University and the National Credit Union Administration who work in Washington, DC are eligible for membership.
  • Employees of 11SG/UM USAF, US Air Force, and Department of Energy who work in the Webb Building at 4040 N. Fairfax Drive, Arlington, Virginia are eligible for membership.

Family and household

  • Immediate family of a member (relatives by blood, adoption, legal custody, marriage, or domestic partnership for a minimum of six months) or persons living within the same household as a member are eligible for membership.

Branches

4 branches in 4 states

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Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.