Credit union · NCUA insured
Democracy Federal Credit Union Auto Loan Rates
Democracy Federal Credit Union auto loans start at 5.10% APR for a new vehicle and 5.10% for a used one. Rates checked October 22, 2026.
How Democracy Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Democracy Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Democracy Federal Credit Union
5.10%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
Democracy Federal Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.10%
- Used vehicleUsed5.10%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Democracy Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
A New Auto is an untitled auto model year 2026 or newer. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.10% | Loan amount Up to $25,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
| up to 78 months | 5.80% | Loan amount $15,000 to $35,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
| up to 84 months | 7.05% | Loan amount $35,000+. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
Sources (1)
- democracyfcu.org/rates-1.html · captured Oct 4, 2026
Used Auto Loan
Used Auto rates for vehicle model years 2013–2023. New member discount is not applicable. Rates 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.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.50% | For vehicle years 2019 – 2023. Loan amount Up to $15,000. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). New member discount is not applicable. |
| up to 78 months | 6.40% | For vehicle years 2019 – 2023. Loan amount $15,000 to $35,000. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). New member discount is not applicable. |
| up to 84 months | 7.40% | For vehicle years 2019 – 2023. Loan amount $35,000+. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). New member discount is not applicable. |
Sources (1)
- democracyfcu.org/rates-1.html · captured Oct 4, 2026
Used Same as New Auto Loan
A Used Same as New Auto includes model years 2024 and 2025 that are untitled autos or current-year models. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.10% | Loan amount Up to $15,000. Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
| up to 78 months | 5.80% | Loan amount $15,000 to $35,000. Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
| up to 84 months | 7.05% | Loan amount $35,000+. Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%). |
Sources (1)
- democracyfcu.org/rates-1.html · captured Oct 4, 2026
Who can join Democracy Federal Credit Union
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.
Membership information collected October 4, 2026.