Credit union · NCUA insured
Democracy Federal Credit Union CD Rates
Democracy Federal Credit Union’s best CD rate is 3.45% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Democracy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Democracy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Democracy Federal Credit Union
3.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $345
Share Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Democracy Federal Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Democracy Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.45%APY · 6 terms
Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change. Fees may reduce earnings on the accounts. Dividends will be forfeited if account is closed before accrued dividends are credited.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,000 and up | APY · $2,500 and up | APY · $3,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 2.00% | — | — | — | — | 2.00% | $100 |
| 9 months | — | 2.45% | — | — | — | 2.45% | $183 |
| 12 months | — | — | 3.45% | — | — | 3.45% | $345 |
| 18 months | — | — | — | 3.40% | — | 3.40% | $514 |
| 36 months | — | — | — | — | 3.20% | 3.20% | $991 |
| 60 months | — | — | — | — | 3.15% | 3.15% | $1,677 |
Sources (3)
- democracyfcu.org/certificates.html
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spend/certificates.html
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 3 terms
Traditional or Roth IRA certificate. Maximum limit (cap) on deposit for each IRA product is $250,000. Minimum additional deposit $25. Variable rates are subject to change after the account is opened. Fees may reduce earnings on the account.
| Term | APY · $500 – $250,000 | APY · $2,000 – $250,000 | APY · $2,500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsTraditional or Roth. Minimum additional deposit $25. Maximum deposit limit $250,000 | 4.00% | — | — | 4.00% | $400 |
| 36 monthsTraditional or Roth. Minimum additional deposit $25. Maximum deposit limit $250,000 | — | 4.10% | — | 4.10% | $1,281 |
| 60 monthsTraditional or Roth. Minimum additional deposit $25. Maximum deposit limit $250,000 | — | — | 4.25% | 4.25% | $2,313 |
Sources (2)
All captured Sep 19, 2026
Coverdell Education Savings Certificate
Up to 4.00%APY · 2 terms
Coverdell Education Savings Certificate under IRA products. Maximum limit (cap) on deposit for each IRA product is $250,000. Minimum additional deposit $25. Variable rates are subject to change after the account is opened. Fees may reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum additional deposit $25. Maximum deposit limit $250,000 | 4.00% | $400 |
| 36 monthsMinimum additional deposit $25. Maximum deposit limit $250,000 | 3.95% | $1,232 |
Sources (1)
- democracyfcu.org/rates-1.html · captured Sep 19, 2026
Youth & Young Adult Generation APY Certificate
2.50%APY · 1 term
Available to all members under 18. Once the owner turns 19, the additional deposit feature is not available. Minimum additional deposit $25.00. Annual dividends on balances of $1,000 and over. Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals. Fees may reduce earnings. Dividends forfeited if account closed before accrued dividends are credited.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum additional deposit $25.00. Annual dividends on balances of $1,000 and over | 2.50% | $124 |
Sources (3)
- democracyfcu.org/certificates.html
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spend/certificates.html
All captured Sep 19, 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.