Credit union · NCUA insured
Democracy Federal Credit Union Credit Card Rates
Democracy Federal Credit Union credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Democracy Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Democracy Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Democracy Federal Credit Union
13.00%APR
- Up to
- —
VISA Rewards
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Democracy Federal Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Rewards
Earn 1 point for every $1 spent. Maximum credit limit $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Variable rate of Wall Street Prime + 6% (13.00%). Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $30,000. Rewards points. |
Sources (2)
All captured Oct 15, 2026
VISA Secured
Secured by funds in Democracy FCU Share Savings Account. No balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Funds held in share account. Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $10,000. |
| Ongoing | 7.90% | None | 7.90% APR for Balance Transfers. No Balance Transfer Fee. |
Sources (3)
- democracyfcu.org/content/docs/…ecured-Form_08242020.pdf
- democracyfcu.org/rates-1.html
- democracyfcu.org/borrow/credit-card.html
All captured Oct 15, 2026
Visa Classic
Fixed-rate credit card with no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Fixed-rate. Minimum monthly payment: 2.5% of total new balance or $25, whichever is greater. No interest on purchase balances paid within 25 days of statement closing dates. Maximum financed $5,000. |
| Ongoing | 14.90% | None | 14.90% APR for Balance Transfers. No Balance Transfer Fee. |
Sources (3)
- democracyfcu.org/content/docs/…ecured-Form_08242020.pdf
- democracyfcu.org/rates-1.html
- democracyfcu.org/borrow/credit-card.html
All captured Oct 15, 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.