Credit union · NCUA insured
Democracy Federal Credit Union Savings Rates
Democracy Federal Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Democracy Federal Credit Union’s savings 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
1.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $115
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Democracy Federal Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.15%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.15%APY
Dividends are paid and compounded monthly. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for daily balances below $1,000. Withdrawal restrictions apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 1.15% | $115 |
| $25,000 – $50,000 | 1.50% | — |
| $50,000 – $100,000 | 1.50% | — |
| $100,000 – $250,000 | 1.75% | — |
| Over $250,000 | 1.75% | — |
Sources (1)
- democracyfcu.org/rates-1.html · captured Sep 19, 2026
Regular Share
0.10%APY
Primary membership account required to join. $10 membership fee. Dividends calculated daily, paid quarterly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Balances less than $100. | 0.00% | — | Balances less than $100. |
| $100 and upBalances $100 and over. | 0.10% | $10 | Balances $100 and over. |
Sources (3)
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spend/savings.html
- democracyfcu.org/save-and-spend/share-savings.html
All captured Sep 19, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Available as Traditional IRA, Roth IRA, or Rollover IRA variable rate share account. Maximum limit (cap) on deposit for each IRA product is $250,000. Minimum deposit, minimum additional deposit, and minimum balance are None. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,500Balances of less than $3,500. | 0.75% | — | Balances of less than $3,500. |
| $3,500 – $250,000Balances of $3,500 and over. Maximum deposit cap is $250,000. | 1.00% | $100 | Balances of $3,500 and over. Maximum deposit cap is $250,000. |
Sources (3)
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spend/iras.html
- democracyfcu.org/save-and-spend/savings.html
All captured Sep 19, 2026
Youth and Young Adult Share
0.40%APY
Available to eligible children from birth to 12 years old. A regular Share Account must be opened and maintained along with this sub-share. Dividends will be forfeited if account is closed before accrued dividends are credited. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Balances of less than $100.00. | 0.30% | — | Balances of less than $100.00. |
| $100 and upBalances of $100.00 and over. | 0.40% | $40 | Balances of $100.00 and over. |
Sources (1)
- democracyfcu.org/rates-1.html · captured Sep 19, 2026
Holiday Share
0.15%APY
No minimum deposit, minimum balance, or minimum additional deposits. The APY is accurate as of last dividend declaration date. Fees may reduce earnings. Dividends earned daily and compounded/paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Balances less than $100. | 0.00% | — | Balances less than $100. |
| $100 and upBalances $100 and over. | 0.15% | $15 | Balances $100 and over. |
Sources (3)
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spen…ay-vacation-savings.html
- democracyfcu.org/save-and-spend/savings.html
All captured Sep 19, 2026
Vacation Share
0.15%APY
No minimum deposit, minimum balance, or minimum additional deposits. The APY is accurate as of last dividend declaration date. Fees may reduce earnings. Dividends earned daily and compounded/paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Balances less than $100. | 0.00% | — | Balances less than $100. |
| $100 and upBalances $100 and over. | 0.15% | $15 | Balances $100 and over. |
Sources (3)
- democracyfcu.org/rates-1.html
- democracyfcu.org/save-and-spen…ay-vacation-savings.html
- democracyfcu.org/save-and-spend/savings.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.