Democracy Federal Credit Union

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A short history of Democracy FCU

Since its inception in 1936 the Democracy Federal Credit Union has been serving its members in the ALEXANDRIA, Virginia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kathy Geary, the Democracy FCU has grown its membership to over 15,189 with assets of more than $155,211,956. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (202) 488-5400 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ALEXANDRIA, VA.

General Information For Democracy FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 1407
Address P O BOX 25516 
State Virginia 
Zip-Code 22313
Phone Number (202) 488-5400
Fax Number (703) 548-5279
Email Address:
CEO/President Kathy Geary
Members 15,189 
Full-Time Employees 45 
Part-Time Employees
Number of Branch Offices
Total Assets 155,211,956 

Compare Democracy Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
State Department CU headquarters 1630 King St 22314 (703) 706-5000 No 0.56
Patent And Trademark Office CU Main Office 501 Dulany St 22314 (571) 272-0350 No 0.90
United States Senate CU GAO 441 G St NW Rm 1100 20077 (202) 289-1771 No 1.75
Pentagon CU Georgia-Augusta Davis Road Branch 205 Davis Rd 30907 (800) 442-5655 No 1.93
A. B. & W. Emp. Credit Union Inc CU Main Office 6201 Richmond Hwy 22303 (703) 768-7000 No 2.16

Democracy Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Democracy Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.28 3.27 4.57 3.55 4.33
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 424 177 274 77 142
Rank Among All Virginia Credit Unions 45 29 39 10 16

Democracy Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.35 1.09 0.87
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 89 155 176
Rank Among All Virginia Credit Unions N/A 29 12 24 22
Democracy Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.2803,2599,140,754
All Other Unsecured Loans/Lines of Credit 10.8901,97515,413,146
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.12016529,956
New Vehicle Loans 3.2702514,859,673
Used Vehicle Loans 4.5705016,683,406
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.55019535,305,139
Total Other Real Estate Loans/Lines of Credit 4.33011211,268,310
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.18033223,856
TOTAL LOANS & LEASES 6,34283,424,240

Democracy Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 6614,436,34161,719,989
    b. 15 Years or less 8810,280,22741,172,000
    a. > 15 years 277,304,30800
    b. 15 Years or less 143,284,26300
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 6110,217,20542,535,452
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 511,051,1054217,500
Open-End Fixed Rate 0000
TOTALS 30746,573,449185,644,941


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Democracy Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes