The Democracy FCU All Credit Levels is a cdfi lender from Democracy FCU. The annual fee is $0. The ongoing APR is 7.99%. Rewards: 4.00% APY*. This product reports activity to your personal credit report. Democracy Federal Credit Union (FCU) is a member-focused credit union based in Alexandria, VA, serving individuals in Washington D.C., Virginia, and Maryland. The institution offers a variety of financial products and services aimed at helping members achieve financial freedom, including high-yield checking and savings accounts, personal loans, and home equity lines of credit. Services include: personal loans, home equity lines of credit, auto loans. US Treasury certified CDFI Credit Union in Alexandria, VA. Membership required.