The Democracy Federal Credit Union is a personal credit card from Democracy Federal Credit Union. The annual fee is $0 (Annual Fee: None). The ongoing APR is 13.00% to 18.00% variable APR for purchases, based on creditworthiness; varies with the Prime Rate after a 5.99% introductory APR for qualifying members for 18 months from account opening on purchases, balance transfers and cash advances introductory rate. Rewards: Earn one reward point for every dollar spent; redeem for cash, gift cards or a payment to your Democracy FCU Visa bill (minimum 5,000 points; points expire in 5 calendar years). Typical credit limit: $500 - $30,000. Loan terms: Revolving card; minimum monthly payment 2.5% of the total new balance or $25, whichever is greater; no interest on purchase balances paid within 25 days of the statement closing date.