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 14.90% for purchases, balance transfers and cash advances after the intro (or if you do not qualify for the intro APR) after a 7.99% introductory APR for qualifying members for 18 months from account opening on purchases, balance transfers and cash advances introductory rate. Typical credit limit: Up to $5,000 (maximum financed). 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.