The Democracy Federal Credit Union is a personal loan from Democracy Federal Credit Union. The ongoing APR is APR as low as 7.99%; maximum APR 18.00% (up to 84 months, up to $40,000.00; rates include automatic payment and Member Loyalty Program discounts, total discounts up to 1.50%). Typical credit limit: $100 to $40,000. Loan terms: Fixed monthly payments; terms up to 84 months.