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Democracy

P O Box 25516, Alexandria, VA 22313
NCUA Insured2.8 (21 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O Box 25516

Alexandria, VA 22313

Service Area

This credit union is located in Alexandria and serves members in the VA area. Currently serving 12,010 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.78%

Used Auto Loan

6.90%

Personal Loan

12.03%

Credit Card APR

13.53%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

2.8

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Michael

Michael

3 months ago

By far the worst banking experience I have ever had. The branches have limited hours and are frequently closed for random training despite how unprofessional their staff is. Moreover, they charge a fee for everything. Fee to use a FREE in-network ATM even though this credit union only has four branches. They charge a fee because mail you did not request gets sent back to them. And the debit cards do not even have RFID, so you can't add it to your phone to do tap-to-pay. Avoid this credit union at all cost. It is not worth the hassle.

shunwrites

shunwrites

5 months ago

I would have canceled years ago, but I can't get anyone on the line to even help with that. I've had an ongoing problem (years) where they've price gouged by way of a $2 fee that is supposed to be waived at partner (Shared Co-op) network. Attempting to call is an exercise in futility, but if you select an option (collections) this will get you a live person on line, who will likely be unable to help you. My experience with them has been worse than a bank.

Afnin Lemeneh

Afnin Lemeneh

a year ago

Literally ordered a card a month ago and still haven’t received it after being told it would take 7-10 business days. When I called they said a credit card hasn’t been created for you and tried to charge me $65 for 2-3 business days shipping after I already waited a month. Even though they are the ones that sent me a confirmation without creating the card. Worst customer service I’ve ever experienced. They take no accountability. Still haven’t received a call from a supervisor or nothing only 1 or 2 helpful people in the bank. They will promise you a personal call back to get you out of the office and never call. Now I have to go in the branch to pay my bill even because I still don’t have my card.

larry strange

larry strange

a year ago

I contacted the card services department to dispute a charge from a vendor I no longer do business with. 3plus weeks later, I haven't received a new debit card in the mail. Furthermore, management refused to expedite a new debit card to me even though it was there fault after 3plus weeks another debit card wasn't ordered. My car is in disrepair so I can't visit a Branch

Nick V

Nick V

2 years ago

Excellent experience working with Sheree on an auto loan. As a first time car buyer she was patient and helpful with all my questions. The whole process from application to receiving the check was quick, straight forward and easy. Also the best rates you will find anywhere!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).