Democracy Federal Credit Union Mortgage Rates
Democracy Federal Credit Union currently offers a 30-year fixed mortgage at 7.100% APR, 0.52 points above the national average. Democracy Federal Credit Union publishes rates for 5 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.00% | 7.10% | 0.00 |
| 15-Year Fixed | 7.25% | 7.41% | 0.00 |
| 20-Year Fixed | 6.50% | 6.71% | 0.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
Democracy Federal Credit Union Eligibility
Live, work, worship or attend school in Washington DC or underserved areas of certain VA and MD counties. Family members of existing members also qualify.
Openness: exclusive
