--- title: "Democracy Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Democracy Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Democracy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/democracy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Democracy Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.765% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.965% APR | 6.750% | — | Standard | Democracy Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Democracy Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/democracy) , verified from [Democracy Credit Union's official website](https://democracyfcu.org) Best product position **Better than the Virginia median** 30-year fixed mortgage Gap to state best **23 bp** 23 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Virginia median | 23 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Democracy Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=democracy&state=virginia&code=VA&name=Democracy%20Credit%20Union) Loading branch locator… ## About Democracy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.8K Assets $190M Founded 1936 Locations reported 5 NCUA charter 1407 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Transportation** Main Office · Alexandria · VA · 22314 Branch in the same ZIP](https://rateapi.dev/credit-unions/virginia/transportation) [**State Department FCU** Headquarters · Alexandria · VA · 22314-2763 About 0.1 miles away](https://rateapi.dev/credit-unions/virginia/state-department-fcu) [**Patent and Trademark Office** Main Office · Alexandria · VA · 22314 About 0.5 miles away](https://rateapi.dev/credit-unions/virginia/patent-and-trademark-office) [**US Senate FCU** Bertie Bowman Building · Alexandria · VA · 22314-1691 About 0.6 miles away](https://rateapi.dev/credit-unions/virginia/us-senate-fcu) [**Signature** Signature FCU · Alexandria · VA · 22305 About 1.9 miles away](https://rateapi.dev/credit-unions/virginia/signature) [**Commonwealth One** ALEXANDRIA CITY HIGH SCHOOL · Alexandria · VA · 22302 About 2.0 miles away](https://rateapi.dev/credit-unions/virginia/commonwealth-one) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Democracy Credit Union Membership eligibility from Democracy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Democracy Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Democracy Credit Union's membership page](https://www.democracyfcu.org/join.html) . Final membership determination is always made by the credit union. ## Membership rules for Democracy Credit Union Family 1 published path to membership, last verified August 22, 2026, quoted from Democracy Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member blood relative, adoption, legal custody, marriage, domestic partnership, household member “Immediate family of a member or living within the same household as the member. You can be a relative by blood, adoption, legal custody, marriage, or domestic partnership” > [source ↗](https://www.democracyfcu.org/join.html) - Family member (blood relative, adoption, legal custody, marriage, domestic partnership, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Democracy Credit Union? Yes No ## Work at Democracy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Democracy Credit Union ranks against Virginia peers. - See which AI assistants fetched Democracy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=democracy&state=virginia&code=VA&name=Democracy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Democracy Credit Union offer? Democracy Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Democracy Credit Union rates updated? RateAPI verifies Democracy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Democracy Credit Union's rate data? Rate data is collected directly from Democracy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Democracy Credit Union's mortgage rate? As of November 12, 2026, Democracy Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Democracy Credit Union? Democracy Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for Democracy Credit Union, each quoted from Democracy Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Democracy Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://democracyfcu.org) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Democracy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Democracy Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /democracy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Democracy Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/democracy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp