Today's rates from DEMOCRACY
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.75% | 6.914% | — | Sep 10, 2026 | Visit | |
| 20 Year Fixed | 6.75% | 6.965% | — | Sep 10, 2026 | Visit | |
| 15 Year Fixed | 6.5% | 6.765% | — | Sep 10, 2026 | Visit | |
| FHA 30 Year Fixed | 6.25% | 6.948% | — | Sep 10, 2026 | Visit | |
| VA 30 Year Fixed | 6.5% | 6.662% | — | Sep 10, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7% | 7.099% | — | Sep 10, 2026 | Visit | |
| 15 Year Fixed Jumbo | 7.375% | 7.537% | — | Sep 10, 2026 | Visit |
Rate history
Lowest daily rate DEMOCRACY advertised for each product, past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join DEMOCRACY
Democracy Federal Credit Union membership is available to those who live, work, worship, or attend school in Washington, D.C., and select underserved areas of Northern Virginia and Maryland. Employees of many federal agencies and specific companies, as well as family members of current account holders, are also eligible to join.
Employer
Department of Health and Human Services, Department of Education, Food and Drug Administration, Federal Energy Regulatory Commission, Gallaudet University, Social Security Administration, Department of Justice, Department of Energy, Department of Labor, NEA, FEMA, Drexel University…
Association / SEG
National Education Association, Our Lady Queen of Peace Parish, Metropolitan Baptist Church, Third Baptist Church, City of Hope International Worship Centre
Military / veteran
US Air Force
County
Arlington County, VA, Fairfax County, VA, Prince George’s County, MD, Montgomery County, MD
City
Washington, DC, Alexandria, VA
Where DEMOCRACY writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with DEMOCRACY.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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