P O Box 25516
Alexandria, VA 22313
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Democracy is an NCUA insured institution located in Alexandria, VA. It was founded in 1936 and has approximately $189.91 millions in assets.
Who can join?
If you live, work, worship, attend school, or regularly conduct business in the areas below, you are eligible to join HEWFCU:
VIRGINIA - Most areas of the City of Alexandria, Arlington and Fairfax Counties
MARYLAND - Most areas of Prince George’s and Montgomery Counties
WASHINGTON, D.C. - All areas of the City
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1407 |
| Date Established | 1936 |
| Assets | $189.91 million |
| Loans | $125.39 million |
| Deposits | $173.82 million |
| Capital | $12.96 million |
Your Current Location: New York, NY 10116
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Your Current Location: New York, NY 10116
There are currently no loan rates available for Democracy
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Below are Democracy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 79.63 | A | View Lobby Hours | |
| 200.46 | B | View Lobby Hours | |
| 203.33 | C | View Lobby Hours | |
| 208.07 | D | View Lobby Hours | |
| 209.39 | E | View Lobby Hours |
DEMOCRACY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Democracy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Democracy | U.S. Average |
|---|---|
| 13.33% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Democracy had $1,797,647 in non-current loans and $49,313 in owned assets. To cover these potential losses it had $12,964,747 in net worth and $892,552 in loans loss reserves. That gives it a Texas Ratio of 13.33%.
| Democracy | U.S. Average |
|---|---|
| 6.83% | 14.48% |
Democracy FCU has a net worth of 6.83% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 17, 2026
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