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Should you use Democracy Federal Credit Union? You might like Democracy FCU if you . You might not like Democracy FCU if you . Live in DC, MD, PA, or VA Qualify for membership Are interested in Kasasa accounts, which have high interest rates and cash-back rewards Want bank accounts with no monthly service fees Would like to use a shared branch and ATM network Don t live in DC, MD, PA, or VA Don t qualify for membership Want to earn rewards but aren t eligible for Kasasa account benefits The bottom line: Democracy Federal Credit Union is a good credit union overall, especially if you want to work with a Black-owned institution and/or are trying to avoid monthly fees. ....