Credit union · NCUA insured
Downey Federal Credit Union Auto Loan Rates
Top CarrotDowney Federal Credit Union auto loans start at 3.49% APR for a new vehicle and 3.49% for a used one. Rates checked October 7, 2026.
How Downey Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Downey Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
Vehicle Loans
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
3rd-lowest rate
Rancho Federal Credit Union
3.84%APR
- Terms
- —
- Discount
- None included
Downey Federal Credit Union auto loan score
99
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.49%
- Used vehicleUsed3.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Downey Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans
Loyalty discounts based on membership tenure. Discount offer(s) valid for auto loan applications submitted February 1 – December 31, 2026, loan(s) must fund by December 31, 2026. Not valid for refinancing an existing DFCU loan. Membership must be in good standing (maintaining $5 par value in required savings account, current on dues/payments). Rate floor for auto loans is 2.99% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 2.99% | Requires 10+ years membership tenure (2.00% APR discount). To receive the floor rate of 2.99% APR, member must qualify for 0.25% APR discount for established direct deposit into a DFCU checking account, 0.25% APR discount for having a DFCU Shield Elite Checking account, have qualifying membership tenure, and be approved for a 36-month term. |
| — | 3.49% | Requires 5+ years membership tenure (1.50% APR discount). |
| — | 3.99% | Requires 2+ years membership tenure (1.00% APR discount). |
Sources (1)
- downeyfcu.org/page.php · captured Sep 25, 2026
Who can join Downey Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or go to school in Bell, Bell Gardens, Bellflower, Compton (including East Compton), Cudahy, Downey, Huntington Park, Lynwood, Norwalk, Paramount, Pico Rivera, Santa Fe Springs, or South Gate, CA.
Family and household
- Membership is open to immediate family members of current DowneyFCU members, including siblings, parents, grandparents, spouses, children, or grandchildren.
Cost to join
- Members must open a Savings Account with a minimum deposit of $5 to maintain the $5 par value share.
- New members must pay a one-time membership fee of $7, of which $5 is donated directly to a local charity.
Membership information collected October 5, 2026.