Credit union · NCUA insured
Downey Federal Credit Union Credit Card Rates
Top CarrotDowney Federal Credit Union doesn’t publish an ongoing APR for its credit cards, only a 6-month introductory rate. Rates checked October 16, 2026.
How Downey Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Downey Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Downey Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic
Credit lines range from $500 to $25,000. No annual fees. No cash advance fees. Requires maintaining membership in good standing ($5 par value in savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% promotional APR on all purchases for the first six (6) billing cycles / months from account approval date, up to available credit limit. Reverts to standard APR after promotional period. 25-day grace period. Minimum monthly payment 2.5% of balance ($20 minimum). |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- downeyfcu.org/page.php?id=credit-cards
- downeyfcu.org/page.php?id=visa-credit-cards
- downeyfcu.org/page.php?id=loan-rates
All captured Oct 16, 2026
Eduperks
Exclusively for educators. Requires maintaining membership in good standing ($5 par value in savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | 0% APR feature for educators. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- downeyfcu.org/page.php · captured Oct 16, 2026
Platinum
Credit lines range from $500 to $25,000. No annual fees. No cash advance fees. Foreign transaction fee: 1% of each transaction in US Dollars (for transactions made in foreign currency or billed in US dollars). Requires maintaining membership in good standing ($5 par value in savings account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% introductory promotional APR on all purchases for the first 6 months (first six billing cycles) from account approval date, up to available credit limit. After promotional period, reverts to standard APR. 25-day grace period. Minimum monthly payment 2.5% of balance ($20 minimum). |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- downeyfcu.org/page.php?id=credit-cards
- downeyfcu.org/page.php?id=visa-credit-cards
- downeyfcu.org/page.php?id=loan-rates
All captured Oct 16, 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.