Credit union · NCUA insured
Downey Federal Credit Union Savings Rates
Top CarrotDowney Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Summer Survival. Rates checked October 16, 2026.
How Downey Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where Downey Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Downey Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Summer Survival
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Downey Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Downey Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Elevate Savings Account
0.10%APY
Ideal for those new to saving. Tiered rates with monthly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Monthly dividend period. | 5.00% | — | Monthly dividend period. |
| $2,000 – $5,000Monthly dividend period. | 3.00% | — | Monthly dividend period. |
| Over $5,000Monthly dividend period. | 0.10% | $10 | Monthly dividend period. |
Sources (2)
All captured Oct 6, 2026
Summer Survival
2.00%APY
For teachers and school personnel. Minimum balance to earn dividends is $100. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFor teachers and school personnel. Quarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 2.00% | $200 | For teachers and school personnel. Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 6, 2026
Tiered Money Market Account
Up to 0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. | 0.10% | — | Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. |
| $2,500 and upMoney Market shares opened prior to 04/01/18 with balances of $2,500 or more continue to earn a monthly dividend rate of 0.05% and APY of 0.05%. | 0.05% | $5 | Money Market shares opened prior to 04/01/18 with balances of $2,500 or more continue to earn a monthly dividend rate of 0.05% and APY of 0.05%. |
| $10,000 – $25,000Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. | 0.25% | $25 | Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. |
| $25,000 – $50,000Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. | 0.40% | — | Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. |
| $50,000 – $100,000Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. | 0.75% | — | Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. |
| $100,000 and upDividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. | 1.00% | — | Dividends compounded and credited monthly. Minimum daily balance of $2,500 required to obtain disclosed APY and earn dividends. |
Sources (4)
- downeyfcu.org/page.php?id=savings · captured Oct 6, 2026
- doc.downeyfcu.org/dfcu-truth-i…ure-booklet-20260116.pdf · captured Oct 8, 2026
- downeyfcu.org/page.php?id=savings-rates · captured Oct 8, 2026
- doc.downeyfcu.org/ratesheet.pdf · captured Oct 8, 2026
Share Secured VISA
0.03%APY
Share account securing a VISA card. Minimum balance to earn dividends is $500. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upQuarterly dividend period. Minimum balance to earn dividends is $500.$500 and up | 0.03% | $3 | Quarterly dividend period. Minimum balance to earn dividends is $500. |
Sources (1)
- doc.downeyfcu.org/espanol/dfcu-rate-sheet-espanol.pdf · captured Oct 6, 2026
Standard Savings Account
0.03%APY
Membership requires maintaining a $5 par value in the required savings account. Minimum balance to earn dividends is $100. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 0.03% | $3 | Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (3)
All captured Oct 6, 2026
You Name It (Cuenta de Ahorro Personal)
0.03%APY
For any savings goal. Minimum balance to earn dividends is $100. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 0.03% | $3 | Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Cuenta de IRA (IRA Share Account)
0.25%APY
IRA Share savings account. Minimum balance to earn dividends is $100. Quarterly dividend period. (Excludes IRA certificates / Flex IRA).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 0.25% | $25 | Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 6, 2026
Berenstain Bears Program (Cuenta Juvenil Berenstain Bears Cub)
0.15%APY
Youth savings program for ages 0-10. Minimum balance to earn dividends is $5. Monthly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor ages 0-10. Monthly dividend period. Minimum balance to earn dividends is $5.$5 and up | 0.15% | $15 | For ages 0-10. Monthly dividend period. Minimum balance to earn dividends is $5. |
Sources (2)
All captured Oct 6, 2026
Holiday Club (Cuenta Navideña)
0.15%APY
Savings program for holiday expenses. Minimum balance to earn dividends is $100. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 0.15% | $15 | Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 6, 2026
Moneysmart Program (Cuenta Juvenil Money Smart)
0.15%APY
Youth savings program for ages 11-17. Minimum balance to earn dividends is $5. Monthly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor ages 11-17. Monthly dividend period. Minimum balance to earn dividends is $5.$5 and up | 0.15% | $15 | For ages 11-17. Monthly dividend period. Minimum balance to earn dividends is $5. |
Sources (2)
All captured Oct 6, 2026
Coogan Trust (Cuenta Juvenil Coogan Trust)
0.05%APY
For cubs in the entertainment industry. Minimum balance to earn dividends is $100. Quarterly dividend period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFor youth in the entertainment industry. Quarterly dividend period. Minimum balance to earn dividends is $100.$100 and up | 0.05% | $5 | For youth in the entertainment industry. Quarterly dividend period. Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 6, 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.