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Downey Federal Credit Union

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Downey Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Downey Federal Credit Union?

Yes, to access services at Downey Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Downey Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Downey Federal Credit Union's top rate as of October 13, 2026 is personal loans from 7.25% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Downey Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.02%. Rates last updated and verified on 10/13/2026.

Downey Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Downey Federal Credit Union? Share your experience about Downey Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Downey Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Downey Federal Credit Union
Main Branch

8237 3rd St
Downey, CA 90241-3718

https://www.downeyfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Downey Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.25%	10 year
Details Term: 10 year draw period and 10 year repayment period; As Low As; Rates are subject to change without notice, but will not increase more than 6.00% above the initial rate or 18.00%, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Downey Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	7.25%
Details As low as; Discount offer(s) valid for auto and personal loan applications submitted February 1 - December 31, 2026, loan(s) must fund by December 31, 2026 to remain eligible for the offer. This offer is not valid for refinancing an existing DFCU loan. No other discounts can be applied to this offer. Loan approval is not guaranteed and based on DFCU's standard loan underwriting guidelines, including but not limited to: income, debt-to-income ratio, good membership standing, credit history and credit score. Loan promotional rate floor (lowest rate possible) for auto loans is 3.24% and for personal loans it is 7.25%. In order to receive the floor rate, member must qualify for the additional rate discounts of 1) 0.25% APR rate discount for established direct deposit in to a DFCU checking account and 2) 0.25% APR rate discount for member having a DFCU Shield Elite Checking account, have the qualifying membership tenure, and be approved for a 36-month term for an auto loan or for a 12-month term for a personal loan. APR may vary based on loan amount, term, and creditworthiness. Membership tenure will be determined by the membership "Since" date that appears in DFCU's internal record keeping system. Other terms and rates are available. Rates are subject to change without notice. Offer may not be combined with any other promotional or rate discount offers. Membership must be in good standing to be eligible for the offer. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Downey Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	7.25%
Details Loyalty rate displayed. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.50% → 7.25% ▼ 0.25 pts · high 7.50% / low 7.00% Sep 28, 20267.25%▲ from 7.00% Sep 17, 20267.00%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Downey Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
PLOC Loan	-	-	10.90%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.90% → 10.90% ▲ 1.00 pts · high 10.90% / low 9.90% Sep 28, 202610.90%▲ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%
Flex CD & IRA	-	-	3.85%
Details Unlimited Deposits; Enjoy One (1) Penalty-Free Withdrawal; No Maximum Limit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Downey Federal Credit Union’s Texas Ratio stayed near 2.85% in Q3 2023 to 3.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$328M	3.02%	5.0	A+
March 31, 2026	$331M	2.80%	5.0	A+
December 31, 2025	$328M	2.70%	5.0	A+
September 30, 2025	$327M	26.72%	4.0	C
June 30, 2025	$325M	26.45%	4.1	C+
March 31, 2025	$324M	25.48%	4.1	C+
December 31, 2024	$321M	26.89%	4.0	C
September 30, 2024	$335M	3.71%	5.0	A+
June 30, 2024	$334M	3.52%	5.0	A+
March 31, 2024	$369M	2.36%	5.0	A+
December 31, 2023	$362M	3.22%	5.0	A+
September 30, 2023	$355M	2.85%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Downey Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Downey Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Downey Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Downey Federal Credit Union

Website https://www.downeyfcu.org

Address 8237 3rd St, Downey, CA 90241-3718

Phone 562-862-8141

Fax 562-622-0791

President Robert Becker

CEO Raymond Mesler

Full-Time Employees 62

Part-Time Employees 10

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.02%

Return on Assets (ROA)

0.1596%

Return on Equity (ROE)

1.8138%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

327,912,647

Total Amount of Shares and Deposits

267,941,490

Total Shares and Deposits < 1 Year

260,702,725

Total Shares and Deposits 1 3 Years

6,508,963

Total Shares and Deposits > 3 Years

729,802

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

17,030,162

Total Uninsured Shares and Deposits > $250K (F+J)

17,030,162

Total Insured Shares and Deposits > $250K (item 17 less item K)

250,911,328

Total Interest Expense (Sum of items 6 8)

2,214,688

Share Certificates

1,155

Number of Accounts for Share Drafts

14,344

IRA KEOGH Accounts

535

Number of Accounts for Regular Shares

24,046

Money Market Shares

485

Net Income (unless the amount is already included in Undivided Earnings)

523,360

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,767,258

Total Liabilities

307,822,498

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Downey Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/downey-federal-credit-union-rates-review-11870">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Downey Federal Credit Union

How many branches does Downey Federal Credit Union operate?

Downey Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Downey Federal Credit Union?

Yes, to access services at Downey Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Downey Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Downey Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Downey Federal Credit Union offer online and mobile banking?

Most modern institutions like Downey Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.downeyfcu.org.