You Asked, We Listened
Rewarding
Your Loyalty
With Savings
Loyalty deserves to be rewarded! Take advantage of our most requested promotion:
exclusive loan discounts based on your membership length.
exclusive loan discounts based on your membership length.
finance your goals
1
For Travel
Treat yourself to unforgettable experiences this season! Whether it’s a sunny espace or visiting family, enjoy your trip without the immediate financial strain.2
For Savings
Improve Your Financial Wellness. Lower your existing debt’s interest rate to save money and pay it off faster—leaving more room for the things you love.2
For Everyday
From unexpected expenses to funding your 2026 goals, our personal and vehicle loans help cover your seasonal needs so you can focus on enjoying the moment.2
Your Membership Tenure, Your Discount
The longer you've been a member, the greater your savings!
Membership Tenure
APR* Discount
Loans Eligible
APR* as low as
5 years +
1.50% OFF
Personal
and Vehicle
and Vehicle
Personal: As low as 7.50%
Vehicle: As low as 3.49%
Vehicle: As low as 3.49%
2 years +
1.00% OFF
Personal
and Vehicle
and Vehicle
Personal: As low as 8.00%
Vehicle: As low as 3.99%
Vehicle: As low as 3.99%
💡 Did you know? When you borrow with us, you can skip a payment every few months! Learn More Now.
Visualize Your Savings in Seconds
Personal Loan Calculator 2
Vehicle Loan Calculator 2
Disclosures
1
Annual Percentage Rate. 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 2.99% and for personal loans it is 7.00% . 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. To learn what good standing is and to see DFCU auto loan rates and terms visit www.downeyfcu.org.
2
The results provided by this calculator are estimates and are intended for informational purposes only. The actual terms, rates, and offers may vary based on your creditworthiness and other factors. Rates, offers, and terms are subject to change without notice and may expire. Please contact DowneyFCU directly to confirm your eligibility and to discuss specific offers.
