APR = Annual Percentage Rate. Rates quoted are the best possible rates available for each product. The actual rate you qualify for will be based on your credit history, FICO/credit score, and other factors. Home Equity Loans (HEL) and Home Equity Lines of Credit (HELOC) are available for owner-occupied, CA primary residences only. Rates start as low as 4.25% to a maximum APR of 18.00% on HEL, and as low as 4.50% to a maximum APR of 18.00% on HELOC. All loans are subject to standard DFCU lending rules, regulations and credit approval. All normal loan underwriting fees (flood certification, appraisal fees, title fees, etc.), up to $1,000, apply. Offers may be changed or discontinued at any time without notice. Membership in good standing is required in order to be approved for this loan promotion. Loan subject to borrower and property qualifications; not all applicants may be approved. Additional restrictions apply. Please contact a DFCU Loan Representative or visit our branch for complete promotional details, qualifying criteria, disclosures, and other rates and terms. DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Deposits are Federally Insured by NCUA.
Gift Card incentive valid from 03.01.2017-05.31.2017. An initial $25,000 minimum withdrawal needs to be taken at the time of funding to qualify for $25 gift card incentive. A $25 gift card from Grocery Outlet, or a gift card of equivalent value, will be provided to the member once a HEL or HELOC has funded for a minimum of $25,000. New money only — no refinancing of any current DFCU loans allowed, and no other loans currently financed at DFCU are eligible for Grocery Outlet incentives. Grand Prize Drawing: A random drawing will be held by June 16, 2017, of all qualifying loans during the promotional period. The member will have a choice of — a 60-second shopping spree at Grocery Outlet, 8320 Firestone Blvd., Downey, CA, or a $250 gift card to said Grocery Outlet. The shopping spree will be arranged at a mutually acceptable time and date for DFCU, Grocery Outlet and the winning member.
No purchase necessary. All prize drawings are open to legal United States residents 18 years or older. An entry may be submitted by legibly printing your first and last name, address, phone number, email address, and "60-second Shopping Spree Drawing" on a 3" x 5" card. Mail entry in a sealed envelope with sufficient postage to Downey Federal Credit Union, Attn: Marketing Department, PO Box 4639, Downey, CA, 90241. Mail-in entries must be postmarked by 05.31.2017 to qualify. DFCU is not responsible for lost, misdirected, or late entries. DFCU employees and volunteers, as well as their immediate family members and household members, are not eligible to win. Entry is free, unconditional and does not depend on the purchase or payment of Credit Union services. The winning members may receive a 1099 Misc. tax form at year-end for tax reporting purposes.