Dear Members,
We have received reports from other financial institutions that there has been an increase in fraudulent activity. Fraudsters are claiming to be from financial institutions with the goal of getting your account and other identification information. If you receive an unsolicited call, email, or text from anyone claiming to be with Downey Federal Credit Union, feel free to call us at (562) 862-8141 to verify before providing any information.

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EDUPerks Credit Card

0% APR*

EDUPerks Credit Card

0% APR*

Unlock the power of DFCU's EDUPerks - The ultimate Visa Credit Card for School Employees! Take advantage of our unbeatable 0% APR* incentive. As you empower students, we empower your finances, providing the support you deserve.

The Perks:

  • Fixed 0% APR* with a limit of up to $1,500
  • One-time automatic $500 limit increase after 6 months*
  • No annual fee
*Annual Percentage Rate. DFCU's EDUPerks Visa Credit Card of 0% APR is exclusive to those DFCU members who are educators or school personnel. Proof of employer will be requested. Member must sign up for, or have, payroll direct deposit with DFCU of at least $500 per month and an open DFCU Checking Account in order to be eligible for this Visa Credit Card. DFCU will ask for proof of direct deposit into an open DFCU account before funding the credit card. Auto payment must also be set-up at the time of funding. If the direct deposit or auto payment is canceled, the discounted rate will be reverted to the standard DFCU Classic Visa rate the member qualifies for at the time of funding, which is determined by creditworthiness, FICO/Credit Score and other factors. View DFCU's current interest rates at www.downeyfcu.org/rates. A one-time automatic $500 limit increase will occur after six (6) consecutive billing cycle payments are made. Rates may change at any time without notice. Approval of a EDUPerks Visa Credit Card is determined by creditworthiness, FICO/credit score and other factors. Please speak to a DFCU Loan Representative for complete details, qualifying criteria, disclosures and other rates and terms. DFCU standard lending rules and regulations apply.
  • $20 fee for late payments
  • $15 fee for returned payments
  • No charge for over-limit transactions
  • No annual fee
  • Foreign Transaction Fees
    • Transactions made in foreign currency: 1% of each transaction in US Dollars
    • Foreign transactions billed in US dollars: 1% of each transaction in US Dollars