Explore Introductory Offers Valid Until 2/28/26
······
0.00% APR 1 on all Purchases
✓ First 6 months — shop interest-free with financial flexibility
AND
0.00% APR 1 on all Balance Transfers
✓ First 12 months — pay down debt without the added interest
*Both Introductory Offers Begin On the Date Your Credit Card is Approved.
EMPOWER YOUR FINANCIAL WELLNESS THIS 2026
Get up to
$25,0001
Get a Fresh Start
You don't have to stay stuck to your current terms—this year, don't let high-interest payments hold you back. 2
Save and Experience More
With one of the lowest interest rates around on our Platinum Visa®, you’ll save more—so you can spend your money on what truly matters.3
Platinum Visa® Perks
From 9.99% APR* after the intro period to exclusive member benefits like no annual fees and no cash advance fees.4
Rates
FICO
Rate
Card Type
FICO 720+
Rate APR*
Card Type Platinum
FICO 680-719
Rate APR*
Card Type Platinum
FICO 640-679
Rate APR*
Card Type Classic
FICO 600-639
Rate APR*
Card Type Classic
FICO ≤599
Rate APR*
Card Type Classic
Balance Transfer Calculator
Member Testimonial
"As a single woman living in LA, managing my finances on my own has always been a bit of a challenge, especially after the holidays. I had a credit card balance sitting at 22% APR, and the interest was eating away at my payments. I felt like I was never getting ahead. That’s when I decided to take advantage of DowneyFCU’s balance transfer offer. I transferred my balance to a card with a 9.99% APR, and the difference has been incredible. Not only am I saving hundreds of dollars in interest, but now I can focus on paying down my balance faster, without the weight of high interest hanging over me. It’s been such a relief—this is exactly what I needed to take control of my finances again!"
★
★
★
★
★
— Rachel M., Los Angeles, CA
Frequently Asked Questions
How do I Complete a Credit Card Balance Transfer Online with DowneyFCU?
Step 1:
Access your DowneyFCU account via Online Banking or the mobile app.
Step 2:
Navigate to the Balance Transfer option within your credit card account services menu.
Step 3:
Review your available credit before entering the transfer details.
Step 4:
Enter the information for the card you wish to transfer a balance from and submit your request.
Prefer to complete your balance transfer in person or over the phone? Contact us at
DFCULoans@downeyfcu.org or call
562-862-8141.
How do I make payments to my DFCU Platinum Visa® Credit Card?
Payments are made through DowneyFCU Online Banking.Can I use DFCU's Platinum Visa® Credit Card internationally?
Yes, you can use your Platinum Visa® Credit Card worldwide! Enjoy the convenience of accessing your funds abroad, ensuring a seamless payment experience no matter where your travels take you. DFCU 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.What should I do if my DFCU Platinum Visa® Credit Card is lost or stolen?
Contact Co-Op® Financial Services immediately to report the loss. We are here to help!Disclosures
1
APR = Annual Percentage Rate. There is only one offer of 0.00% APR for 12 billing cycles with a 3.00% balance transfer fee during the promotional period. Valid for transfers made between 01/01/2026 and 02/28/2026. Applies to qualifying DFCU credit cards with an available balance only. After 12 billing cycles, rates revert to the standard rate for which the member qualified. Minimum transfer amount: $500. Transfers allowed up to the available credit limit (minus 3.00% fee). Offer valid for transfers from other financial institutions only. Convenience checks, online/mobile banking transfers, regular purchases, or cash advances do not qualify. Finance charges accrue from the transaction date. Late payments may result in APR reverting to standard rates after a 60-day past due period. Payments are applied to higher APR balances first. To apply for the promotional rate, complete the Balance Transfer form via the DowneyFCU mobile app, call 562-862-8141, or visit the branch. Rates, fees, and terms subject to change; credit approval required. Commitment to lend is not guaranteed.
2
Local financial institution rate comparison as of 6.13.24. Email feedback@downeyfcu.org for details.
3
Consult with a Financial Wellness Consultant for personalized support. These are general guidelines and statements.
4
Grace periods last at least 21 days. As long as you pay your full statement balance by the time your payment due date rolls around, you'll pay no interest on your purchase. Speak to a financial advisor for your personal situation.
