Which Savings Plan Benefits You Most?
✓ 0% APR* for 12 Months with a 3% Transfer Fee
OR
✓ 2.95% APR* for 12 Months with No Transfer Fee
^Introductory periods begin on the date your Credit Card is approved, so you can begin to reap your benefits immediately! Offers expire February 28, 2025.
EMPOWER YOUR FINANCIAL WELLNESS THIS 2025
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 make payments to my DFCU Platinum Visa® Credit Card?
Payments are made through our partner's website: MyCardInfo.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. Members have a choice of a Balance Transfer rate of 2.95% APR for twelve (12) billing cycles from the date of the initial Balance Transfer with NO Balance Transfer fees, OR, a Balance Transfer rate of 0% APR for twelve (12) billing cycles from the date of the initial Balance Transfer with a 3% Balance Transfer fee. Promotion applies to qualifying DFCU credit cards and on the amount transferred only. Special Balance Transfer offer valid for transfers made from 01/01/2025 to 02/28/2025. Effective after the 12 billing cycles from the date of the initial Balance Transfer, all credit cards will default to the standard rate the member qualified for at the time of opening their DFCU credit card. Visit www.downeyfcu.org to view standard DFCU credit card rates. Minimum advance amount is $500. Balance Transfers are allowed up to the credit card’s available limit, minus a 3% fee if 0% APR option is chosen. Rates, fees and terms are subject to change at any time. All new credit card applications are subject to terms, conditions and credit approval. Offer valid only for Balance Transfers from credit cards and loan balances from other financial institutions. Transfers/transactions via Convenience Checks, Online/Mobile Banking, or regular purchases and cash advances do not qualify, and are subject to the standard rate and terms of the Credit Card Agreement. Finance Charges accrue from the transaction date. A late fee will be assessed for any late payments. There is a 60-day past due period prior to APR automatically reverting back to non-promotional rate. If after 60 days from the payment due date, the payment remains late or exceeds the member’s credit limit, the credit card rate will default to the non-promotional standard rate the member was eligible for at the time of the Balance Transfer approval, and any remaining balances will accrue at the regular non-promotional standard APR. A Balance Transfer cannot be used to make payments on this or any other credit/loan account issued by DFCU. DFCU will allocate your payments to balances with higher APRs before balances with lower APRs. To get the promotional rate, you must fill out the Balance Transfer form. To download the Balance Transfer form visit our website at www.downeyfcu.org, call us at 562-862-8141, or visit our branch.
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.