Explore the Benefits of our Introductory Offers
······
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 SUMMER
Get up to
$25,0001
Start Fresh. Enjoy More.
A balance transfer could help simplify your finances and give you more flexibility for the moments that matter most this summer. 2
Keep More for What Matters.
Enjoy one of our lowest credit card rates and discover how a DFCU Platinum Visa® can help you keep more of your money focused on your goals—not interest.3
Year-Round Member Perks.
From rates as low as 9.99% APR1 after the introductory period to no annual fees and no cash advance fees, your DFCU Platinum Visa® is designed with members in mind.
Rates After Intro Period
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
"I kept putting off a balance transfer because I wasn't sure if it was the right move. Looking back, I wish I had done it sooner. A few months in, seeing my payments go toward my balance instead of mostly interest has been incredibly motivating. For the first time in a long time, I feel like I'm making real progress—and that financial goals that once felt overwhelming are finally within reach."
—Abbie, Los Angeles, CA 4
★
★
★
★
★
—Abbie, Los Angeles, CA 4
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 the DowneyFCU mobile app. Visit "Credit Cards" within the app to get started.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. Offer valid for 0.00% APR for 12 billing cycles with a 3.00% balance transfer fee during the promotional period. Valid for transfers made between 07/01/2026 and 07/31/2026. 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 of $500 per transfer. Transfers allowed up to the available credit limit, minus the 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. 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. Members without an existing qualifying DFCU credit card must apply and be approved prior to submitting a Balance Transfer form. Approval is subject to standard DFCU underwriting guidelines and is not guaranteed. Rates, fees, and terms subject to change.
2
Comparison based on publicly available credit card rate information published by select Southern California credit unions as of June 2026. Rates, terms, and offers are subject to change without notice and may vary based on creditworthiness. Competitor information obtained from publicly available rate disclosures and credit card product pages.
3
Consult with a Financial Wellness Consultant for personalized support. These are general guidelines and statements.
4
Name and identifying details have been changed to protect member privacy. Testimonial reflects an individual member's experience and may not be representative of all members' experiences. Results will vary based on individual circumstances.
