⏰ Special Loyalty Discounts Just For You!   Enjoy up to 2.00% APR* OFF your next personal or car loan     Learn More
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REWARDING YOUR
MEMBER LOYALTY
WITH SAVINGS

Auto Loans starting at 3.24% APR*
Personal Loans starting at 7.00% APR*
At DowneyFCU, your loyalty means everything to us. That’s why, for a limited time,
we’re offering exclusive rate discounts on loans—available only to our loyal members
until February 28, 2025!
Your Membership Tenure, Your Discount
The longer you've been a member, the greater your savings!


Membership Tenure
APR* Discount
Loans Eligible
Tenure 10 years +
Discount 2.00% OFF
Loans Eligible Personal and Auto
Tenure 5 years +
Discount 1.50% OFF
Loans Eligible Personal and Auto
Tenure 2 years +
Discount 1.00% OFF
Loans Eligible Personal and Auto
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The results provided by this calculator are estimates and are intended for informational purposes only. The actual terms, rates, and offers may vary based on your creditworthiness and other factors. Rates, offers, and terms are subject to change without notice and may expire. Please contact DowneyFCU directly to confirm your eligibility and to discuss specific offers.
Disclosures
1
Annual Percentage Rate. Discount offer(s) valid for auto and personal loan applications submitted January 13 - February 28, 2025, loan(s) must fund by February 28 to remain eligible for the offer. This offer is not valid for refinancing an existing DFCU loan. No other discounts can be applied to this offer. Loan approval is not guaranteed and based on DFCU’s standard loan underwriting guidelines, including but not limited to: income, debt-to-income ratio, good membership standing, credit history and credit score. Loan promotional rate floor (lowest rate possible) for auto loans is 3.24% and for personal loans it is 7.00% . In order to receive the floor rate, member must qualify for the additional rate discounts of 1) 0.25% APR rate discount for established direct deposit in to a DFCU checking account and 2) 0.25% APR rate discount for member having a DFCU Shield Elite Checking account, have the qualifying membership tenure, and be approved for a 36-month term for an auto loan or for a 12-month term for a personal loan. Membership tenure will be determined by the membership “Since” date that appears in DFCU’s internal record keeping system. Other terms and rates are available. Rates are subject to change without notice. Membership must be in good standing to be eligible for the offer. To learn what good standing is and to see DFCU auto loan rates and terms visit www.downeyfcu.org.

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ROUTING # 322275115 · NMLS # 401786
*APR=Annual Percentage Rate. +APY=Annual Percentage Yield. Rates and yields are subject to change without notice.
A member in good standing meets all membership requirements, including maintaining the $5 par value in the required savings account. Member must not be suspended, expelled, or withdrawn from membership and should be current on dues or payments. This status ensures full access to credit union services, products, and voting rights.
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