Credit Cards · Downey, California

Best Credit Union Credit Card Rates in Downey, California

3 credit unions in Downey report credit card APRs to the NCUA. Rates range from 10.75% to 15.64%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.75%

Lowest Card APR

12.49%

City Average APR

Credit Card APRs — Downey, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	RANCHO ★ 2.7 · 20 reviews	10.75%	5.99%
2	DOWNEY ★ 3.9 · 97 reviews	11.08%	9.54%
3	FINANCIAL PARTNERS ★ 3.8 · 155 reviews	15.64%	15.46%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Downey could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Downey credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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