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Downey

P.O. BOX 4639, Downey, CA 90241
NCUA Insured3.9 (97 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. BOX 4639

Downey, CA 90241

Service Area

This credit union is located in Downey and serves members in the CA area. Currently serving 19,181 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.18%

Used Auto Loan

6.36%

Personal Loan

9.41%

Credit Card APR

11.65%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.9

97 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Sonic Tails and Knuckles

Sonic Tails and Knuckles

4 months ago

This bank has the best customer service for its customers! I have been banking here for 20 years and service is amazing! Every when I go the deposit I always have happy and cheerful staff! José who is so friendly and fast to help, Ashly who always welcomes you with a small and my favorite Alex! Quite but always goes the extra mile to serve you in anything you need! Peter who always helps you when something needs to get resolved! I recommend that if you need a bank who’s care for you and need a family bank come to DFCU. You won’t regret it!

Bill Dimopoulos

Bill Dimopoulos

6 months ago

I just refinanced my auto loan with Downey Federal Credit Union and had the pleasure of working with Alex. From the moment I walked in, he was incredibly patient and welcoming, even though the branch was busy. What stood out most was how knowledgeable he is. He took the time to walk me through every detail of the refinance process, answered all my questions and made sure I never once felt rushed. He genuinely wanted me to understand my options and feel confident in my decision. In an era where good customer service feels rare, Alex truly puts the customer first. He made what could have been a stressful process completely seamless and even saved me a significant amount on my monthly payment. If you’re looking to refinance or need any banking help at DFCU, ask for Alex — you’ll be in the best hands. Thank you, Alex, for going above and beyond!

Edward G

Edward G

3 months ago

Was just there and was told I was not allowed to withdraw over $5,000. I need to get a car today and they would not work with me. Consider calling up and pulling your money out of this bank, staff are basically retail workers, not great customer service. Also there was a loud noise that was filling the whole room the entire time I was there.

Dolores Eckert

Dolores Eckert

5 months ago

I feel safe with Downey Back I been with them since1996 29 years and very happy with the bank Dolores E

Veronica Ortiz

Veronica Ortiz

9 months ago

I am satisfied with the way I was treated at this bank I opened up a saving & checking account here thank you Yolanda for all your help and making it easy to get a car loan as well. I will surely recommend this Federal Credit Union to my family members.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).