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iAdvertiser Disclosure
Advertiser Disclosure
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 Downey Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 13, 2026
Downey Federal Credit Union's 10 Flex CD rates are at 3.85%, 60 month CDs rates are at 2.50%, 48 month CDs rates are at 2.25%, 36 month CDs rates are at 2.00%, 24 month CDs rates are at 1.75%. Downey Federal Credit Union's savings rates are at 0.03%. Downey Federal Credit Union's money market rates are at 0.10%. Downey Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Downey Federal Credit Union with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 29.42%. Rates were last updated on 03/13/2026. Downey Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Downey Federal Credit Union? Share your experience about Downey Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Downey Federal Credit Union. 
Downey Federal Credit Union CD Rates
Downey Federal Credit Union Savings Rates
Downey Federal Credit Union Money Market Rates
Downey Federal Credit Union Checking Rates
Downey Federal Credit Union Home Equity & HELOC
Downey Federal Credit Union Auto Loan Rates
Downey Federal Credit Union Credit Card Rates
Downey Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Downey Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Downey Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Downey Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Downey Federal Credit Union
Website
https://www.downeyfcu.org
Address
8237 3rd St,
Downey, CA 90241 3718
Phone
562-862-8141
Fax
562-622-0791
President
Robert Becker
CEO
Raymond Mesler
Full-Time Employees
56
Part-Time Employees
7
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.8 / 5.0 ★
Overall Health & Safety Grade
C (73/100)
Texas Ratio
29.42%
Return on Assets (ROA)
-0.1296%
Return on Equity (ROE)
-1.4082%
Non-Performing Loans Ratio (NPL)
4.83%
Total Assets
326,781,547
Total Amount of Shares and Deposits
260,669,046
Total Shares and Deposits < 1 Year
253,121,883
Total Shares and Deposits 1 3 Years
6,589,334
Total Shares and Deposits > 3 Years
957,829
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,907,979
Total Uninsured Shares and Deposits > $250K (F+J)
15,907,979
Total Insured Shares and Deposits > $250K (item 17 less item K)
244,761,067
Total Interest Expense (Sum of items 6 8)
3,470,170
Share Certificates
1,084
Number of Accounts for Share Drafts
14,174
IRA KEOGH Accounts
537
Number of Accounts for Regular Shares
23,412
Non Member Deposits
1
Money Market Shares
503
Net Income (unless the amount is already included in Undivided Earnings)
-423,384
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,851,931
Total Liabilities
306,162,732
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Downey Federal Credit UnionIs Downey Federal Credit Union a safe place to deposit money?Yes, Downey Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 29.420901102843%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Downey Federal Credit Union operate?Downey Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Downey Federal Credit Union?Yes, to access services at Downey Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Downey Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Downey Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Downey Federal Credit Union offer online and mobile banking?Most modern institutions like Downey Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.downeyfcu.org. Current Downey Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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