Classic Visa® — Downey Federal Credit Union is a personal credit card from Downey Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 14.74% (FICO 640-679), 16.74% (FICO 600-639) or 17.99% (FICO 599 or less) after a 0% promotional APR on all purchases and balance transfers for the first six (6) billing cycles introductory rate for 6 months.