Platinum 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 10.74% (FICO 720+) or 12.74% (FICO 680-719) after a 0% promotional APR on all purchases and balance transfers for the first six (6) billing cycles introductory rate for 6 months.