The Downey Federal Credit Union is a personal credit card from Downey Federal Credit Union. The annual fee is $0. The ongoing APR is 12.49% to 17.99% APR depending on FICO score (720+ 12.49%; 680-719 14.49%; 640-679 16.49%; 600-639 17.99%) after a 0.00% APR on purchases and balance transfers for the first 6 months introductory rate for 6 months. Signup bonus: 1,000 bonus points with your first purchase. Rewards: 1 point for every $1 spent. Typical credit limit: $1,000 minimum to $25,000 maximum.