Fund an Auto Loan
and Enter to Win
Playoff Tickets! ¹

Annual Percentage Rate. Standard DFCU underwriting guidelines apply. Loan approval is not guaranteed. The actual rate you qualify for will be based on credit history, loan terms, and other factors. Rates are subject to change without notice. In order to receive the lowest advertised rate of 5.24% APR, member must qualify for two additional rate discounts: 1) 0.25% APR rate discount for established direct deposit into a DFCU checking account and 2) 0.25% APR rate discount for having a DFCU Shield Elite Checking account. Minimum loan amount to qualify is $10,000. Auto loan must be funded between 08/20/2025 and 09/20/2025 to be automatically entered to win. Loan must be funded by 09/25/2025. Only loans from other financial institutions are eligible; refinances of existing Downey Federal Credit Union (DFCU) loans do not qualify. One (1) winner will be selected to receive two (2) tickets to a local professional baseball playoff game. Limit one (1) entry per eligible auto loan funded during the promotional period. Multiple entries permitted if multiple eligible loans are funded. Date and time of the playoff game are pending and subject to league scheduling. If the event does not take place or the winner is unable to attend, DFCU will provide a $600 cash prize in lieu of tickets. Prize is non-transferable and no substitutions will be made except as provided herein. Odds of winning depend on the number of eligible entries received. Must be 18 years or older and a legal U.S. resident. Membership eligibility required. No purchase necessary to enter or win. To enter without a DFCU auto loan or purchase, hand-print your full name, address, phone number, and email on a 3” x 5” card and either: A) Mail it to: DFCU Auto Loan Giveaway, 8237 3rd Street, Downey, CA 90241, or B) Deliver it in person to the same address during business hours (Mon–Fri 9:00 AM–5:30 PM PT, Sat 9:00 AM–2:00 PM PT) within the promotional period. Mail-in entries must be postmarked by 09/20/2025 and received by 09/25/2025. Each entry must be submitted separately—one per envelope or visit. No limit on written entry submissions, but one official written entry per person will count towards drawing – submitting multiple written entries does not increase the chances of winning. Winner will be contacted via phone and/or email by 09/30/2025. Tickets (or cash equivalent) will be delivered within 5 business days of confirmation.

$0 Monthly Payment for 3 months: No Payment/loan deferral program only applies to new vehicles (model years 2024 & newer) and used vehicles up to 5 years old. New money only; no refinancing of a current DFCU loan. The minimum loan amount is $5,000. Loan interest will accrue from the date of loan disbursement & the life of the loan is extended by 3 months. Membership in good standing is required to qualify for this loan promotion. Primary member's FICO score must be 660 or greater. Members can make additional payments at any time. The actual rate you qualify for will be based on credit history and other factors. To see DFCU auto loan rates and terms visit www.downeyfcu.org.

Includes purchase price, tax, license, and extended warranty

Members are eligible to use DFCU's Skip-a-Pay service after six (6) consecutive payments on eligible loans, loan must be in good standing. If you do not include the $50 skip processing fee with your request or if there are insufficient funds available in the account you specify to pay the fee, your Skip-A-Pay request will not be processed, and your regularly scheduled loan payment must be paid. If you take advantage of this Skip-A-Pay offer, your loan will continue to accrue interest during that time. While deferring your next loan payment will extend the term of your loan, you always have the option of making additional or larger payments in the future with no prepayment penalty to pay down your loan faster. By accepting this offer, you request that Downey Federal Credit Union (DFCU) defer your next loan payment for the loan indicated. You also understand and agree that: (1) finance charges will continue to accrue at the rate provided in your original loan agreement, during and after that time; (2) deferring your next payment will result in you having to pay higher total finance charges than if you made your payments as originally scheduled; (3) this payment deferral will extend the term of your loan by one month and you will have to make extra payments after your loan would otherwise be paid off; and (4) you will be required to resume your next regularly scheduled monthly payment in the month following the deferred payment. All payment deferral requests are subject to DFCU approval. All DFCU accounts must be in good standing. All your DFCU loans must be current (have no amounts past due) at the time you choose to accept this offer for your qualifying loan. Certain other restrictions may apply. The loan has to be on the books for 6 months. 6 loan payments must be made before another payment can be skipped. Loans must be current - future payments only. Must be a minimum monthly payment of $100. Minimum balance of $1,000.00 remaining on the loan. No more than 1 late charge in the past 6 months.