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Desert Communities Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%5-year CD5 Year CD
0.10%1-year CD1 Year CD
0.04%SavingsShares

Overview / Commentary
877-717-3232
1001 W Broadway St
Needles, CA 92363

Desert Communities Federal Credit Union is headquartered in Needles and is the 232nd largest credit union in the state of California. It is also the 2,915th largest credit union in the nation. It was established in 1954 and as of March of 2018, it had grown to 4 employees and 2,822 members at 2 locations. Desert Communities Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Kingman, Fort Mohave, Bullhead City, Lake Havasu City, Golden Valley, and Mohave Valley in Arizona and Laughlin, Nevada.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Desert Communities Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #9821
Year Chartered1954
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD1.26%
Annual Interest Income$255.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$30.2MM$27.6MM
LoansQ1 2018vs Q1 2017$13.7MM$7.9MM
DepositsQ1 2018vs Q1 2017$28.5MM$25.7MM
Equity CapitalQ1 2018vs Q1 2017$1.6MM$1.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$151.00K$47.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$55.00K$219.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Desert Communities Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2k*-IRA Shares
OTHER TIERS: 0.05% $50 - $2k
0.10%*$2k*-Roth IRA Share
OTHER TIERS: 0.05% $50 - $2k
0.10%$2k-Roth IRA Conversion Share
0.05%$50-Education IRA Share
0.04%$50-Shares
0.04%--Christmas Club

Desert Communities Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Insured Money Market Account (IMMA)

Desert Communities Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-5 Year CD
0.25%$5k-4 Year CD
0.20%$5k-3 Year CD
0.15%$5k-2 Year CD
0.10%$5k-6 Month CD
0.10%$5k-1 Year CD

Desert Communities Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-5 Year IRA CD
0.25%$5k-4 Year IRA CD
0.20%$5k-3 Year IRA CD
0.15%$5k-2 Year IRA CD
0.10%$5k-6 Month Roth IRA CD
0.10%$5k-6 Month Roth IRA Conversion CD
0.10%$5k-6 Month IRA CD
0.10%$5k-1 Year IRA CD
Locations


Desert Communities Federal Credit Union Locations
Branch Office4747 S Highway 95Fort Mohave, AZ 86426-9377
Branch Office1001 W Broadway StNeedles, CA 92363-2703

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