Featured Savings Rates
Featured Accounts

Desert Communities Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%5-year CD5 Year CD
0.25%1-year CD1 Year CD
0.05%SavingsShare Account

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

Desert Communities Federal Credit Union is headquartered in Needles and is the 251st largest credit union in the state of California. It is also the 3,149th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 4 employees and 2,397 members at 2 locations. Desert Communities Federal Credit Union has a C+ 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
C+
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 - YTD-0.34%
Return on Equity - YTD-4.81%
Annual Interest Income$372.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$25.3MM$23.5MM
LoansQ2 2016vs Q2 2015$7.2MM$5.8MM
DepositsQ2 2016vs Q2 2015$23.4MM$21.6MM
Equity CapitalQ2 2016vs Q2 2015$1.7MM$1.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$55.00K$90.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$212.00K$157.00K
Real Estate OwnedQ2 2016vs Q2 2015$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
0.15%*$2k*-IRA Shares Account
OTHER TIERS: 0.10% $50 - $2k
0.15%*$2k*-Roth IRA Share Account
OTHER TIERS: 0.10% $50 - $2k
0.15%$2k-Roth IRA Conversion Share Account
0.10%$50-Education IRA Share Account
0.05%$50-Share Account
0.05%--Christmas Club Account

Desert Communities Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Insured Money Market Account (IMMA)

Desert Communities Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$5k-5 Year CD
1.01%$5k-4 Year CD
0.75%$5k-3 Year CD
0.50%$5k-2 Year CD
0.25%$5k-1 Year CD
0.20%$5k-6 Month CD

Desert Communities Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$5k-5 Year IRA CD
1.01%$5k-4 Year IRA CD
0.75%$5k-3 Year IRA CD
0.50%$5k-2 Year IRA CD
0.25%$5k-1 Year IRA CD
0.20%$5k-6 Month Roth IRA CD
0.20%$5k-6 Month Roth IRA Conversion CD
0.20%$5k-6 Month 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