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 252nd largest credit union in the state of California. It is also the 3,224th largest credit union in the nation. It was established in 1954 and as of December of 2015, it had grown to 4 employees and 2,249 members at 2 locations. Desert Communities Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be Atchison, Topeka, and Santa Fe Railway employees in Needles, California and Parker, Arizona and their family members.
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-0.29%
Return on Equity - YTD-3.85%
Annual Interest Income$677.00K
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$24.0MM$21.6MM
LoansQ4 2015vs Q4 2014$6.8MM$5.1MM
DepositsQ4 2015vs Q4 2014$22.1MM$19.6MM
Equity CapitalQ4 2015vs Q4 2014$1.8MM$1.9MM
Loan Loss AllowanceQ4 2015vs Q4 2014$60.00K$88.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$262.00K$67.00K
Real Estate OwnedQ4 2015vs Q4 2014$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