Overview / Commentary
760-446-3500
100 E Ward Ave
Ridgecrest, CA 93555-2668

Desert Valleys Federal Credit Union is headquartered in Ridgecrest and is the 215th largest credit union in the state of California. It is also the 2,644th largest credit union in the nation. It was established in 1946 and as of March of 2018, it had grown to 13 employees and 4,184 members at 1 location. Desert Valleys Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to the Trona, California City, Boron, Ridgecrest, Bishop and Lake Isabella communities.
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 Valleys Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5366
Year Chartered1946
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD18.58%
Annual Interest Income$393.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$37.8MM$35.1MM
LoansQ1 2018vs Q1 2017$20.7MM$18.5MM
DepositsQ1 2018vs Q1 2017$34.6MM$32.3MM
Equity CapitalQ1 2018vs Q1 2017$2.3MM$2.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$170.00K$158.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$116.00K$88.00K
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 Valleys Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.07%-$1.4k52 Week Club
0.40%$1k-IRA Share
0.40%--Desert Kids
0.10%$1k-Regular Shares

Desert Valleys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$50k*-Super Saver Money Market Account
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k

Desert Valleys Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100k-60 Month Jumbo CD
1.30%$100k-48 Month Jumbo CD
1.10%$100k-36 Month Jumbo CD
1.05%*$50k*$100k36 Month Term Share
OTHER TIERS: 0.65% $1k - $2,500 | 0.75% $2,500 - $10k | 0.90% $10k - $50k
1.00%$100k-24 Month Jumbo CD
0.95%*$50k*$100k24 Month Term Share
OTHER TIERS: 0.55% $1k - $2,500 | 0.65% $2,500 - $10k | 0.80% $10k - $50k
0.80%*$50k*$100k12 Month Term Share
OTHER TIERS: 0.45% $1k - $2,500 | 0.55% $2,500 - $10k | 0.70% $10k - $50k
0.80%$100k-12 Month Jumbo CD
0.60%*$50k*$100k6 Month Term Share
OTHER TIERS: 0.40% $1k - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $50k
0.60%$100k-6 Month Jumbo CD

Desert Valleys Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100k-60 Month Jumbo IRA Certificate
1.30%$100k-48 Month Jumbo IRA Certificate
1.10%$100k-36 Month Jumbo IRA Certificate
1.05%*$50k*$100k36 Month IRA Certificate
OTHER TIERS: 0.65% $1k - $2,500 | 0.75% $2,500 - $10k | 0.90% $10k - $50k
1.00%$100k-24 Month Jumbo IRA Certificate
0.95%*$50k*$100k24 Month IRA Certificate
OTHER TIERS: 0.55% $1k - $2,500 | 0.65% $2,500 - $10k | 0.80% $10k - $50k
0.80%*$50k*$100k12 Month IRA Certificate
OTHER TIERS: 0.45% $1k - $2,500 | 0.55% $2,500 - $10k | 0.70% $10k - $50k
0.80%$100k-12 Month Jumbo IRA Certificate
0.60%*$50k*$100k6 Month IRA Certificate
OTHER TIERS: 0.40% $1k - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $50k
0.60%$100k-6 Month Jumbo IRA Certificate
Locations


Desert Valleys Federal Credit Union Locations
Branch Office100 E Ward AveRidgecrest, CA 93555-2668

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