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 214th largest credit union in the state of California. It is also the 2,597th largest credit union in the nation. It was established in 1946 and as of September of 2018, it had grown to 14 employees and 4,198 members at 1 location. Desert Valleys Federal Credit Union's money market rates are 36% higher than the national average, and it 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

Related Posts

View all posts from:


Reviews

No reviews have been left for this bank yet. Be the first to review.



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
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD15.86%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$38.8MM$35.2MM
LoansQ3 2018vs Q3 2017$21.7MM$19.7MM
DepositsQ3 2018vs Q3 2017$35.4MM$32.1MM
Equity CapitalQ3 2018vs Q3 2017$2.5MM$2.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$240.00K$158.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$136.00K$146.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Desert Valleys Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.11%-$1.4k52 Week Club
0.50%$1k-IRA Share
0.50%--Desert Kids
0.10%$1k-Regular Shares

Desert Valleys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Super Saver Money Market Account
OTHER TIERS: 0.45% $2.5k - $10k | 0.50% $10k - $25k | 0.55% $25k - $50k

Desert Valleys Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.90%$100k-60 Month Jumbo CD
1.65%$100k-48 Month Jumbo CD
1.45%$100k-36 Month Jumbo CD
1.40%*$50k*$100k36 Month Term Share
OTHER TIERS: 1.00% $1k - $2.5k | 1.10% $2.5k - $10k | 1.25% $10k - $50k
1.25%$100k-24 Month Jumbo CD
1.20%*$50k*$100k24 Month Term Share
OTHER TIERS: 0.80% $1k - $2.5k | 0.90% $2.5k - $10k | 1.05% $10k - $50k
1.10%$100k-12 Month Jumbo CD
1.05%*$50k*$100k12 Month Term Share
OTHER TIERS: 0.70% $1k - $2.5k | 0.80% $2.5k - $10k | 0.95% $10k - $50k
0.90%$100k-6 Month Jumbo CD
0.85%*$50k*$100k6 Month Term Share
OTHER TIERS: 0.65% $1k - $2.5k | 0.70% $2.5k - $10k | 0.75% $10k - $50k

Desert Valleys Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.90%$100k-60 Month Jumbo IRA Certificate
1.65%$100k-48 Month Jumbo IRA Certificate
1.45%$100k-36 Month Jumbo IRA Certificate
1.40%*$50k*$100k36 Month IRA Certificate
OTHER TIERS: 1.00% $1k - $2.5k | 1.10% $2.5k - $10k | 1.25% $10k - $50k
1.25%$100k-24 Month Jumbo IRA Certificate
1.20%*$50k*$100k24 Month IRA Certificate
OTHER TIERS: 0.80% $1k - $2.5k | 0.90% $2.5k - $10k | 1.05% $10k - $50k
1.10%$100k-12 Month Jumbo IRA Certificate
1.05%*$50k*$100k12 Month IRA Certificate
OTHER TIERS: 0.70% $1k - $2.5k | 0.80% $2.5k - $10k | 0.95% $10k - $50k
0.90%$100k-6 Month Jumbo IRA Certificate
0.85%*$50k*$100k6 Month IRA Certificate
OTHER TIERS: 0.65% $1k - $2.5k | 0.70% $2.5k - $10k | 0.75% $10k - $50k
Locations


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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.