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Desert Valleys Federal Credit Union

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CURRENT TOP RATE

60 Month Jumbo Share Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	5-year CD	60 Month Jumbo Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
0.70%	1-year CD	12 Month Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.05%	Savings	Regular Share Account 1.30% - Nationwide Bank Online Savings Account

View all Desert Valleys Federal Credit Union rates »

Overview / Commentary

www.desertvalleys.org

760-446-3500

100 E Ward Ave
Ridgecrest, CA 93555-2668

Desert Valleys Federal Credit Union is headquartered in Ridgecrest and is the 217^th largest credit union in the state of California. It is also the 2,665^th largest credit union in the nation. It was established in 1946 and as of December of 2017, it had grown to 14 employees and 4,129 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

Related Posts

View all posts from:

2006

7/8 - 6% 18-Month CD at a California CU ($25K max)

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Health

B

Data as of Q4 2017

Learn why bank health matters

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 Chartered	1946
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	16.33%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$35.9MM$32.7MM
Loans	Q4 2017vs Q4 2016	$19.8MM$18.7MM
Deposits	Q4 2017vs Q4 2016	$32.8MM$30.2MM
Equity Capital	Q4 2017vs Q4 2016	$2.2MM$1.9MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$169.00K$184.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$105.00K$76.00K
Real Estate Owned	Q4 2017vs Q4 2016	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.07%	-	$1,378	52 Week Club
0.40%	-	-	Desert Kids
0.30%	$100	-	IRA Share
0.05%	-	-	Regular Share Account

Desert Valleys Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$50k^*	-	Super Saver Money Market Account
OTHER TIERS: 0.20% → $2,500 - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k

Desert Valleys Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%	$100k	-	60 Month Jumbo Share Certificate
1.30%	$100k	-	48 Month Jumbo Share Certificate
1.10%	$100k	-	36 Month Jumbo Share Certificate
1.00%	$100k	-	24 Month Jumbo Share Certificate
0.95%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 0.55% → $1k - $2,500 \| 0.65% → $2,500 - $10k \| 0.80% → $10k - $50k
0.85%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $2,500 \| 0.55% → $2,500 - $10k \| 0.70% → $10k - $50k
0.80%	$100k	-	12 Month Jumbo Share Certificate
0.70%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $2,500 \| 0.45% → $2,500 - $10k \| 0.60% → $10k - $50k
0.60%	$100k	-	6 Month Jumbo Share Certificate
0.50%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 0.30% → $1k - $2,500 \| 0.35% → $2,500 - $10k \| 0.40% → $10k - $50k

Desert Valleys Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%	$100k	-	60 Month Jumbo IRA Share Certificate
1.30%	$100k	-	48 Month Jumbo IRA Share Certificate
1.10%	$100k	-	36 Month Jumbo IRA Share Certificate
1.00%	$100k	-	24 Month Jumbo IRA Share Certificate
0.95%^*	$50k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 0.55% → $1k - $2,500 \| 0.65% → $2,500 - $10k \| 0.80% → $10k - $50k
0.85%^*	$50k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 0.45% → $1k - $2,500 \| 0.55% → $2,500 - $10k \| 0.70% → $10k - $50k
0.80%	$100k	-	12 Month Jumbo IRA Share Certificate
0.70%^*	$50k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 0.35% → $1k - $2,500 \| 0.45% → $2,500 - $10k \| 0.60% → $10k - $50k
0.60%	$100k	-	6 Month Jumbo IRA Share Certificate
0.50%^*	$50k^*	-	6 Month IRA Share Certificate
OTHER TIERS: 0.30% → $1k - $2,500 \| 0.35% → $2,500 - $10k \| 0.40% → $10k - $50k

Locations

Desert Valleys Federal Credit Union Locations
Branch Office	100 E Ward Ave	Ridgecrest, CA 93555-2668

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