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Desert Valleys Federal Credit Union

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CURRENT TOP RATE

60 Month Jumbo CD

Overview / Commentary

www.desertvalleys.org

760-446-3500

100 E Ward Ave
Ridgecrest, CA 93555

Desert Valleys Federal Credit Union is headquartered in Ridgecrest and is the 211^th largest credit union in the state of California. It is also the 2,548^th largest credit union in the nation. It was established in 1946 and as of December of 2019, it had grown to 15 employees and 4,427 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

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2006

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

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Health

B

Data as of Q4 2019

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	15
Primary Regulator

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	13.39%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$40.6MM$38.2MM
Loans	Q4 2019vs Q4 2018	$22.7MM$22.0MM
Deposits	Q4 2019vs Q4 2018	$36.9MM$34.9MM
Equity Capital	Q4 2019vs Q4 2018	$3.0MM$2.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$284.00K$261.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$134.00K$81.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Money Market
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.11%	-	$1.4k	52 Week Club
0.50%	$1k	-	IRA Share
0.50%	-	-	Desert Kids
0.10%	$1k	-	Regular Shares

Desert Valleys Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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^*	$100k	36 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^*	$100k	24 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^*	$100k	12 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^*	$100k	6 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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^*	$100k	36 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^*	$100k	24 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^*	$100k	12 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^*	$100k	6 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 Office	100 E Ward Ave	Ridgecrest, CA 93555-2668

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