Featured Savings Rates
Featured Accounts

Desert Valleys Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.21%5-year CD60 Month Jumbo Share Certificate
0.55%1-year CD12 Month Share Certificate
0.05%SavingsRegular Share Account

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 231st largest credit union in the state of California. It is also the 2,794th largest credit union in the nation. It was established in 1946 and as of December of 2016, it had grown to 13 employees and 4,039 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 - YTD0.55%
Return on Equity - YTD9.3%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$32.7MM$29.2MM
LoansQ4 2016vs Q4 2015$18.7MM$15.6MM
DepositsQ4 2016vs Q4 2015$30.2MM$27.1MM
Equity CapitalQ4 2016vs Q4 2015$1.9MM$1.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$184.00K$178.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$76.00K$108.00K
Real Estate OwnedQ4 2016vs Q4 2015$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%-$1,37852 Week Club
0.30%--Desert Kids
0.10%$100-IRA Share
0.05%--Regular Share Account

Desert Valleys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Super Saver Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

Desert Valleys Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$100k-60 Month Jumbo Share Certificate
1.00%$100k-48 Month Jumbo Share Certificate
0.85%$100k-36 Month Jumbo Share Certificate
0.80%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.50% $1k - $2,500 | 0.60% $2,500 - $10k | 0.70% $10k - $50k
0.75%$100k-24 Month Jumbo Share Certificate
0.70%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.40% $1k - $2,500 | 0.50% $2,500 - $10k | 0.60% $10k - $50k
0.60%$100k-12 Month Jumbo Share Certificate
0.55%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.25% $1k - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $50k
0.40%$100k-6 Month Jumbo Share Certificate
0.35%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.20% $1k - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $50k

Desert Valleys Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$100k-60 Month Jumbo IRA Share Certificate
1.00%$100k-48 Month Jumbo IRA Share Certificate
0.85%$100k-36 Month Jumbo IRA Share Certificate
0.80%*$50k*-36 Month IRA Share Certificate
OTHER TIERS: 0.50% $1k - $2,500 | 0.60% $2,500 - $10k | 0.70% $10k - $50k
0.75%$100k-24 Month Jumbo IRA Share Certificate
0.70%*$50k*-24 Month IRA Share Certificate
OTHER TIERS: 0.40% $1k - $2,500 | 0.50% $2,500 - $10k | 0.60% $10k - $50k
0.60%$100k-12 Month Jumbo IRA Share Certificate
0.55%*$50k*-12 Month IRA Share Certificate
OTHER TIERS: 0.25% $1k - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $50k
0.40%$100k-6 Month Jumbo IRA Share Certificate
0.35%*$50k*-6 Month IRA Share Certificate
OTHER TIERS: 0.20% $1k - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $50k
Locations


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