Desert Valleys Federal Credit Union

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CURRENT TOP RATE

60 Month Jumbo CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.90%	5-year CD	3.10% - Synchrony Bank 60 Month CD
1.05%	1-year CD	2.50% - Synchrony Bank 12 Month CD
0.10%	Savings	1.90% - American Express National Bank High Yield 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 215^th largest credit union in the state of California. It is also the 2,610^th largest credit union in the nation. It was established in 1946 and as of June of 2018, it had grown to 14 employees and 4,215 members at 1 location. Desert Valleys Federal Credit Union's money market rates are 25% 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:

2006

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

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Health

B

Data as of Q2 2018

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	1.13%
Return on Equity - YTD	17.69%
Annual Interest Income	$814.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$38.9MM$34.5MM
Loans	Q2 2018vs Q2 2017	$21.6MM$19.6MM
Deposits	Q2 2018vs Q2 2017	$35.7MM$31.7MM
Equity Capital	Q2 2018vs Q2 2017	$2.5MM$2.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$211.00K$158.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$87.00K$101.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
Money Market
CD
IRA

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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%	-	$1.4k	52 Week Club
0.40%	$1k	-	IRA Share
0.40%	-	-	Desert Kids
0.10%	$1k	-	Regular Shares

Desert Valleys Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$50k^*	-	Super Saver Money Market Account
OTHER TIERS: 0.40% → $2.5k - $10k \| 0.45% → $10k - $25k \| 0.50% → $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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