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 215th largest credit union in the state of California. It is also the 2,610th 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

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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
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD17.69%
Annual Interest Income$814.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$38.9MM$34.5MM
LoansQ2 2018vs Q2 2017$21.6MM$19.6MM
DepositsQ2 2018vs Q2 2017$35.7MM$31.7MM
Equity CapitalQ2 2018vs Q2 2017$2.5MM$2.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$211.00K$158.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$87.00K$101.00K
Real Estate OwnedQ2 2018vs Q2 2017$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%-$1.4k52 Week Club
0.40%$1k-IRA Share
0.40%--Desert Kids
0.10%$1k-Regular Shares

Desert Valleys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

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

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