Desert Communities


P.o. Box 918
Needles, CA 92363
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Desert Communities is an NCUA insured institution located in Needles, CA. It was founded in 1954 and has approximately $30.59 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9821
Date Established 1954
Assets $30.59 million
Loans $17.95 million
Deposits $28.61 million
Capital $1.58 million

Field of Membership Restrictions

Membership is open to those who live or work in Kingman, Fort Mohave, Bullhead City, Lake Havasu City, Golden Valley, and Mohave Valley in Arizona and Laughlin, Nevada.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Desert Communities

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Desert Communities
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Advertiser Disclosure

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for DESERT COMMUNITIES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Desert Communities branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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San Diego,California

Desert Communities Locations

Financial Details

Desert Communities Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Desert Communities. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Desert Communities U.S. Average
6.43% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Desert Communities had $115,467 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,582,223 in net worth and $214,521 in loans loss reserves. That gives it a Texas Ratio of 6.43%.

Net Worth
Desert Communities U.S. Average
5.17% 12.67%

Desert Communities FCU has a net worth of 5.17% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Desert Communities

Branches and Savings

What is Desert Communities?

A federal credit union, registered with the NCUA under certificate #9821.
Learn more about credit unions here.

Is Desert Communities FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Desert Communities is insured by the NCUA.

Who can join Desert Communities?

Please see Field of Membership information above for information on who is eligible to join.

What are Desert Communities's share account and share certificate rates?

Desert Communities's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Desert Communities?

Desert Communities has total capital of $1.58 million. Full information on Desert Communities's financial position is located above.

Who owns Desert Communities?

Credit Unions are owned by their members.

Where are Desert Communities branches located?

See branch locations nearby.

Are Desert Communities ATMs Open 24/7?

Do Desert Communities ATMs accept cash deposits?

Can Desert Communities customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Desert Communities have a mobile app?

Does Desert Communities have mobile deposit?

Does Desert Communities have quick pay?

How can Desert Communities transfer money to other banks or credit unions?

Does Desert Communities report to credit bureaus?

Does Desert Communities use Chexsystems?

Does Desert Communities use Equifax?

What is Desert Communities's toll free phone number?

What is Desert Communities's ACH Routing Number?

What is Desert Communities's SWIFT code?

Where can I find Desert Communities's wire transfer form?

What is the Desert Communities address for deposits?

What Products Does Desert Communities Offer

Does Desert Communities offer mortgages?

Compare mortgage rates here.

Does Desert Communities offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Desert Communities offer auto and RV loans?

Compare auto loan rates here.

Does Desert Communities offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Desert Communities

  • February 13, 2018

    You say you are insured, but no mention on how much the customer is insured. I asked the people at the Fort Mohave branch and they had no idea.

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