1104 W Finch DR
Nampa, ID 83651
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.60% →
1-Year CD N.A. 1.55% →
2-Year CD N.A. 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Desert Sage is an NCUA insured institution located in Nampa, ID. It was founded in 1953 and has approximately $1.37 millions in assets.

NCUA Insured Yes
Charter Number # # 8493
Date Established 1953
Assets $1.37 million
Loans $0.92 million
Deposits $1.16 million
Capital $0.20 million

Deposit Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Desert Sage

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Loan Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for DESERT SAGE

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Below are Desert Sage 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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Desert Sage Locations

Financial Details

Desert Sage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Desert Sage. 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 Sage U.S. Average
7.23% 5.92

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 September 30, 2019, Desert Sage had $7,396 in non-current loans and $8,415 in owned assets. To cover these potential losses it had $195,185 in net worth and $23,523 in loans loss reserves. That gives it a Texas Ratio of 7.23%.

Net Worth
Desert Sage U.S. Average
14.21% 13.86%

Desert Sage FCU has a net worth of 14.21% versus the BestCashCow average of 13.86. 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 Sage

Branches and Savings

What is Desert Sage?

A federal credit union, registered with the NCUA under certificate #8493.
Learn more about credit unions here.

Is Desert Sage FDIC insured?

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

Who can join Desert Sage?

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

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

Desert Sage'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 Sage?

Desert Sage has total capital of $0.20 million. Full information on Desert Sage's financial position is located above.

Who owns Desert Sage?

Credit Unions are owned by their members.

Where are Desert Sage branches located?

See branch locations nearby.

Are Desert Sage ATMs Open 24/7?

Do Desert Sage ATMs accept cash deposits?

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

Does Desert Sage have a mobile app?

Does Desert Sage have mobile deposit?

Does Desert Sage have quick pay?

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

Does Desert Sage report to credit bureaus?

Does Desert Sage use Chexsystems?

Does Desert Sage use Equifax?

What is Desert Sage's toll free phone number?

What is Desert Sage's ACH Routing Number?

What is Desert Sage's SWIFT code?

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

What is the Desert Sage address for deposits?

What Products Does Desert Sage Offer

Does Desert Sage offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Desert Sage offer auto and RV loans?

Compare auto loan rates here.

Does Desert Sage offer student loans or personal loans?

Compare personal loan rates here.

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