Desert Valleys


Po Box 367
Ridgecrest, CA 93556
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.45% 0.67% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.20% 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 Valleys is an NCUA insured institution located in Ridgecrest, CA. It was founded in 1946 and has approximately $50.37 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 5366
Date Established 1946
Assets $50.37 million
Loans $28.30 million
Deposits $45.88 million
Capital $3.50 million

Field of Membership Restrictions

Membership is open to the Trona, California City, Boron, Ridgecrest, Bishop and Lake Isabella communities.

Deposit Rates - April 16, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More

Loan Rates - April 16, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for DESERT VALLEYS

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Desert Valleys 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 Valleys Locations

Financial Details

Desert Valleys Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Desert Valleys. 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 Valleys U.S. Average
3.88% 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 Valleys had $150,864 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,500,724 in net worth and $382,918 in loans loss reserves. That gives it a Texas Ratio of 3.88%.

Net Worth
Desert Valleys U.S. Average
7.11% 12.67%

Desert Valleys FCU has a net worth of 7.11% 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 Valleys

Branches and Savings

What is Desert Valleys?

A federal credit union, registered with the NCUA under certificate #5366.
Learn more about credit unions here.

Is Desert Valleys 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 Valleys is insured by the NCUA.

Who can join Desert Valleys?

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

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

Desert Valleys'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 Valleys?

Desert Valleys has total capital of $3.50 million. Full information on Desert Valleys's financial position is located above.

Who owns Desert Valleys?

Credit Unions are owned by their members.

Where are Desert Valleys branches located?

See branch locations nearby.

Are Desert Valleys ATMs Open 24/7?

Do Desert Valleys ATMs accept cash deposits?

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

Does Desert Valleys have a mobile app?

Does Desert Valleys have mobile deposit?

Does Desert Valleys have quick pay?

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

Does Desert Valleys report to credit bureaus?

Does Desert Valleys use Chexsystems?

Does Desert Valleys use Equifax?

What is Desert Valleys's toll free phone number?

What is Desert Valleys's ACH Routing Number?

What is Desert Valleys's SWIFT code?

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

What is the Desert Valleys address for deposits?

What Products Does Desert Valleys Offer

Does Desert Valleys offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Desert Valleys offer auto and RV loans?

Compare auto loan rates here.

Does Desert Valleys offer student loans or personal loans?

Compare personal loan rates here.

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