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Desert Rivers Federal Credit Union

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Desert Rivers Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Desert Rivers Federal Credit Union?

Current rates for Desert Rivers Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 4.29%, 60-Month CD: 4.05%, Savings: 3.25%

Q: What CD terms does Desert Rivers Federal Credit Union offer?

Desert Rivers Federal Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.50% APY for a 2 year CD, 4.20% APY for a 3 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Desert Rivers Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Desert Rivers Federal Credit Union's 2 year CD rates are at 4.50%, 5 year CD rates are at 4.50%, 3 year CD rates are at 4.20%, 1 year CD rates are at 4.00%, 6 month CD rates are at 4.00%. Desert Rivers Federal Credit Union's savings rates are at 3.25%. Desert Rivers Federal Credit Union's checking rates are as high as 3.00%. Desert Rivers Federal Credit Union's Personal Loan Rates are as low as 12.74%. Desert Rivers Federal Credit Union's Credit Card Rates are at 9.49%. Desert Rivers Federal Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Desert Rivers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.74%. Rates last updated and verified on 10/29/2026.

Desert Rivers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Desert Rivers Federal Credit Union? Share your experience about Desert Rivers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Desert Rivers Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.74%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Desert Rivers Federal Credit Union
Corporate Office

725 N Main St
Moab, UT 84532-2132

https://www.desertriverscu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Desert Rivers Federal Credit Union CD Rates

Product	Rate	APY	Term
2 year CD	4.426%	4.50%	2 year
Min Balance $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Oct 9, 20264.50%▲ from 4.25% Sep 29, 20264.25%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
5 year CD	4.426%	4.50%	5 year
Min Balance $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.05% → 4.50% ▲ 0.45 pts · high 4.50% / low 4.05% Oct 9, 20264.50%▲ from 4.30% Sep 29, 20264.30%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
2 year IRA CD	-	4.29%	2 year
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
3 year CD	4.135%	4.20%	3 year
Min Balance $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 9, 20264.20%▲ from 4.15% Sep 29, 20264.15%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
5 year IRA CD	3.99%	4.05%	5 year
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
1 year CD	3.941%	4.00%	1 year
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
1 year IRA CD	3.941%	4.00%	1 year
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
3 year IRA CD	3.941%	4.00%	3 year
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
6 month CD	3.941%	4.00%	6 month
Min Balance $500 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20264.00%▲ from 3.85% Sep 29, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
6 mos IRA CD	3.698%	3.75%	6 months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
3 month Super CD	3.601%	3.65%	3 month
Min Balance $500 Details Deposit money to the balance at any time Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
1 month Super CD	3.542%	3.60%	1 month
Min Balance $500 Details Deposit money to the balance at any time Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 9, 20263.60%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
9 month CD	0.995%	1.00%	9 month
Min Balance $500 Details Discontinued term; renewed at 1.5% APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
9 month IRA CD	0.995%	1.00%	9 month
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Savings Rates

Product	Rate	APY
Premier Savings	3.203%	3.25%
Min Balance $750,000 Details Balance: $750,000 and up Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Premier Savings	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000-$749,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Premier Savings	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000-$249,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
IRA Savings	0.995%	1.00%
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Savings/Shares	0.05%	0.05%
Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Checking Rates

Product	Rate	APY
Premier Checking	2.96%	3.00%
Min Balance $0 Details Interest is paid monthly on the average daily balance; interest is paid on balances up to $5000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Premier Checking	2.96%	3.00%
Min Balance $1 Details Qualifications Required; Balance: $1 - $5000; Interest paid monthly on average daily balance; Interest paid on balances up to $5000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Value Checking	0.00%	0.00%
Min Balance $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Premier Checking	-	1.50%
Min Balance $50,000 Details Earn 1.5% APY on the entire checking account balance; Requires checking balance to remain above $50,000; E-Statements required; Interest earned on average daily balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans 3-7 Years Old	-	-	5.49%	3-7 years
Details Credit Grade: A+ >740; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	5.49%	0-2 years
Details Credit Tier: A+ >740; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	5.74%	60 months
Details Credit Grade: A+ >740; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	5.74%	72 months
Details Credit Tier: A+ >740; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	5.84%	3-7 years
Details Credit Grade: A 690-739; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	5.84%	0-2 years
Details Credit Tier: A 690-739; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	5.99%	72 months
Details Credit Grade: A+ >740; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.09%	3-7 years
Details Credit Grade: B 660-689; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.09%	60 months
Details Credit Grade: A 690-739; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	6.09%	0-2 years
Details Credit Tier: B 660-689; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	6.09%	72 months
Details Credit Tier: A 690-739; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.34% → 6.09% ▼ 0.25 pts · high 6.34% / low 6.09% Sep 18, 20266.09%▼ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.34%	60 months
Details Credit Grade: B 660-689; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.34%	72 months
Details Credit Grade: A 690-739; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	6.34%	72 months
Details Credit Tier: B 660-689; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	6.49%	84 months
Details Credit Tier: A+ >740; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.59%	72 months
Details Credit Grade: B 660-689; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	6.74%	84 months
Details Credit Grade: A+ >740; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	6.84%	84 months
Details Credit Tier: A 690-739; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	7.09%	84 months
Details Credit Grade: A 690-739; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	7.09%	84 months
Details Credit Tier: B 660-689; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	7.34%	84 months
Details Credit Grade: B 660-689; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	7.49%	24 - 36 months
Details Credit Grade: A+ >740; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	7.49%	96 months
Details Credit Tier: A+ >740; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.49% ▼ 1.00 pts · high 8.49% / low 7.49% Sep 18, 20267.49%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	7.74%	48 months
Details Credit Grade: A+ >740; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	7.99%	24 - 36 months
Details Credit Grade: A 690-739; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	7.99%	60 months
Details Credit Grade: A+ >740; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	7.99%	96 months
Details Credit Tier: A 690-739; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 7.99% ▼ 0.50 pts · high 8.49% / low 7.99% Sep 18, 20267.99%▼ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	8.24%	48 months
Details Credit Grade: A 690-739; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old - 120 Month Term Limited Time Special	-	-	8.24%	120 months
Details Credit Tier: B 660-689; Limited Time Special; Rates are APR and best rates, your rate may be higher based on credit; Membership required-based on eligibility Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	8.49%	60 months
Details Credit Grade: A 690-739; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	8.49%	72 months
Details Credit Grade: A+ >740; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	8.49%	96 months
Details Credit Tier: B 660-689; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	8.99%	72 months
Details Credit Grade: A 690-739; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	9.74%	24 - 36 months
Details Credit Grade: B 660-689; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	9.99%	48 months
Details Credit Grade: B 660-689; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	10.24%	60 months
Details Credit Grade: B 660-689; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	10.74%	72 months
Details Credit Grade: B 660-689; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	11.49%	3-7 years
Details Credit Grade: C 620-659; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	11.49%	0-2 years
Details Credit Tier: C 620-659; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	11.74%	60 months
Details Credit Grade: C 620-659; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	11.74%	72 months
Details Credit Tier: C 620-659; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	11.99%	72 months
Details Credit Grade: C 620-659; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	12.49%	84 months
Details Credit Tier: C 620-659; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	12.99%	84 months
Details Credit Grade: C 620-659; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	13.74%	96 months
Details Credit Tier: C 620-659; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 13.74% ▲ 5.25 pts · high 13.74% / low 8.49% Sep 18, 202613.74%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	14.49%	24 - 36 months
Details Credit Grade: C 620-659; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	14.99%	48 months
Details Credit Grade: C 620-659; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	15.49%	60 months
Details Credit Grade: C 620-659; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 15.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	16.24%	72 months
Details Credit Grade: C 620-659; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 16.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	18.00%	3-7 years
Details Credit Grade: D 600-619; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	18.00%	60 months
Details Credit Grade: D 600-619; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 3-7 Years Old	-	-	18.00%	72 months
Details Credit Grade: D 600-619; Vehicle Age: 3-7 years; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	18.00%	24 - 36 months
Details Credit Grade: D 600-619; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	18.00%	48 months
Details Credit Grade: D 600-619; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	18.00%	60 months
Details Credit Grade: D 600-619; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Auto Loans 8+ Years Old	-	-	18.00%	72 months
Details Credit Grade: D 600-619; Rates are APR Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	18.00%	0-2 years
Details Credit Tier: D 600-619; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	18.00%	72 months
Details Credit Tier: D 600-619; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.74% → 18.00% ▲ 6.26 pts · high 18.00% / low 11.74% Sep 18, 202618.00%▲ from 11.74% Sep 14, 202611.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	18.00%	84 months
Details Credit Tier: D 600-619; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 18.00% ▲ 5.51 pts · high 18.00% / low 12.49% Sep 18, 202618.00%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
New Auto Loans - 0-2 Years Old	-	-	18.00%	96 months
Details Credit Tier: D 600-619; Rates are APR and best rates, your rate may be higher based on credit Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 18.00% ▲ 9.51 pts · high 18.00% / low 8.49% Sep 18, 202618.00%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Loan	-	7.75%	24 - 60 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.10%	24 - 60 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.10% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.24%	72 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.49%	84 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.50%	24 - 60 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.59%	72 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.59% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.74%	96 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.84%	84 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.99%	72 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	8.99%	120 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	9.09%	96 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.09% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	9.24%	84 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	9.34%	120 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	9.74%	96 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	10.24%	120 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	13.50%	24 - 60 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	13.99%	72 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	14.24%	84 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	14.49%	96 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	15.24%	120 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 15.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	18.00%	24 - 60 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	18.00%	72 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	18.00%	84 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	18.00%	96 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
RV Loan	-	18.00%	120 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA	-	9.49%
Details As Low As; As high as 18.00% depending on credit Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
VISA Platinum with Rewards	-	9.49%
Details As Low As; No Annual Fee; 25 day grace period; ScoreCard Rewards can be used for Travel or Merchandise Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature/Lifestyle Loans	12.74%	12-36 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 12.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	12.99%	48 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	13.24%	60 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 13.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	16.24%	12-36 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	16.49%	48 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	16.74%	60 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	16.99%	12-36 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	17.24%	48 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 17.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	17.49%	60 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 17.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	18.00%	12-36 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	18.00%	48 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Signature/Lifestyle Loans	18.00%	60 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Desert Rivers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Manufactured Homes Loan	-	-	8.49%	24 - 60 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	8.99%	24 - 60 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	9.99%	24 - 60 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	12.74%	24 - 60 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 12.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	18.00%	24 - 60 months
Details Credit Grade: D 600-619 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	8.74%	72 months
Details Credit Grade: A+ >740 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	9.24%	72 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	10.24%	72 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	12.99%	72 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	9.49%	120 months
Details Credit Grade: A 690-739 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	10.49%	120 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	13.24%	120 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 13.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	10.99%	144 months
Details Credit Grade: B 660-689 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Manufactured Homes Loan	-	-	13.74%	144 months
Details Credit Grade: C 620-659 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 13.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%
Premier Checking	-	-	3.00%
Min Balance $0 Details Qualifications Required: 1000 per month direct deposit or 2000 total deposits for the month; 15 VISA debit and/or credit card transactions per month; e-statements enrollment; VISA Credit Card; Balance: $0.00 - $5,000.00; Earn 3% APY on balances up to $5000; Interest paid monthly on average daily balance; Requires direct deposit(s) of at least $1000 per month or $2000 in total deposits, 15 VISA debit and/or credit card transactions per month, e-statements, and a VISA Credit Card; No minimum balance required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Desert Rivers Federal Credit Union’s Texas Ratio rose from 10.16% in Q3 2023 to 11.74% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$117M	11.74%	5.0	A
March 31, 2026	$113M	12.64%	5.0	A
December 31, 2025	$117M	13.08%	5.0	A
September 30, 2025	$115M	8.74%	5.0	A
June 30, 2025	$112M	6.73%	5.0	A
March 31, 2025	$111M	6.19%	5.0	A
December 31, 2024	$112M	7.07%	5.0	A
September 30, 2024	$112M	6.18%	5.0	A
June 30, 2024	$105M	7.83%	5.0	A
March 31, 2024	$99M	8.62%	5.0	A
December 31, 2023	$97M	4.80%	5.0	A+
September 30, 2023	$99M	10.16%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Desert Rivers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Desert Rivers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Desert Rivers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Desert Rivers Federal Credit Union

Website https://www.desertriverscu.com

Address 725 N Main St, Moab, UT 84532-2132

Phone 435-259-6124

Fax 435-259-6123

President Randy Martin

CEO Sam Crane

Full-Time Employees 29

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.74%

Return on Assets (ROA)

0.2547%

Return on Equity (ROE)

3.0164%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

116,692,946

Total Amount of Shares and Deposits

106,407,635

Total Shares and Deposits < 1 Year

81,234,078

Total Shares and Deposits 1 3 Years

23,423,850

Total Shares and Deposits > 3 Years

1,749,706

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,239,023

Total Uninsured Shares and Deposits > $250K (F+J)

2,239,023

Total Insured Shares and Deposits > $250K (item 17 less item K)

104,168,612

Total Interest Expense (Sum of items 6 8)

1,184,480

Share Certificates

1,222

Number of Accounts for Share Drafts

5,605

IRA KEOGH Accounts

112

Number of Accounts for Regular Shares

8,708

Non Member Deposits

Money Market Shares

303

Net Income (unless the amount is already included in Undivided Earnings)

297,013

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,723,841

Total Liabilities

108,099,587

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Desert Rivers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Desert Rivers Federal Credit Union

Does Desert Rivers Federal Credit Union offer CDs?

Yes. Desert Rivers Federal Credit Union current CD rates include its 2 year CD at 4.50% APY, its 5 year CD at 4.50% APY and its 3 year CD at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Desert Rivers Federal Credit Union NCUA insured?

Yes. Desert Rivers Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Desert Rivers Federal Credit Union?

The highest Desert Rivers Federal Credit Union CD rate is its 2 year CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Desert Rivers Federal Credit Union offer?

Desert Rivers Federal Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.50% APY for a 2 year CD, 4.20% APY for a 3 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Desert Rivers Federal Credit Union for its full lineup.

What is the highest savings rate at Desert Rivers Federal Credit Union?

The highest Desert Rivers Federal Credit Union savings rate is its Premier Savings at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Desert Rivers Federal Credit Union?

The highest Desert Rivers Federal Credit Union checking rate is its Premier Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Desert Rivers Federal Credit Union?

The lowest Desert Rivers Federal Credit Union auto loan rate is its Auto Loans 3-7 Years Old at 5.49% APR, verified by MonitorBankRates as of October 29, 2026. Desert Rivers Federal Credit Union auto loan rates are 5.49% APR for a 24 month auto loan, 5.49% APR for an 84 month auto loan and 8.24% APR for a 120 month auto loan.

What is the lowest personal loan rate at Desert Rivers Federal Credit Union?

The lowest Desert Rivers Federal Credit Union personal loan rate is its Signature/Lifestyle Loans at 12.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Desert Rivers Federal Credit Union?

The lowest Desert Rivers Federal Credit Union credit card APR is its VISA Credit Card at 9.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Desert Rivers Federal Credit Union operate?

Desert Rivers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Desert Rivers Federal Credit Union?

Yes, to access services at Desert Rivers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Desert Rivers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Desert Rivers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Desert Rivers Federal Credit Union offer online and mobile banking?

Most modern institutions like Desert Rivers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.desertriverscu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Desert Rivers Federal Credit Union rates compare?

Desert Rivers Federal Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A health rating. Desert Rivers Federal Credit Union's top rates are its 2 year CD at 4.50% APY, its Premier Savings at 3.25% APY, its Premier Checking at 3.00% APY, its Signature/Lifestyle Loans at 12.74% APR and its VISA Credit Card at 9.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Desert Rivers Federal Credit Union Rates

12-Month CD4.00%
24-Month CD4.29%
60-Month CD4.05%
Savings3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Desert Rivers Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Desert Rivers Federal Credit Union Texas Ratio

Desert Rivers Federal Credit Union Health Trend

Desert Rivers Federal Credit Union CD Rates

Desert Rivers Federal Credit Union Savings Rates

Desert Rivers Federal Credit Union Checking Rates

Desert Rivers Federal Credit Union Business Checking Rates

Desert Rivers Federal Credit Union Auto Loan Rates

Desert Rivers Federal Credit Union RV, Boat and Powersport Loan Rates

Desert Rivers Federal Credit Union Credit Card Rates

Desert Rivers Federal Credit Union Personal Loan Rates

Desert Rivers Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Desert Rivers Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Desert Rivers Federal Credit Union

Does Desert Rivers Federal Credit Union offer CDs?

Are CDs from Desert Rivers Federal Credit Union NCUA insured?

What is the highest CD rate at Desert Rivers Federal Credit Union?

What CD terms does Desert Rivers Federal Credit Union offer?

What is the highest savings rate at Desert Rivers Federal Credit Union?

What is the highest checking rate at Desert Rivers Federal Credit Union?

What is the lowest auto loan rate at Desert Rivers Federal Credit Union?

What is the lowest personal loan rate at Desert Rivers Federal Credit Union?

What is the lowest credit card APR at Desert Rivers Federal Credit Union?

How many branches does Desert Rivers Federal Credit Union operate?

Is a member application needed to join Desert Rivers Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Desert Rivers Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Desert Rivers Federal Credit Union rates compare?

Current Desert Rivers Federal Credit Union Rates

Compare to Other Credit Unions