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 Desert Valleys Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Desert Valleys Federal Credit Union's 60 Month Jumbo CD rates are at 2.75%, 36 Month Commercial Account Regular CD rates are at 2.50%, 48 Month Jumbo CD rates are at 2.50%, 36 Month Regular CD rates are at 2.50%, 36 Month Traditional IRA CD Roth IRA CD rates are at 2.50%. Desert Valleys Federal Credit Union's savings rates are at 0.15%. Desert Valleys Federal Credit Union's money market rates are at 2.00%. MonitorBankRates evaluates the financial stability of Desert Valleys Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.50%. Rates were last updated on 04/18/2026. Desert Valleys 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 Valleys Federal Credit Union? Share your experience about Desert Valleys Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Desert Valleys Federal Credit Union. Desert Valleys Federal Credit Union
Credit Union 100 E Ward Ave
https://www.desertvalleys.org Ridgecrest, CA 93555 2668 
Desert Valleys Federal Credit Union CD Rates
Desert Valleys Federal Credit Union Savings Rates
Desert Valleys Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Desert Valleys 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 Valleys 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 Valleys Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Desert Valleys Federal Credit Union
Website
https://www.desertvalleys.org
Address
100 E Ward Ave,
Ridgecrest, CA 93555 2668
Phone
760-446-3500
Fax
760-446-6904
President
Marshall Holloway
CEO
Eric Bruen
Full-Time Employees
19
Part-Time Employees
0
Branch Locations
2
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.50%
Return on Assets (ROA)
0.7646%
Return on Equity (ROE)
8.6803%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
88,904,014
Total Amount of Shares and Deposits
79,851,971
Total Shares and Deposits < 1 Year
77,096,900
Total Shares and Deposits 1 3 Years
2,256,946
Total Shares and Deposits > 3 Years
498,125
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,726,220
Total Uninsured Shares and Deposits > $250K (F+J)
15,726,220
Total Insured Shares and Deposits > $250K (item 17 less item K)
64,125,751
Total Interest Expense (Sum of items 6 8)
488,763
Share Certificates
363
Number of Accounts for Share Drafts
5,464
IRA KEOGH Accounts
68
Number of Accounts for Regular Shares
8,025
All other shares
673
Money Market Shares
180
Net Income (unless the amount is already included in Undivided Earnings)
679,719
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,493,045
Total Liabilities
81,073,415
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Desert Valleys Federal Credit UnionIs Desert Valleys Federal Credit Union a safe place to deposit money?Yes, Desert Valleys Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.501098447258%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Desert Valleys Federal Credit Union operate?Desert Valleys 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 Valleys Federal Credit Union?Yes, to access services at Desert Valleys 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 Valleys 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 Valleys Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Desert Valleys Federal Credit Union offer online and mobile banking?Most modern institutions like Desert Valleys 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.desertvalleys.org. Current Desert Valleys Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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