Desert Communities Federal Credit Union

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A short history of Desert Communities FCU

Since its inception in 1954 the Desert Communities Federal Credit Union has been serving its members in the NEEDLES, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Penny Rodriguez, the Desert Communities FCU has grown its membership to over 2,592 with assets of more than $28,767,026. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (760) 326-2942 or email them at dcfcu@citlink.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in NEEDLES, CA.

General Information For Desert Communities FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9821
Address P.O. BOX 918 
City NEEDLES 
State California 
Zip-Code 92363
Phone Number (760) 326-2942
Fax Number (760) 326-5671
Email Address: dcfcu@citlink.net
CEO/President Penny Rodriguez
Members 2,592 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 28,767,026 
Website http://www.desertcommunitiesfcu.org 

Compare Desert Communities Federal Credit Union To Other Local Credit Unions


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Desert Communities Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Desert Communities Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.40 3.85 5.14 4.00 5.79
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 431 257 343 138 321
Rank Among All California Credit Unions 98 102 126 52 103

Desert Communities Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.15 0.54 0.54
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 124 255 222
Rank Among All California Credit Unions N/A 45 40 71 54
Desert Communities Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.400312745,285
All Other Unsecured Loans/Lines of Credit 15.3102171,178,085
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.850851,942,513
Used Vehicle Loans 5.1401201,992,732
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00081,256,513
Total Other Real Estate Loans/Lines of Credit 5.79021845,786
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.60035530,798
TOTAL LOANS & LEASES 7988,491,712

Desert Communities Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7918,5191132,800
    b. 15 Years or less 1337,99400
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 21845,7862208,000
TOTALS 292,102,2993340,800

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Desert Communities Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes