Desert Valleys Federal Credit Union

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A short history of Desert Valleys FCU

Since its inception in 1946 the Desert Valleys Federal Credit Union has been serving its members in the RIDGECREST, 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 Eric Bruen, the Desert Valleys FCU has grown its membership to over 4,123 with assets of more than $34,471,090. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (760) 446-3500 or email them at desertvalleys@iwvisp.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in RIDGECREST, CA.

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

Charter Number 5366
Address PO BOX 367 
City RIDGECREST 
State California 
Zip-Code 93556
Phone Number (760) 446-3500
Fax Number (760) 446-6904
Email Address: desertvalleys@iwvisp.com
CEO/President Eric Bruen
Members 4,123 
Full-Time Employees 13 
Part-Time Employees
Number of Branch Offices
Total Assets 34,471,090 
Website http://www.desertvalleys.org 

Compare Desert Valleys Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Altaone CU Corporate 701 S China Lake Blvd 93556 (760) 371-7000 No 2.85

Desert Valleys Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Desert Valleys 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 11.18 4.90 7.17 4.24 5.06
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 356 387 558 173 236
Rank Among All California Credit Unions 79 129 167 75 75

Desert Valleys 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 0.10 0.71 0.40
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 143 134 222 243
Rank Among All California Credit Unions N/A 45 46 59 62
Desert Valleys Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.1806151,148,765
All Other Unsecured Loans/Lines of Credit 10.5804491,972,598
Short-Term, Small Amount Loans (STS) (Federal CU Only) 27.97013243,502
Non-Federally Guaranteed Student Loans 6.5301,0651,060,970
New Vehicle Loans 4.9001563,430,389
Used Vehicle Loans 7.1705657,161,861
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.240132,856,895
Total Other Real Estate Loans/Lines of Credit 5.0609269,633
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.1901491,691,878
TOTAL LOANS & LEASES 3,15319,636,491

Desert Valleys 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 92,458,21331,148,213
    b. 15 Years or less 4398,682156,000
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 9269,63300
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 223,126,52841,204,213

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 Valleys Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
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 Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes