Desert Valleys
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1946
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Ridgecrest, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1946
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Ridgecrest and serves members in the CA area. Currently serving 5,976 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.01%Used Auto Loan
8.72%Personal Loan
10.23%Credit Card APR
11.38%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in CA
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
Burbank, CA
Valencia, CA
Santa Rosa, CA
Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(2 total)
Member Reviews
4.9
329 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Janice Kern
4 months ago
Every time I go to the credit union everyone is extremely friendly and helpful. I cannot say enough how I have enjoyed banking with Desert Valleys Federal Credit Union.
Rick S.
3 months ago
Most appreciate the level of customer service ... it is a great team working here ... I would not want to bank anywhere else .. Thanks so much to all of you !
Manuel Farmer
5 months ago
My bank is great and watching over your account every day and one the only banks that you can go get a new card if need be that very same day
Wes Robbins
4 months ago
At Fairgrounds to county Fair needed a few more dollars,thanks for your mobile atm. Great location for your new bank location line and mail street for all great stores every corner.
Misty Wood
9 months ago
Desert Valleys FCU really is the best bank. I wouldn't go anywhere else for my banking needs. The staff is excellent and so friendly. They really take the stress out of applying for a loan too!
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(760) 446-3500Website
Visit WebsiteMembers
5,976
Total Assets
$89.2M
Year Opened
1946
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile