Desert Communities Federal Credit Union
Headquarters
P.o. Box 918
Needles, CA 92363
See all branch locations →
2024 Overview
General Credit Union Information
Desert Communities is an NCUA insured institution located in Needles, CA. It was founded in 1954 and has approximately $30.59 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9821 |
| Date Established | 1954 |
| Assets | $30.59 million |
| Loans | $17.95 million |
| Deposits | $28.61 million |
| Capital | $1.58 million |
Field of Membership Restrictions
Membership is open to those who live or work in Kingman, Fort Mohave, Bullhead City, Lake Havasu City, Golden Valley, and Mohave Valley in Arizona and Laughlin, Nevada.
Deposit Rates - November 25, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Desert Communities
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
Back to Desert Communities
Note to Desert Communities
To upload and update your credit union's rates please register.
It is free to register and add rates.
Loan Rates - November 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Desert Communities
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.356% | 6.250% | 0.63 | $3,600 | $1,971 | Learn More |
NMLS ID: 66247 |
6.452% | 6.375% | 0.75 | $2,586 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.710% | 6.625% | 0.63 | $2,818 | $2,049 | Learn More |
NMLS ID: 401822 |
7.034% | 6.875% | 1.00 | $5,195 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Desert Communities
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Desert Communities branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Desert Communities Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1712.22 | A | View Lobby Hours |
Climate Policy and Initiatives
DESERT COMMUNITIES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Add Your Review
or use your BestCashCow account
or
Financial Details
Desert Communities Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Desert Communities. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Desert Communities | U.S. Average |
|---|---|
| 6.43% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Desert Communities had $115,467 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,582,223 in net worth and $214,521 in loans loss reserves. That gives it a Texas Ratio of 6.43%.
Net Worth
| Desert Communities | U.S. Average |
|---|---|
| 5.17% | 13.93% |
Desert Communities FCU has a net worth of 5.17% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Desert Communities
Joe Hesse
February 13, 2018
You say you are insured, but no mention on how much the customer is insured. I asked the people at the Fort Mohave branch and they had no idea.
Is this review helpful? Yes:0 / No: 0
Add Your Review
or use your BestCashCow account