Desert Valleys Credit Union Ridgecrest CA | Affordable Auto Loans & ATM Services

Introduction

Welcome to Desert Valleys Credit Union, your trusted partner in financial success since 1946. Located at 100 E Ward Ave, Ridgecrest, CA 93555, we are proud to serve our growing community with a commitment to excellence and member satisfaction. With over 5,900 members, our credit union is dedicated to providing personalized banking solutions that empower you to achieve your financial goals. At Desert Valleys, we understand the importance of having a reliable financial institution by your side. That's why we've grown our total assets to an impressive $83,300,854 and maintain strong financial health with a net worth of $7,198,136. Our robust offerings include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions tailored for entrepreneurs. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 367, Ridgecrest, CA 93556. We also have convenient operating hours Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM to ensure that we're here when you need us. Led by our CEO, Eric Bruen, and Board President Marshall Holloway, our team of 18 dedicated employees works hard every day to provide exceptional service. Whether you're looking for straightforward advice or specific financial products, we aim to make every interaction meaningful. Join us on this journey towards financial empowerment. Visit our website at www.desertvalleys.org or call us at 760-446-3500 today! Let's build a brighter financial future together!

Branch History & Mission

Community Commitment

At Desert Valleys, we believe in giving back. Our partnerships with local organizations enhance our outreach efforts and allow us to contribute positively to the communities we serve. Whether it's sponsoring local events or supporting educational initiatives, we aim to make a lasting impact on the lives of those around us. While members can visit us at 100 E Ward Ave, official correspondence should be sent to PO Box 367, Ridgecrest, CA 93556. We are proud to offer convenient services such as an ATM and drive-thru banking for quick transactions. Our lobby hours are designed with you in mind open Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM.

Join Us Today

As we continue our journey into the future, we invite you to become part of the Desert Valleys family. Experience firsthand the difference of being a member-focused credit union where your financial well-being is our priority. For more information about joining or accessing our services, please call us at 760-446-3500 or visit our website. Together, let's build a brighter financial future!

Our Story

From humble beginnings, Desert Valleys has witnessed significant milestones that reflect our dedication to our members and the community. With total assets amounting to $83,300,854, we have evolved into a trusted financial partner for individuals and families alike. Our mission is simple yet profound: we aim to empower our members through personalized banking solutions while fostering a supportive environment that strengthens our community ties. As part of our mission, we strive to offer a comprehensive range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. We also embrace technology by providing online and mobile banking features for easy access to your finances. Our efforts ensure that every member feels valued and supported throughout their financial journey.

Branch Location & Accessibility

Accessibility Features

Desert Valleys prioritizes accessibility for all members. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services without hassle. Whether you're coming in for a quick deposit or to discuss your financial goals with one of our friendly staff members, we've got you covered.

Additional Services

For added convenience, we offer an ATM on-site for quick cash withdrawals and balance checks. If you're in a hurry, take advantage of our drive-thru banking service for deposits and simple transactions without needing to leave your vehicle. At Desert Valleys Credit Union, we're committed to making your banking experience as pleasant as possible. So why wait? Visit us today or give us a call at 760-446-3500! We look forward to welcoming you into our community.

Operating Hours

We're here to serve you during the week from Monday through Friday, with lobby hours from 10 AM to 6 PM. Need assistance on the weekend? No problem! We're also open on Saturdays from 10 AM to 2 PM. Feel free to stop by during these hours; our team is eager to help you with personal banking services like checking and savings accounts, auto loans, mortgage options, and more.

Member Eligibility

Becoming a member of Desert Valleys is like joining a warm and welcoming family that genuinely cares about your financial well-being. If you live, work, or worship in the Ridgecrest area, you're already on your way to enjoying the perks of membership! We believe everyone deserves access to personalized financial services, which is why we keep our eligibility criteria straightforward and inclusive. Whether you're looking for a checking account, an auto loan, or simply want to start saving for the future, our dedicated team is here to support you every step of the way. Opening an account is hassle-free! Just visit us at our branch located at 100 E Ward Ave Ridgecrest Ca 93555, or give us a call at (760) 446-3500 for more information. For those curious about specific eligibility requirements, feel free to check out our detailed criteria online at . We can't wait to welcome you into the Desert Valleys community, where your financial dreams can flourish!

Business Banking & Commercial Services

Loan Options to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $21 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $6,276,371, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Designed for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine easily accepting payments from customers on-the-go or online, all while enjoying low transaction fees. Our merchant services are designed to make your daily operations smoother and more efficient. Located at 100 E Ward Ave Ridgecrest Ca 93555 in Ridgecrest, CA, we invite you to explore how our business banking and commercial services can empower your success. Reach out to us at (760) 446-3500 or visit our website for more information!

Comprehensive List Of Services

Business Banking

At Desert Valleys, we don't just cater to individual members; we also support local businesses! Our business banking services include merchant services and business loans designed to help entrepreneurs grow their ventures. We're here to empower local businesses with the financial tools they need.

Convenient Access

We know how important convenience is in today's fast-paced world. That's why we provide ATM services for quick cash withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. With our digital features like mobile payments and person-to-person transfers, managing your finances has never been easier.

Financial Support When You Need It

Sometimes life throws unexpected challenges your way. That's where our personal loans and debt consolidation options come into play. These services can help relieve financial stress by allowing you to consolidate multiple debts into one manageable payment. For those who love rewards, our credit cards offer exciting benefits that fit your lifestyle. Whether it's cash back on everyday purchases or travel rewards for your adventures, we have options that will keep you smiling.

Get Started Today!

Ready to take the next step in achieving your financial goals? Visit us at 100 E Ward Ave Ridgecrest Ca 93555 in Ridgecrest, CA, or give us a call at (760) 446-3500. Our team at Desert Valleys is eager to assist you with all your financial needs! Don't wait any longer; let's work together toward a brighter financial future!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts tailored for individuals and families alike. Imagine having easy access to your funds whenever you need them our online and mobile banking services make it simple. You can check balances, transfer money, and even pay bills from the comfort of your home or on-the-go. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are designed with competitive rates and flexible terms. Picture yourself driving off in your dream car without breaking the bank. Additionally, if homeownership is on your mind, explore our mortgage loans and refinancing services that can put you on the path to owning your own home.

Digital & Online Banking

Key Features for Your Convenience

Our mobile application makes banking even simpler. With it, you can deposit checks using your smartphone, making it easy to handle transactions on the go. Plus, our mobile payments feature allows you to make quick purchases directly from your phone no wallet necessary! For those times when you need to send money to friends or family, our person-to-person transfers are fast and straightforward. Just a few taps on your screen and the money is sent no hassle involved. We also prioritize your security. Our electronic signature authorization feature ensures that your digital transactions are safe and protected. Plus, you can opt for e-statements, reducing paper clutter while keeping all your important financial information secure and accessible. Managing your finances should be easy and worry-free. At Desert Valleys, we're committed to providing you with user-friendly tools that fit seamlessly into your lifestyle. Join us today and take advantage of these innovative banking solutions!

Financial Strength

Commitment to Growth

With $4,453,375 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident with $696 in used auto loans and $43,159,570 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our $47,256, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Growing Member Trust

Total Share and Deposit Accounts: 14,506, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $477,537 further highlight our capacity to support member needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Desert Valleys is your trusted partner. Visit us at 100 E Ward Ave Ridgecrest Ca 93555 or call (760) 446-3500 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Secure Savings Options

Members' savings are secured through $6,807,804 in share certificates and $9,350,023 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $7,198,136, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation helps us navigate any economic challenges while continuing to provide you with the services you expect. Our net worth ratio of $951 demonstrates a solid capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $13,900,000 in total auto loans, which includes $4,904,261 in new vehicle loans and $13,000,186 in used vehicle loans. Our competitive rates make it easier for you to get on the road without breaking the bank.

Credit Lines and Other Options

For those looking for additional flexibility, our credit lines provide an excellent option for both personal and business needs. With total credit lines reaching $8,316,751, there's plenty of room to cover unexpected expenses or fund exciting projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options are here to simplify your journey. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,560,473, making buying or refinancing your home straightforward and accessible.

Refinancing and Eligibility

If you're considering refinancing any existing loans or checking your eligibility for our various products, we're here to help! Our knowledgeable staff can guide you through the process and find the best options tailored to your financial situation. --- We pride ourselves on being a community-focused financial institution that offers personalized solutions for all your lending needs. Feel free to reach out to us at 760-446-3500 during our operating hours from Monday to Friday 10 AM - 6 PM and Saturday from 10 AM - 2 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial aspirations!

Unsecured Credit Card Loans

Managing daily expenses is crucial for financial stability. We also offer flexible terms on unsecured credit card loans, with a total of $1,661,439 in loans helping our members navigate their finances effectively.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users navigate the often complex world of loans with ease. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that the offers presented are fair and transparent. Each listing reflects accurate information, allowing users to make informed decisions without any hidden agendas. One of the key advantages of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring that users receive trustworthy options. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means that users can expect unbiased results every time they compare loan rates. LendMesh also offers real-time rate comparisons, which are crucial for making well-informed choices. Users can access up-to-date loan rates from multiple institutions in one place, significantly simplifying the decision-making process. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this underscore LendMesh's credibility as a reliable resource for finding competitive loan rates. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

DESERT VALLEYS FEDERAL CREDIT UNION - Ridgecrest, CA