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

Introduction

Welcome to Desert Valleys Credit Union, your trusted partner in financial well-being since 1946. Located at 100 E Ward Ave, Ridgecrest, CA 93555, we proudly serve over 5,300 members in our community. Our commitment to providing exceptional service and tailored financial solutions sets us apart as a reliable choice for personal and business banking needs. At Desert Valleys, we understand that each member's journey is unique. With total assets amounting to an impressive $71,683,409 and total deposits of $10,172,081, we strive to ensure your money is secure while also helping it grow. Whether you're looking to finance a new vehicle with our competitive auto loans or need assistance with personal loans and credit cards, our team is here to guide you every step of the way. We take pride in our dedicated leadership under CEO Eric Bruen and Board President Marshall Holloway. Together, they foster an environment focused on community impact and member satisfaction. Our staff of 18 employees is always ready to assist you with friendly service and expert advice. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 367, Ridgecrest, CA 93556. Explore all the services we offer at www.desertvalleys.org or call us at 760-446-3500 for any inquiries. Join us today and experience the Desert Valleys difference where your financial success is our top priority!

Branch History & Mission

At Desert Valleys, we take pride in our rich history and unwavering commitment to our community in Ridgecrest, CA. Established in 1946, our branch has been a cornerstone of financial support for over seven decades, helping thousands of members achieve their financial goals. With a total membership of 5,308 individuals, we have grown alongside our community, adapting to the changing needs while maintaining our core mission of service and support. Located at 100 E Ward Ave, Ridgecrest, CA 93555, our branch is easy to find and accessible to all. We invite you to visit us during our operating hours: Monday through Friday from 10 AM to 6 PM and Saturday from 10 AM to 2 PM. For those who prefer convenience, we also offer ATM services and a drive-thru for quick transactions. Our mission is simple yet powerful: to provide exceptional financial services while fostering community well-being. We believe that by empowering our members with the right tools and resources whether it's personal banking solutions like checking and savings accounts or more specialized services like auto loans and mortgages we can help them thrive. Our commitment extends beyond banking; we actively participate in community outreach initiatives that aim to uplift and support 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. This ensures that every interaction with us is smooth and efficient. As we embrace modern advancements, Desert Valleys remains dedicated to being ADA compliant and customer-centric. Our online banking options, mobile app features, and electronic signatures make managing finances easier than ever. We strive to meet the diverse needs of our members with digital tools that enhance convenience without sacrificing personal service. In addition to our financial offerings, we value partnerships that strengthen our community ties. Whether it's supporting local events or collaborating with other organizations, we are committed to making a meaningful impact in Ridgecrest. Join us at Desert Valleys Credit Union! Experience firsthand the benefits of being part of a member-focused institution where your financial success is our priority. Together, let's build a brighter future for you and your family! For more information, feel free to call us at 760-446-3500 or visit our website at desertvalleys.org.

Branch Location & Accessibility

Convenient Access

Whether you're stopping by for personal banking or need assistance with loans, our friendly staff is here to help. Parking is readily available right outside our doors, ensuring that you can pop in without any hassle. We also have ADA-compliant features, including ramps, so everyone can enjoy easy access to our services.

Get in Touch

Have questions? Don't hesitate to reach out! You can contact us at 760-446-3500 for any inquiries or assistance. While members can visit us at 100 E Ward Ave, official correspondence should be sent to PO Box 367, Ridgecrest, CA 93556. We invite you to come visit us at Desert Valleys your financial partner in Ridgecrest. Let us help you achieve your financial goals today!

Operating Hours

We know that life gets busy! That's why we're open Monday through Friday from 10 AM to 6 PM and on Saturday from 10 AM to 2 PM. Whether you need to make a quick deposit or discuss a loan option, we're here when you need us.

Services Offered

At Desert Valleys, we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. If you're on the go, take advantage of our ATM services available right at our branch. Plus, enjoy the ease of drive-thru banking for quick deposits or withdrawals without leaving your car.

Member Eligibility

At Desert Valleys, we believe that everyone deserves a chance to be part of a friendly and supportive financial community. Joining us is simple! If you live, work, or worship in Kern County, you're already eligible to become a member. We welcome individuals from various backgrounds, making it easy for you to access our wide range of services designed with your needs in mind. By becoming a member at Desert Valleys, you'll enjoy personalized banking solutions, competitive loan rates, and the kind of customer service that feels like family. To start your membership journey, simply visit us at 100 E Ward Ave, Ridgecrest, CA 93555. If you'd like more information about our eligibility criteria or the account opening process, feel free to call us at 760-446-3500 or check out our detailed guidelines online at Desert Valleys Eligibility. We're excited to have you join our community!

Business Banking & Commercial Services

Financing Solutions Tailored for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $5,022,803, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services make it easy for you to accept payments and manage transactions efficiently. Imagine a busy Saturday at your shop: customers are lined up, and with our quick payment solutions, you can process transactions smoothly, keeping your customers happy and your sales flowing. Located at 100 E Ward Ave Ridgecrest Ca 93555 in Ridgecrest, CA, we invite you to explore how our business banking services can help elevate your enterprise. For more information or to discuss your needs, call us at (760) 446-3500.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream vehicle. With competitive rates and flexible terms, we can help turn your automotive aspirations into reality.

Business Banking

For our entrepreneur members, we offer business banking solutions including merchant services and business loans. We're committed to helping local businesses thrive by providing the financial tools necessary for success.

Convenient Access

At Desert Valleys, we prioritize convenience for our members. With basic drive-thru banking services available for deposits and withdrawals, as well as ATM access for quick transactions like balance checks, managing your finances has never been easier. Our digital banking features ensure that whether it's day or night, you have access to the services you need at your fingertips. From mobile payments to person-to-person transfers, we make banking simple and efficient. We invite you to visit us at 100 E Ward Ave Ridgecrest Ca 93555 or give us a call at (760) 446-3500 to learn more about how we can serve you better. Experience the difference with Desert Valleys where member satisfaction is our top priority!

Credit Cards with Rewards

Looking for a credit card that rewards your spending? Our credit cards come with attractive rewards programs that give back on every purchase you make perfect for those who want to earn while they spend.

Mortgage Loans & Refinancing

Homeownership is a big step, and we're here to guide you through it. We offer mortgage loans that fit your budget and lifestyle, along with refinancing options if you're looking to lower your monthly payments or tap into your home's equity.

Personal Banking

We understand that personal banking needs can vary greatly from one individual to another. That's why at Desert Valleys, we offer checking and savings accounts designed for everyday use. Imagine easily managing your finances with online and mobile banking options that let you check balances, transfer funds, and pay bills from anywhere. Additionally, our ATMs provide easy access to cash whenever you need it.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether you need funds for home repairs, medical bills, or debt consolidation, our personal loans provide the financial support you need without added stress.

Digital & Online Banking

Key Services

Our online banking platform lets you take control of your finances with ease. Enjoy the convenience of e-statements, which allow you to view and manage your financial documents without the clutter of paper. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. For those on the go, our mobile application offers all the features you need right in your pocket. You can make mobile payments effortlessly, ensuring you're always ready for any purchase. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that quickly and securely.

Security and Accessibility

We prioritize your security while providing user-friendly tools. Our online banking services are designed to keep your information safe so you can bank with confidence. Whether you're using a computer or mobile device, accessing your account is straightforward and secure. With these digital banking options at Desert Valleys, managing your money is not only accessible but also efficient. No matter where life takes you, stay connected to your finances and enjoy peace of mind knowing that we've got you covered with modern banking solutions tailored for today's member needs.

Financial Strength

Commitment to Growth

Our net shares (funds available for lending and investments) stand at $445,009, while the total number of share accounts shows a robust community trust at 13,500. This indicates a strong and growing member base that believes in what we stand for. In conclusion, 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.

Operational Efficiency

Our $572,433 reflects our operational efficiency, 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, committed team.

Reinvesting in Our Members

With $3,682,611 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $592 in used auto loans and $37,851,163 in total loans and leases.

Secure Savings Options

Members' savings are secured through $5,674,051 in share certificates and $7,510,469 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 Net Worth

With a net worth of $6,057,066, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $845 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,671,709 in used vehicle loans and $4,657,645 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable pre-owned vehicle, we have options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $5,022,803 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to providing tailored financing solutions.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,697,783 in loans helping members manage their finances effectively. Our credit cards come with various benefits and rewards to suit your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,409,981, make buying or refinancing simple. We work closely with our members to ensure they understand their options and feel confident in their choices.

Refinancing Options

If you're considering refinancing any of your current loans or want to explore eligibility options for our various products, we're here to help guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or to discuss your loan options further, feel free to reach out to us at 760-446-3500 or visit us at our branch located at 100 E Ward Ave Ridgecrest Ca 93555. We're here to assist you every step of the way!

Loan Aggregator

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Desert Valleys

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Get in Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing Solutions Tailored for Growth

Practical Merchant Services

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Services

Security and Accessibility

Financial Strength

Commitment to Growth

Operational Efficiency

Reinvesting in Our Members

Secure Savings Options

Strong Net Worth

Loan Offering

Auto Loans

Business Loans

Credit Card Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

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