Desert Valleys Federal Credit Union received its Charter # 5366 on July 11, 1946. The Credit Union was originally established in the Searles Valley to provide the plant workers of American Potash Chemical Company a place to cash their payroll checks.
In May of 1999 the Desert Valleys Federal Credit Union expanded its’ field of membership to include neighboring communities. In August of 1999 we opened a branch in the community of Ridgecrest allowing us to service many of our current members and open our doors to many new members. After eight years on Balsam street, the credit union moved into its new corporate offices in the Ridgecrest Business Park in 2007.
The Credit Union’s focus has always been its members. We strive to keep a home town feel about us and service to our members is our number one objective. It is this one-on-one service that has made us stand apart from other financial service organizations in the area. In keeping with that goal here is a link to our page of local businesses you may want to visit.
In 2012, the credit union opened the Community Resource Center to provide meeting and conference opportunities to non-profit groups in an effort to enhance business development in Ridgecrest. Some of our current partners include the China Lake Alliance, Ridgecrest Chamber of Commerce, Ridgecrest Entrepreneurs Club, Rotary Club of China Lake, and Cerro Coso Community College.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154