Credit union · NCUA insured
Desert Valleys Federal Credit Union Savings Rates
Top CarrotDesert Valleys Federal Credit Union’s best savings rate is 1.75% APY on $10,000, with its Super Saver Money Market. Rates checked October 16, 2026.
How Desert Valleys Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bakersfield, CA, where Desert Valleys Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Desert Valleys Federal Credit Union
1.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $175
Super Saver
Top rate
Edwards Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $350
2nd-highest rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
Desert Valleys Federal Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Desert Valleys Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Saver
1.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 0.00% | — |
| $2,500 – $50,000 | 1.75% | $175 |
| $50,000 and up | 2.25% | — |
$martcents Savings
2.00%APY
Daily debit card purchases are rounded up to the nearest dollar and change is transferred from checking to the $martcents savings account. At the end of each quarter, special rate is paid and balance is transferred to a loan or savings of choice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 2.00% | — |
Sources (2)
All captured Oct 6, 2026
Super Saver Money Market
1.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.75% | $175 |
Sources (1)
- desertvalleys.org · captured Oct 6, 2026
Primary Share
0.10%APY
Minimum deposit of $5.00 required to become a member of the credit union. Funds may be used as overdraft protection for share draft/checking accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
U-Name-It Savings
0.10%APY
Sub-share savings account allowing members to maintain multiple separate savings accounts under one account number.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Desert Kids Savings
1.00%APY
Youth savings account for youth of all ages.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Oct 6, 2026
Individual Retirement Account
1.00%APY
Available as Traditional IRA Share and Roth IRA Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA Share and Roth IRA Share.Any balance | 1.00% | $100 | Applies to Traditional IRA Share and Roth IRA Share. |
Sources (3)
All captured Oct 6, 2026
Who can join Desert Valleys Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.