Savings Accounts

Whether you are looking for a long term investment or just putting cash away for the future, Desert Valleys offers safe and secure savings options.


$mart¢ents is an easy way to make everyday purchases part of your savings plan. Set up a $mart¢ents account and then use your card for everyday purchases such as at drug stores, the drive-thru or for an impulsive, must-have online buy. In other words, spend like you normally would. Each night, we'll round up your daily purchases to the nearest dollar amount and transfer the change from your checking account to your $mart¢ents savings account. At the end of each quarter, we will pay you a special savings rate and then transfer the balance to a loan or savings of your choice. Pair $mart¢ents with our Save to Win account and watch the savings stack up!

Save to Win

California’s 1st prize-savings program! For every $25 dollars a member puts into their account, members are entered to win quarterly prizes ranging from $50 to $5,000 dollars. At the same time you earn a 1yr CD rate with no monthly fees. Build your savings, win prizes, and do it all for FREE! More details on the program can be found at

Regular Share Saving

With a minimum deposit of just $5.00 you can become a member of the credit union. These funds may be used as overdraft protection for your share draft/checking account.

Certificate of Deposits

Long term investment ranging from 6 months to 3 years offering a higher interest-yield. Interest can be direct deposited into your savings account each month.

Super Saver and Money Market Account

Offering higher interest rates without tying up your money for a set term, while allowing you the option to make up to 3 withdrawals monthly.

Youth Savings

Helps youth of all ages get on the path to a financially smart future.

Individual Retirement Account

IRA accounts help our members invest for their retirement in a certificate of deposit or our IRA savings accounts. We can also help you transfer your funds from a participating retirement plan (401k or pension) to the credit union.

Sub-share Savings

You can have as many separate saving accounts as you need, all under one account number

52 Week Savings Challenge

This annual program challenges you to make a deposit in the amount of the corresponding week number for 52 weeks. On week 1 you deposit $1, on week 10 you deposit $10, on week 30, you deposit $30, and so on for 52 consecutive weeks. By the end of the program, you will save $1,378 and earn a special annual dividend rate. Enrollment Forms can be found here.

All savings accounts are federally insured by the National Credit Union Share Insurance Fund to at least 250,000 and backed by the full faith and credit of the United States Government.

NCUA Insurance

Click here for our current savings and certificate rates.