Business Details
Your Arizona Credit Union for Savings, Loans & Financial Wellness
At Desert Financial, our passion lies in creating exceptional financial experiences that improve well-being. As a not-for-profit credit union, we prioritize giving back to our members, community, and team. We believe in sharing success through competitive savings rates, low-cost loans, and free financial education resources. Our commitment to community investment has resulted in over $5.2 million in local contributions and $377,500 in scholarships for 644 students in 2024. With nearly 50 branches across Arizona and access to 30,000+ surcharge-free ATMs, we provide convenient banking solutions tailored to member needs. Our award-winning mobile app empowers users with 24/7 control over their finances, including balance checks, mobile deposits, and spending tracking.Recognized as Arizona's #1 credit union by Forbes and a top innovator through our partnership with ASU, we combine industry expertise with personalized service. Our team's deep understanding of local financial landscapes ensures members receive solutions that align with their unique goals. By operating transparently and ethically, we've built lasting trust with 72,000+ app users who value our member-first approach. Our decades of experience in financial services position us to deliver reliable, forward-thinking banking solutions that truly make a difference.
Services
Savings Accounts
Auto Loans
Mortgage Loans
HELOCs
Financial Education
Mobile Banking
ATM Network
Scholarships
Highlights and features
- Awarded $377,500 in scholarships impacting 644 students in 2024
- Ranked #1 credit union in Arizona by Forbes for member satisfaction
- Provide free financial education workshops and wellness resources
- Offer a top-rated mobile banking app with 24/7 access
- Invest $5.2 million annually in local community development
What people say
Top-rated mobile app
Excellent customer service
Generous scholarships
Community-focused approach
Competitive rates
Services
Savings Certificates
Our high-yield savings certificates offer fixed rates up to 4.00% APY with terms tailored to your financial goals. Dividends compound monthly, maximizing growth potential while maintaining security. Early withdrawal penalties apply to protect your investment growth.
Auto Loans
Competitive APRs starting at 6.34% for new and used vehicle purchases. Loan terms and rates depend on credit history, with special discounts available for qualified borrowers. Flexible repayment options ensure affordability.
Mortgage Loans
Fixed-rate mortgages starting at 5.510% APR for homebuyers. We offer conventional and specialized loan programs with personalized guidance through the entire homebuying process. Competitive terms for qualified applicants.
HELOCs
Flexible credit lines starting at 6.49% APR for 12 months, converting to 7.75% thereafter. Minimum $10,000 loan amount with 80% LTV maximum. Annual fee waived for Rewards+ members.
Financial Education
Free educational resources covering budgeting, debt management, and financial planning. Our workshops and digital content empower members to make informed financial decisions at every life stage.
Questions
What financial services does Desert Financial offer?
We provide savings accounts, auto loans, mortgages, HELOCs, financial education resources, and mobile banking solutions tailored to Arizona residents.
How does Desert Financial support local communities?
We invest over $5.2 million annually in community development and awarded $377,500 in scholarships to Arizona students in 2024 alone.
What current loan rates are available?
Auto loans start at 6.34% APR, mortgages at 5.510% APR, and HELOCs at 6.49% APR for the first 12 months.
How can I access banking services?
Visit one of our 50 Arizona branches, use our top-rated mobile app, or access 30,000+ surcharge-free ATMs nationwide.
What makes Desert Financial different from banks?
As a not-for-profit credit union, we reinvest earnings to benefit members through better rates and community programs rather than shareholder profits.
