Contact
Locations
Rates
From renting to owning: Wendy and Angel’s journey
Hear how this couple became first-time homeowners with help from our Community Heroes First-Time Homebuyer program.
Today's rates
See all rates
Savings Certificates as high as¹
4.00
%APY
New auto loans as low as²
6.34
%APR
Used auto loans as low as²
6.34
%APR
Mortgage loans as low as³
5.908
%APR
HELOCs as low as⁴
6.49
%APR
For the first 12 months
For the first 12 months
HELOCs as low as⁴
8.00
%APR
after the first 12 months
after the first 12 months
You're in good company
Desert Financial consistently ranks high for member satisfaction and service in leading local and
national publications.
The Desert Financial difference
Partner with a credit union that cares about the community! We believe in contributing to the community
and our members, whereas banks are more concerned with making their shareholders happy.
Investing in where you live
Thanks to our members, we were able to give back over $4.5 million to our community in 2023.
Supporting higher education
We awarded $320,750 in scholarships in 2023, impacting 261 students.
Improving your financial well-being
Take advantage of our free educational workshops and financial wellness content.
Download the App
Get our top-rated mobile app
Your money, your way. See your balances, deposit checks, set up alerts, track your spending and saving, transfer funds and more.
72K
Locations, locations, locations
Enjoy the convenience of nearly 50 branches statewide and more than 30,000+ surcharge-free ATMs in the Co-op network.
Related content
BLOG
Desert Financial Foundation Awards $198k in Scholarships to Arizona Students
BLOG
Travel smart: 5 debit card travel tips
BLOG
Desert Financial Credit Union Announces Collaboration With Personal Finance Expert Nicole Lapin
Disclosures
1
Annual Percentage Yield (APY) is accurate as of June 23, 2025. Rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures. Visit our rates page for additional rate information and details.
2
Annual Percentage Rate (APR) shown effective June 23, 2025, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.
3
Annual Percentage Rate (APR) shown effective June 23, 2025 and is subject to change without notice. Visit our rates page for additional rate information and details.
4
Annual Percentage Rate (APR) shown effective June 23, 2025 and is subject to change without notice. Visit our rates page for additional rate information and details. Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On November 3, 2022, that index was 7.00%; resulting APR with a 0.875% margin is 7.875%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less loan-to-value. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 30-year repayment term. NMLS ID#509455.
8.00