Arizona’s Best Local Credit Union (2024)

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Get Free Checking with no minimum balance, no monthly fees and no hassles.

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How can we help?

I want to...

Become a member
Buy a car
Invest for my future
Start saving money
Purchase my dream home
Grow my business

Today's rates

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Savings Certificates as high as¹

5.00

%APY

New auto loans as low as²

Arizona’s Best Local Credit Union (6)

7.34

%APR

Used auto loans as low as²

7.34

%APR

HELOCs as low as⁴

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5.99

%APR

For the first 12 months

For the first 12 months

HELOCs as low as⁴

Arizona’s Best Local Credit Union (9)

9.00

%APR

after the first 12 months

after the first 12 months

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You're in good company

Desert Financial consistently ranks high for member satisfaction and service in leading local and national publications.

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See why

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The official retail banking partner of ASU

Desert Financial, named the No. 1 credit union in Arizona by Forbes, and ASU®, ranked No. 1 “Most Innovative School” in the nation by U.S. News & World Report, have joined together in a partnership that looks out for another No. 1: You! Show your Sun Devil® spirit with an ASU debit card!

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Why we exist

Our passion is creating exceptional experiences through financial solutions that improve financial well-being. We believe in sharing success, and as a not-for-profit credit union, we can give more back to our members, community and team.

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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.

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Investing in where you live

Thanks to our members, we were able to give back over $4 million to our community in 2022.

Arizona’s Best Local Credit Union (18)

Supporting higher education

We awarded $253,250 in scholarships in 2022, impacting 685 students.

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Improving your financial well-being

Take advantage of our free educational workshops and financial wellness content.

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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.

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72K

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Locations, locations, locations

Enjoy the convenience of nearly 50 branches statewide and more than 30,000 surcharge-free ATMs nationwide.

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Disclosures

1

Annual Percentage Yield (APY) is accurate as of {current-date}. 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 {current-date} and is subject to change without notice. Actual rate and APR 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 {current-date} and is subject to change without notice. Visit our rates page for additional rate information and details. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.

4

Annual Percentage Rate (APR) shown effective {current-date} 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.

9.00

Arizona’s Best Local Credit Union (2024)
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