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Say hello to cash back.

Explore a rewards program with perks like an annual cashback bonus.

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Today's rates

Savings Certificates as high as¹
New auto loans as low as²
Used auto loans as low as²
Mortgage loans as low as³
HELOCs as low as⁴
For the first 12 months
HELOCs as low as⁴
after the first 12 months
See all rates

You're in good company

Desert Financial consistently ranks high for member satisfaction and service in leading local and national publications.
Forbes Best-in-State Credit Unions
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Three ASU x Desert Financial debit card designs are displayed from left to right: a gold sparkly card featuring Sparky the Sun Devil in the middle, a brushed maroon card with the ASU pitchfork at the center, and a black background with sparks and the ASU pitchfork beside the letters ASU, offering diverse and vibrant options for Sun Devil pride.

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!

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.

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.
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Improving your financial well-being
Take advantage of our free educational workshops and financial wellness content.

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Desert Financial's San Tan Village branch features a modern and welcoming design, with sleek architecture, and large windows.

Locations, locations, locations

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

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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.


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


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. 


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.

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