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The official retail banking partner of ASU
We’re proudly the official retail banking partner of Arizona State University®! Show your Sun Devil® spirit with an ASU debit card!
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No hidden fees! Our Free Checking account is really, actually, honestly free!
Learn moreToday's rates
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Savings Certificates as high as¹
3.50
%APY
New auto loans as low as²
5.84
%APR
Used auto loans as low as²
5.84
%APR
Mortgage loans as low as³
6.127
%APR
HELOCs as low as⁴
5.99
%APR
For the first 12 months
For the first 12 months
HELOCs as low as⁴
7.25
%APR
after the first 12 months
after the first 12 months
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.
Locations, locations, locations
Enjoy the convenience of nearly 50 branches statewide and more than 30,000+ surcharge-free ATMs in the Co-op network.
The Desert Financial difference
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 $4.7 million to our community in 2025.
Relationship Rewards
Make the most of this free program that gives you benefits for growing your relationship with us.
Improving your financial well-being
Take advantage of our free educational workshops and financial wellness content.
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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
You're in good company
Desert Financial consistently ranks high for member satisfaction and service in leading local and national publications.
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. “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
Property must be located in Arizona. 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.
4
Rates valid on {current-date}. APR = Annual Percentage Rate. Promotional APR applies only to new Home Equity Lines of Credit (HELOC) with a minimum loan amount of $10,000, and a maximum loan-to-value (LTV) of 80%. Members who have closed an existing Desert Financial HELOC in the last 12 months are not eligible to receive the promotional APR on a new HELOC on that same property. $50 annual fee applies; waived for Rewards+ members. Visit DesertFinancial.com/Terms 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 January 1st, 2026, that index was 6.75%; resulting APR with a 0.50% margin is 7.25%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history and a loan amount of $75,000 or more. 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. For current rates visit DesertFinancial.com/Rates.
7.25