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Save more, worry less

Start on the path to reaching your financial goals with a savings account. 

Open an account now

Savings for life’s plans and surprises, too

Membership Savings
Perfect for general savings. Required to become a member.¹
Open my account now
Health Savings Account
Save for health-related expenses and earn dividends, too.
Contact us to open
Money Market Account
Earn higher dividends while still having access to your money.²
Open my account now
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Additional Savings
Another account besides Membership Savings to deposit your savings in.
Contact us to open
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Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

Which savings account is right for you?

 Membership SavingsAdditional SavingsMoney Market AccountHealth Savings Account
Intended for

General savings. Required to become a member.

An additional account to store your savings.

Earning higher dividends with flexible access to funds.

Savings account for health-related expenses.

Today's rate³

{rate-token-1}% APY

{rate-token-2}% APY

APY as high as {rate-token-3}%

{rate-token-4}% APY

Minimum daily balance requirement⁴





Service fee



$15 monthly low-balance fee; waived with $2,000 minimum daily balance


Want to see all our current rates? Check out our rates page.

See all rates

Membership Savings

When you join Desert Financial, your membership begins with a Membership Savings Account. Your $25 opening deposit is your “share” of our member-owned credit union.

  • Rate: {rate-token-1}% APY
  • Dividends paid monthly 
  • Unlimited ATM transactions
  • Unlimited at-the-counter transactions


Health Savings Account

If you have a high-deductible health plan, a Desert Financial Health Savings Account (HSA) can make you feel more secure about your ability to pay for our-of-pocket health care expenses.

  • Rate: {rate-token-4}% APY
  • Dividends paid monthly on full balance
  • No minimum balance
  • No monthly service fee
  • Unused money rolls to future years
  • Convenient HSA Visa® debit card


Money Market Account

With higher dividend rates than a traditional savings account, our Money Market Account can help you reach your financial goals faster.

  • Rates as high as {rate-token-3}% APY
  • Unlimited at-the-counter transactions
  • Funds available anytime
  • Check-writing capabilities
  • ATM access with a Money Market Visa® debit card


Additional Savings

If you need more accounts to deposit your savings in, your additional savings account is here any time you need it. 

  • Rate: {rate-token-2}% APY
  • Dividends paid monthly on your full balance
  • No minimum balance
  • No monthly service fees

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Primary account holder must meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking is free; however, fees for overdraft or additional services may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.


Primary account holder must meet Desert Financial’s membership eligibility and credit qualification requirements. Must maintain a minimum daily balance of $2,000 to earn dividends and to avoid paying a Monthly Low Balance Fee; see Fee Schedule. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.


Annual Percentage Yield (APY) rates are accurate as of {current-date}. Rates subject to change without notice and may change after the account is opened. Fees could reduce the earnings on the account. Visit our rates page for additional information and details.


Applicable minimum daily balance required to obtain the stated Annual Percentage Yield (APY).

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Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.