Locations, locations, locations
Enjoy the convenience of nearly 50 branches statewide and more than 30,000+ surcharge-free ATMs in the Co-op network.
Get that winning feeling
There’s no feeling like winning at your finances. Join over 450,000 Arizonans who choose Desert Financial to help them get there.
Your money, your way
Free Checking¹
Yep, it’s really free! No minimum balance. No monthly service fees. No hassles. Just better banking.
Learn more Better rates + lower fees
Keep more for your fun-money fund with competitive credit union rates and lower fees.
Learn more Fast + easy digital banking
Places to go and people to see? Never miss a beat with Online Banking and a top-rated mobile app.
Learn more Rewards program
The more you do with us, the more perks you get, like an annual cashback bonus and rate discounts!²
Learn more First-Time Homebuyer Program
You could skip your down payment³ and focus on your new place – with walls you can finally paint!
Learn more Dependability
Joining a credit union that’s been around for 85 years means you get the security and stability.
Learn more 
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.
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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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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Disclosures
1
Checking is free; however, fees for overdraft or additional services may apply. See Fee Schedule. Membership eligibility required. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.
2
For further information regarding the Relationship Rewards program and eligibility of the Member Giveback Bonus, please see the Relationship Rewards Disclosure – Supplement to the Statements of Terms, Conditions and Disclosures.
3
Must be a first-time homebuyer (not having owned a primary residence in the last three years) with a minimum credit score of 680 to be eligible. Property must be located in Arizona. Jumbo loans and loans with non-occupant co-borrowers are ineligible. Additional restrictions and eligibility requirements apply.