Better banking. Better living.

Truly free checking is just the start.

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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.

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Your money, your way

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Free Checking¹
Yep, it’s really free! No minimum balance. No monthly service fees. No hassles. Just better banking.
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Better rates + lower fees
Keep more for your fun-money fund with competitive credit union rates and lower fees.
48 branches in Arizona
Whether you’re a social butterfly or you just want the option to come in, we’re here to help.
Fast + easy digital banking
Places to go and people to see? Never miss a beat with Online Banking and a top-rated mobile app.
Rewards program
The more you do with us, the more perks you get, like an annual cashback bonus and rate discounts!²
Home with a heart
First-Time Homebuyer Program
You could skip your down payment³ and focus on your new place – with walls you can finally paint!

See what members think

"I am always impressed with your customer service whenever I reach out. The member bonus at the end of the year is amazing! Also, I love seeing all you do for the community on your social media sites!"

-Kelly F.

"Awesome team, so easy to use online and so many cool things about membership versus a stodgy bank!"

-Dana R.

Show your style with every purchase

Not only is Free Checking truly free, but you can choose the debit card design that suits you – from desert landscapes to the Arizona Cardinals!

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.  

Become a member

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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Federally Insured by NCUA | Equal Housing Opportunity LogoEqual Housing Opportunity


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.


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.


Must be a qualified first-time homebuyer to be eligible. Property must be located in Arizona. Restrictions and further qualifications apply. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.