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!
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.
Better rates + lower fees
Keep more for your fun-money fund with competitive credit union rates and lower fees.
Over 50 locations 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
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.
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.
Disclosures
Equal Housing Opportunity1
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.