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Loan rates you can count on

Get local service and great rates for auto and home loans, HELOCs and more.

Today’s featured loan rates

New auto loans as low as¹
Used auto loans as low as¹
Mortgage loans as low as²
HELOCs as low as³
For the first 12 months
HELOCs as low as³
after the first 12 months
See all rates

Local loans, big benefits

Great loan rates
As a credit union, we’re proud to offer you competitive rates and flexible loan terms.
Local service
Loan decisions are made locally, which means fast, attentive service for you!
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Apply in Minutes
Short on time? Apply for your loan online, where and when you want.
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Hit the open road

Buy your new or used vehicle with confidence or put cash back in your pocket with an Auto Three-Fi™.

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Utilize your home’s equity

Renovate your home, cover unexpected expenses and more with a home equity line of credit (HELOC).

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Make yourself at home

Whether you’re a first-time or experienced homebuyer or you want to refinance your home loan, we’re here to help.

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Be ready for what life brings

Fund your goals and unexpected expenses with a personal line of credit or signature loan.

What borrowers are saying

"I've been with Desert Financial for almost 50 years now and they've seen me through many phases of my life. It has been a pleasure to do business with them."
Diane K

FAQs: Borrowing with Desert Financial

What is the minimum loan amount I can apply for?

The minimum application amount for consumer loans is $1,000 and home equity loans is $10,000. Mortgage loans have different minimum amounts, depending on the product selected.

What can I use my home equity line of credit for?

It may be used when and where you want. For instance, you could renovate your home or yard, cover unexpected expenses or simply make purchases at your discretion.

What is auto pay?

Auto pay is an optional, automatic loan payment withdrawn from your Desert Financial checking account on the same day each month.

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Annual Percentage Rate (APR) shown effective {current-date} and is subject to change without notice. Actual rate and APR dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.


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. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, BK#0949053, a subsidiary of Desert Financial Credit Union.


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. Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures 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 November 3, 2022, that index was 7.00%; resulting APR with a 0.875% margin is 7.875%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less loan-to-value. 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.

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