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Not just banking. Living.

Join today and start enjoying the benefits of membership. 

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Why choose us?

For Arizonans, by Arizonans
Since 1939, our membership has grown to more than 440,000 with service statewide.
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Switching is a snap! Just follow a few steps to become a member.
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Free Checking¹
No monthly fees, no minimum balance and no hassles.
Member Giveback Bonus²
Our members have been awarded $90 million over the past 7 years.
Digital banking
Access your accounts 24/7 on the fly on the mobile app and online.
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Community impact
Our members help us continue to serve our community and the world around us.

Four ways to become a member

Live, work, attend school, volunteer or worship in our membership service area in Arizona.³
Be an immediate family member of a current Desert Financial member.
Be an employee of Desert Financial. 
Own a business in Arizona. 
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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.

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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What members are saying

"Awesome team! So easy to use online banking and so many cool things about membership versus a stodgy bank!"
Dana R.

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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.


Rewards Member or Rewards+ Member for a minimum of six months per calendar year to be eligible for annual cash bonus (“Member Giveback Bonus”). Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.


The field of membership of this credit union is limited to (i) those persons who live, work (or regularly conduct business in), worship, volunteer, or attend school in Maricopa County, Pima County, Pinal County, Yavapai County, Mohave County, Yuma County, Coconino County, Cochise County, Navajo County, Gila County, La Paz County, and such other counties in the State of Arizona as approved by the Superintendent, (ii) those persons who are in the immediate family or household of a member, (iii) spouses or parties to a civil union of persons within the field of membership of this credit union, (iv) those organizations, businesses, groups, and/or legal entities located in the State of Arizona, (v) associations, organizations of individuals, partnerships, limited liability companies, corporations, and such entities which are headquartered or have offices in the State of Arizona, and (vi) employees of Desert Financial.

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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.