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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238


Arizona’s most trusted credit union for over 80 years

Our story began in 1939, when 15 teachers founded our credit union in Phoenix, Arizona. Our growth transformed us into a statewide financial and community partner with a passion to help and give back. As a member, you can expect better banking experiences, financial solutions that make lives better and Random Acts of Kindness across Arizona. We invite the Flagstaff community to be a part of our mission of sharing success!


Look for our first Flagstaff branch coming in 2022. But why wait?

Beat the crowd and get started with better banking today. You’ll be able to manage your accounts online 24/7: Transfer funds, deposit checks remotely and more! Just fill out the fields below and click the button to start opening your new account.1

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Open an account online

AND apply for a loan online

AND use online banking

AND deposit checks remotely

AND bank on-the-go with our mobile app

AND do voice banking with Alexa and Google Assistant

AND use HomeScout to find a new home!

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Join the #KindnessRevolution

AND help share success

AND give back to your community

AND celebrate local teachers

AND earn an annual cash bonus2

AND get $100 for referring a friend3

AND have the chance to win a sweepstakes

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Easy-to-use Online Banking

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4.8-star-rated Mobile App

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CO-OP Network of Nearly 30,000 ATMs



Our Free Checking4 is really, actually, honestly free! No monthly fees. No minimum balance. No hassles.

Sign Up Now


As part of our free rewards program, members who do more, get more! Earn points and level up to get the best benefits.

How it Works


Members who have the strongest relationship with us are rewarded with an annual cashback bonus.2 We gave back $25 million in just three years!

Get the Details

Giving Back

Be part of something bigger — a movement of spreading kindness and sharing success in the community. Your membership enables us to give even more!

Learn More

What Desert Financial Offers

We have the same great products that the Big Banks have, plus friendly service, member perks & MORE!

Become a Member

News & Knowledge Center

Boost your financial know-how with articles, infographics and videos to help you manage your money and reach your goals.

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1Credit Union eligibility requires members to live, work, attend school, volunteer, or worship in Arizona (except Apache, Graham, Greenlee and Santa Cruz counties), be an immediate relation of an existing Desert Financial member, or be an employee of Desert Financial. Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

2Must be a 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.

3Refer-a-Friend cash bonus offer valid for a limited time only. New member ("Friend") must present completed Referral Form at time of account opening and establish a Membership Savings and Checking account. New members cannot have any existing accounts (primary or joint owner) within the last 12 months. Referrer and Friend cannot begin credit union membership on the same business day. Cash Bonus Criteria: To receive the cash bonus, the new member’s checking account must meet the following criteria within the first 90 days: 1. Minimum of 30 posted transactions and 2. Establish direct deposit. 3. Must be open and cannot be delinquent (more than 30 days) at time of bonus payment. Referring member must meet the following criteria to receive the cash bonus: 1. Must be at least 18 years of age at time of referral. 2. Must be the primary owner of an open and active share account, opened prior to the account opening date of the new member account, and open at the time of bonus payment. Bonus will be deposited into the new member’s checking and referring member’s account within 10 business days in the month following the end of the first 90-day period if qualifications are met. Employees of Desert Financial Credit Union, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amounts are subject to all applicable taxes and the responsibility of the member. Bonus cannot be combined with any other account opening offer. Referrals limited to five per member. Terms and conditions subject to change without notice.

4Primary 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 incurred – such as a stop payment or NSF fee – may apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.

5Mortgage loans are offered by Define Mortgage Solutions, LLC NMLS ID #1761612, a subsidiary or Desert Financial Credit Union. BK#0949053.

6Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC. Securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Desert Financial Credit Union, Desert Financial Wills and Trusts, Desert Financial Insurance and Desert Financial Wealth Management is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc.