Convenience, kindness & more!

FREE CHECKING1

No Monthly Fees | No Minimum Balance | No Hassles

And Bug

A BETTER WAY

Why choose between technology and community when you can have both?

Convenience icon

CONVENIENT
TECHNOLOGY

Open an account online in less than five minutes

AND apply for a loan online

AND use online banking

AND deposit checks remotely

AND use tap-to-pay technology with a contactless card

AND bank on the go with our mobile app

AND use HomeScout to find a new home!

And Bug
Heart icon

KINDNESS
& COMMUNITY

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

Ann Moore

A better way to manage your money

The convenience you need, the kindness you want.

Desert Financial has all the convenient technology that banks offer, including online banking, a top-rated mobile app, contactless cards and more. Plus, we believe in sharing success with our community and our members – so you’ll get more and give more back just by banking with us!

START BANKING A BETTER WAY

FREE CHECKING & SOMETHING FOR EVERYONE

A better way to get what you care about.

Ruby's headshot

Meet Ruby

Career:

Web developer for a tech startup

What She Wants in a Credit Union:

  • Modern Technology to Keep Her Connected 24/7
  • Excellent Online Banking
  • A Top-Rated App
  • Mobile Check Deposit
Zack's headshot

Meet Zach

Career:

Volunteers for an Arizona-based nonprofit

What He Wants in a Credit Union:

  • Gives Back to the Community
  • Takes Care of Its Members
  • Puts People Above Profits
  • Spreads Kindness Across Arizona

HOW DO I START?


1

CHOOSE
DESERT FINANCIAL

2

GET
FREE CHECKING1

3

START BANKING
A BETTER WAY

OPEN AN ACCOUNT

1Primary 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.

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.

Account Opening Criteria: Primary account holder must be 18 years or older and meet Desert Financial’s membership eligibility and credit qualification requirements, including opening a Membership Savings account with a minimum balance of $25. Checking account 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.

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.