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Savings tailored to you

Whatever you’re saving for, we have options designed to meet your needs.

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Today’s featured rates

6-Month Savings Certificate¹
5.00
%APY
Jumbo Certificate One Year¹
5.00
%APY
College Savings Certificate One Year²
graduation cap
5.00
%APY
See all rates

Diverse options to help you save more

Save
Start on the path to reaching your financial goals with a savings account.
Learn more about savings
Grow
Grow your savings over time with a fixed rate with one of our certificates.
Learn about certificates
Plan
Get flexibility and security while also planning for your future with our IRA solutions.
See retirement solutions

Save

 
Membership Savings
Additional Savings
Money Market Account
Health Savings Account
Intended for

General savings. Required to become a member.

Another account besides Membership Savings to store your savings.

Earning higher dividends while still having access to your funds.

Health-related expenses.

Minimum balance required

$25

None

$2,000

None

Grow

 
Savings Certificate
Jumbo Certificate
College Savings Certificate
Intended for

The credit union equivalent of a bank’s certificate of deposit (CD).

The same as a savings certificate, but for a larger amount of money.

Funding education advancement.

Minimum deposit

$1,000

$100,000

$1,000

Terms

6 months to 5 years

6 months to 5 years

1 year

Plan

 
Traditional & Roth IRA savings account
IRA Savings Certificate
Intended for

Saving for retirement by growing your money with tax advantages.³

Getting a fixed rate of return on your retirement funds.

Minimum balance requirement

None

$1,000

Available terms

Not applicable

6 months to 5 years

What you can do with these accounts

Earn dividends
Maximize your money with competitive rates.
Have flexibility
Withdraw money as you need it with savings accounts.
Get a guaranteed rate
Lock in your secure rate with savings certificates. 
Gain peace of mind
Plan for your future with retirement accounts.
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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.

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Savings accounts for every goal

In addition to Membership Savings (required to become a member), you can earn higher dividends on Money Market Accounts, save for medical expenses with a Health Savings Account and more.

Two excited ladies on the Desert Financial website learning how to grow their savings.

Grow your money

Earn a fixed interest rate on a range of terms with our savings, jumbo and college certificates, with no monthly or annual service fees.

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Plan for your future

Take control of your retirement earnings with Traditional or Roth Individual Retirement Account (IRA) savings accounts and IRA Certificates.

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1

Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rates and APYs are fixed for the term of the certificate and are determined by the length of the term. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

2

Annual Percentage Yield (APY) is accurate as of {current-date}. Interest rate and APY is fixed for the term of the certificate. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties may apply. Fees could reduce the earnings on the account. For complete account terms and conditions, refer to our Statements of Terms, Conditions and Disclosures.

3

Desert Financial and its affiliates do not provide tax, legal, or accounting advice. You should consult your personal tax, legal, and accounting advisors for advice related to your specific tax situation.

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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.