Savings certificate


Curious how you can enjoy earnings on as little as $1,000? Want the freedom to choose from a range of investment terms? Looking to leverage your relationship with Desert Financial for a premium rate?

A Desert Financial Savings Certificate lets you decide how much and how long you want to invest, beginning at just $1,000 for a short six-month term. To continue building your savings, simply take no action at certificate maturity, and it will renew automatically for the same term at our current rate.

Key Features

  • No monthly or annual service fees
  • $1,000 minimum deposit
  • Competitive fixed rate* as high as 1.31% APY
  • Terms available from six months to five years
  • Free Online Banking, eStatements and Phone Banking

APY = Annual Percentage Yield Dividends reported annually via 1099-INT. Consult your tax adviser regarding your individual tax situation. *Dividend penalties apply for early withdrawal. Rates are based on the date/time that funds are received and processed.

For additional information regarding fees, please refer to the Fee Schedule.